Fillable Company Retirement Account Master Account Application (Charles Schwab)

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Company Retirement Account Master Account Application (Charles Schwab)

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  • 14 check-boxes
  • 361 other fields

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©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
CC4085648 (0520-0X1D) APP13552-19 (05/20)
*APP13552-19=01*
www.schwab.com | 1-800-435-4000 (inside the U.S.) | +1-415-667-8400 (outside the U.S.) | 1-888-686-6916 (multilingual services)
For important disclosures about our relationship with you and the services we can provide, please visit schwab.com/transparency.
Use this form to open a brokerage account to invest the assets of your company retirement plan if your plan document allows you to conduct business
with a broker-dealer. Opening a Schwab Company Retirement Account does not establish a retirement plan for your business, but certies that you have
adopted a plan using an individually designed or prototype plan document.
Before you establish a Company Retirement Account Master account you must review the Schwab ERISA 408(b)(2) Fee Disclosure.
Employer:
• If you are changing Trustees on an existing account, please provide your Master Account Number here: _______________________________________
• Complete, sign, date, and return all forms.
Note: Margin borrowing is not available for Company Retirement Accounts.
1. Company Information As required by federal law, Schwab will use the information provided below to verify your identity.
Company Name Employer Tax ID Number or Social Security Number (if sole proprietor)
Company Structure State of Incorporation Country of Legal Establishment
Sole Proprietorship Partnership Corporation S Corporation Other (Specify.): ____________________ USA Other: ____________________
Company Street Address (no P.O. boxes) City State Zip Code
Company Mailing Address (if different from above; P.O. boxes may be used) City State Zip Code
Telephone Number
( )
2. Plan Details
Plan Name Plan Tax ID Number
Type of Plan
Prot-Sharing Money Purchase 401(k) Dened Benet 403(b) 457(b) 457(f) Individual 401(k) Non-Qualied Other (Specify.): ___________________________
Date Plan Established (required) Approximate Plan Assets Number of Participants
Does your Plan document allow covered options trading?
Yes No (If “yes,” complete the enclosed Options Application.)
Does the Plan allow participants to direct investments into their own accounts?
Yes No
Does the Plan allow for segregated accounts/FBO?
Yes No
If segregated accounts are allowed, does the Plan allow the Participant to trade directly with Schwab?
Yes No
Note: A participant application is required for each plan participant if you are establishing separate accounts.
FOR CHARLES SCHWAB USE ONLY:
Branch Ofce and DDA
Account Number Number
Page 1 of 7
Company Retirement Account
Master Account Application
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*APP13552-19=02*
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
CC4085648 (0520-0X1D) APP13552-19 (05/20)
Page 2 of 7
Trustee
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)
Home Telephone Number Business Telephone Number Cellular Telephone Number
( ) ( ) ( )
Social Security Date of Birth (mm/dd/yyyy) Mother’s Maiden Name
Identication Type (Complete only if not a U.S. citizen.) Identication Number
Passport U.S. Driver’s License U.S. Gov’t-Issued ID
Place of Issuance Expiration Date
Country(ies) of Citizenship (Must list all.) Country of Legal Residence
USA Other: _____________ Other: ____________ USA Other: ___________
Securities industry regulations require that we collect the following information:
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 Foreign Government Employee (Non-U.S.)
Executive/Senior Management Military
Medical Professional Educator
Legal Professional Clerical/Administrative Services
Accounting Professional Trade/Service (Labor/Manufacturing/Production)
Financial Services/Banking Professional Sales/Marketing
Information Technology Professional Consultant
Other Professional Other (Specify.): ___________________________
U.S. Government Employee (Federal/State/Local)
Business Street Address City State Zip Code
Business Email Address
†
(required to access the account through the web)
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 approving the establish-
ment of your account when submitting this application.)
Are you a director, 10% shareholder or policy-making ofcer of a publicly held company?
No Yes (If “yes,” enter company name _________________________________________
and trading symbol _________________.)
Marital Status Number of Dependents
Single Married Divorced Widowed
Investment Experience: Annual Income: Liquid Net Worth:
None Under $15,000 Under $25,000
Limited $15,000–$24,999 $25,000–$49,999
Good $25,000–$49,999 $50,000–$99,999
Extensive $50,000–$99,999 $100,000–$249,999
$100,000 or more $250,000 or more
Specify: ____________
Co-Trustee*
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)
Home Telephone Number Business Telephone Number Cellular Telephone Number
( ) ( ) ( )
Social Security Date of Birth (mm/dd/yyyy) Mother’s Maiden Name
Identication Type (Complete only if not a U.S. citizen.) Identication Number
Passport U.S. Driver’s License U.S. Gov’t-Issued ID
Place of Issuance Expiration Date
Country(ies) of Citizenship (Must list all.) Country of Legal Residence
USA Other: _____________ Other: ____________ USA Other: ___________
Securities industry regulations require that we collect the following information:
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 Foreign Government Employee (Non-U.S.)
Executive/Senior Management Military
Medical Professional Educator
Legal Professional Clerical/Administrative Services
Accounting Professional Trade/Service (Labor/Manufacturing/Production)
Financial Services/Banking Professional Sales/Marketing
Information Technology Professional Consultant
Other Professional Other (Specify.): ___________________________
U.S. Government Employee (Federal/State/Local)
Business Street Address City State Zip Code
Business Email Address
†
(required to access the account through the web)
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 approving the establish-
ment of your account when submitting this application.)
Are you a director, 10% shareholder or policy-making ofcer of a publicly held company?
No Yes (If “yes,” enter company name _________________________________________
and trading symbol _________________.)
Marital Status Number of Dependents
Single Married Divorced Widowed
Investment Experience: Annual Income: Liquid Net Worth:
None Under $15,000 Under $25,000
Limited $15,000–$24,999 $25,000–$49,999
Good $25,000–$49,999 $50,000–$99,999
Extensive $50,000–$99,999 $100,000–$249,999
$100,000 or more $250,000 or more
Specify: ____________
*Please photocopy the “Trustee Information” section and provide information
on each additional Trustee.
†
By providing your email address, you consent to receiving email from Schwab.
Information about opting out of certain email communications is provided at
schwab.com/privacy.
3. Trustee Information
All Trustee(s) who will be conducting business at Schwab on behalf of the Plan must complete the information requested below. For more than two
Trustees, please photocopy this “Trustee Information” section, provide information on each additional Trustee, and attach it to this form.
Complete all sections. We respect your privacy. Charles Schwab & Co., Inc. (“Schwab”) will use the information you provide to open and service your account,
communicate with you, and provide information about products and services. Read about Schwab’s privacy policy at schwab.com/privacy. As required by
federal law, Schwab will use the information provided below to verify your identity. If the Trustee is an Entity, please complete the Supplemental Trust Account
Application for Entity Trustees. Please make a copy of Section 3 and provide it to the agent of the Entity listed on the Supplemental Trust Account Application.
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©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
CC4085648 (0520-0X1D) APP13552-19 (05/20)
Page 3 of 7
4. Overall Investment Objective of Account
Capital Preservation
Income
Growth
Speculation
5. Account Features
Your Consent to Enroll in Schwab’s Cash Features Program
The Cash Features Program is a service that offers the Bank Sweep feature (named with respect to retirement plans the “Schwab Bank Sweep for Benet
Plans” feature) (a “Cash Feature”) to permit uninvested cash (the “Free Credit Balance”) in the Plan and/or Participant brokerage accounts under the Plan,
as applicable, to earn income while you and/or your Participants, as applicable, decide how those funds should be invested longer term.
You understand that the terms and conditions of the Cash Features Program and of each Cash Feature are set forth in the Cash Features Disclosure
Statement.
You instruct and direct Schwab to include the Free Credit Balance under the Plan in the Cash Features Program, as described in the Cash Features
Disclosure Statement.
The Bank Sweep feature (including the Schwab Bank Sweep for Benet Plans feature) is designated as the Cash Feature for brokerage accounts of
account holders residing in the U.S. Through the Bank Sweep feature, Schwab automatically makes deposits to and withdrawals from deposit accounts at
one or more Sweep Banks that are insured by the Federal Deposit Insurance Corporation (FDIC) up to certain prescribed FDIC limits.
You understand and agree that Schwab may (1) make changes to the terms and conditions of the Cash Features Program; (2) make changes to the terms
and conditions of any Cash Feature; (3) change, add, or discontinue any Cash Feature; (4) change the Plan’s and/or any Participant’s investment from one
Cash Feature to another if the Plan and/or any Participant, as applicable, becomes ineligible for the current Cash Feature or the current Cash Feature is
discontinued; and (5) make any other changes to the Cash Features Program or Cash Feature as allowed by law. Schwab will notify you in writing of
changes to the terms of the Cash Features, changes to the Cash Features we make available, or changes to the Cash Features Program prior to the
effective date of the proposed change.
Please note: Participants in 403(b) retirement plans will be placed in the Schwab Government Money Fund™ (SWGXX). If this is a 403(b) plan, you instruct
and direct Schwab to include this fund.
6. Paperless Document Enrollment
The Trustee will receive account statements, trade conrmations, shareholder materials, account agreements and related disclosures, and other
regulatory documents, if available in paperless form, by email. For certain documents, including account statements, the Trustee will receive an email
notication with a link to log on to our secure website to access your documents. For complete information, please see Important Information About
Your Informed Consent to Receive Paperless Documents in the Appendix to this application.
To opt for Paperless Documents, simply provide the Trustee’s email address in Section 3. The enrollment completion will depend on one of the following
scenarios.
Scenario 1:
If you are the Trustee and already have an account enrolled in Paperless Documents using the email address provided in Section 3, have logged on to
Schwab.com in the past six months, and agree to the following, your paperless enrollment will be complete once your account is opened.
• I have read and understood the Important Information About Your Informed Consent to Receive Paperless Documents in the Appendix to this applica-
tion and consent to enrolling this account in Paperless Documents.
• I understand that I will receive an email with my new account agreement and related disclosures.
Or
Scenario 2:
If you are the Trustee and do not have an existing account enrolled in Paperless Documents, are using a different email address, or have not logged on
to Schwab.com in the past six months, we will send you an email after the account is opened. To complete enrollment, you will need to click the “I
Consent” button in that email and/or follow the instructions to access schwaballiance.com. If you do not click the “I Consent” button, this account will
not be enrolled in Paperless Documents and we will send your account agreement and related disclosures, as well as future regulatory documents, by
postal mail.
If you do not want to participate in Paperless Documents, please check the box below.
No, do not enroll my account in Paperless Documents. Please send my regulatory documents via postal mail.
FOR CHARLES SCHWAB USE ONLY:
Branch Ofce and DDA
Account Number Number
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*APP13552-19=04*
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
CC4085648 (0520-0X1D) APP13552-19 (05/20)
Page 4 of 7
7. Optional Checks
If you would like to order Schwab One® checks, please check here.
Anticipated Activity
On average, how many times per month do you anticipate writing checks? (Please select only one.)
Less than 5 times per month
5 to 10 times per month
11 to 20 times per month
More than 20 times per month
8. Certification of Trust
By signing this Application, each Trustee signing below (the “Trustees”) certies that the representations and warranties in the attached Certication
of Trust are true and complete.
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*APP13552-19=05*
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
CC4085648 (0520-0X1D) APP13552-19 (05/20)
Page 5 of 7
9. Authorization to Open Account
By signing this Application, you acknowledge
that you have received and read the attached
Application Agreement, which contains a
predispute arbitration provision. You acknowl-
edge that your signature signies and consti-
tutes your agreement that this account and your
relationship with Schwab will be governed by the
Application Agreement and all incorporated
agreements and disclosures, including, but not
limited to, the Schwab One® Account Agreement
and the Charles Schwab Pricing Guide, each as
amended from time to time (the “Agreement and
Disclosures”). You understand there are fees
associated with establishing, maintaining,
engaging in transactions in, and transferring
assets out of this account.
As an authorized signer for the Plan, I acknowl-
edge, with my signature below, that I have
received a Fee Disclosure Report (explanation of
fees and services) from Charles Schwab & Co.,
Inc., or its afliates, which contains information
required by 29 C.F.R. Section 2550.408b-2(c)(1)
(the ERISA section 408(b)(2) regulation).
You also acknowledge that, while bank deposit
products available through Schwab—such as
certicates of deposit offered on Schwab CD
OneSource® and deposit products offered by
Charles Schwab Bank, SSB—are insured by the
Federal Deposit Insurance Corporation (“FDIC”)
to the maximum extent provided by law, the
securities products purchased or sold in a
transaction with Schwab (i) are not insured by
FDIC; (ii) are not deposits or other obligations of
Schwab and are not guaranteed by Schwab
Bank; and (iii) are subject to investment risks,
including possible loss of the principal invested.
For purposes of this Account Application and the
attached Application Agreement, the terms
“you,” “your,” and “Trustee” refer to each
person who signs this Account Application and
apply with respect to both a person’s individual
capacity as well as any applicable representa-
tive or duciary capacity when such a person is
acting on behalf of a legal owner of assets in
the account. When the legal owner of assets in
the account is not a natural person, the terms
“you,” “your,” and “Trustee” also refer to such
legal owner. The terms “we,” “us,” “our,” and
“Schwab” refer to Charles Schwab & Co., Inc.
Please sign, print and date in blue or black ink only. Your signature above will also serve as a signature card for your account checks if you have
marked the checkwriting feature in Section 7.
Signature(s) and Date(s) Required
X
Trustee Signature Print Name Date
X
Co-Trustee Signature Print Name Date
X
Co-Trustee Signature Print Name Date
X
Co-Trustee Signature Print Name Date
I certify, under penalty of perjury, that (1) the number shown on this Application is the correct Plan Tax Identication Number; (2) The Plan is not subject
to backup withholding due to a failure to report interest and dividend income; (3) The Plan is a U.S. person (a U.S. citizen or U.S. resident alien); and (4)
The Plan is exempt from Foreign Account Tax Compliance Act (FATCA) reporting. I understand that if I have been notied by the IRS that the Plan is
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.
The Agreement with Schwab includes a predispute arbitration clause.
You acknowledge receipt of the predispute arbitration clause contained
on page 3 of the Certication of Trust and Company Retirement Master
Account Application Agreement.
As an authorized signer for the Plan, I acknowledge, with my signature below, that I have received a Fee Disclosure Report (explanation of fees and
services) from Charles Schwab & Co., Inc., or its afliates, which contains information required by 29 C.F.R. Section 2550.408b-2(c)(1) (the ERISA
section 408(b)(2) regulation).
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*APP13552-19=06*
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
CC4085648 (0520-0X1D) APP13552-19 (05/20)
Page 6 of 7
10. Third-Party Pension Administrator (TPA) (Complete this section if you use a TPA to administer your plan.)
Organization Information
Name of Organization Organization Telephone Number Tax ID Number
( )
Organization Street Address (no P.O. boxes) Country of Legal Establishment
USA Other: ______________________________________________________________
City State Zip Code State of Incorporation
Mailing Address (if different from above; P.O. boxes may be used)
Email Address* (Required to access your account through the web.)
* By providing your email address, you consent to receiving email from Schwab. Information about opting out of certain email communications is provided
at schwab.com/privacy.
11. TPA Authority (Complete this section if you use a TPA to administer your plan.)
A. Duplicate statement and conrms. (All Trustees listed in Section 3 must initial.)
Trustee Co-Trustee Co-Trustee Co-Trustee
B. Relay trading instructions. (Your TPA Authorized Agent must also complete Section 12 and sign in Section 13. All Trustees listed in Section 3 must initial.)
Trustee Co-Trustee Co-Trustee Co-Trustee
Note: This is a Limited Power of Attorney (LPOA) authorization under the terms set forth in the Limited Power of Attorney (LPOA) for TPA Agreement.
12. TPA Authorized Agent Information (Required if Section 11B applies)
All TPAs who are to conduct business in the account must provide this information. As required by federal law, Schwab will use the information provided
below to verify your identity.
Third-Party Administrator Information
TPA Authorized Agent
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)
Home Telephone Number Business Telephone Number Cellular Telephone Number
( ) ( ) ( )
Email Address
‡
Social Security/Tax ID Number Date of Birth (mm/dd/yyyy) Mother’s Maiden Name
Identication Type Identication Number
Passport U.S. Driver’s License U.S. Gov’t-Issued ID
Place of Issuance Expiration Date
Are you known by any other name? Specify:
Country(ies) of Citizenship (Must list all.) Country of Legal Residence
USA Other: _____________ Other: ____________ USA Other: ___________
Additional TPA Authorized Agent
†
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)
Home Telephone Number Business Telephone Number Cellular Telephone Number
( ) ( ) ( )
Email Address
‡
Social Security/Tax ID Number Date of Birth (mm/dd/yyyy) Mother’s Maiden Name
Identication Type Identication Number
Passport U.S. Driver’s License U.S. Gov’t-Issued ID
Place of Issuance Expiration Date
Are you known by any other name? Specify:
Country(ies) of Citizenship (Must list all.) Country of Legal Residence
USA Other: _____________ Other: ____________ USA Other: ___________
†
Please photocopy the “TPA Authorized Agent Information” section and provide information on each additional TPA.
‡
By providing your email address, you consent to receiving email from Schwab. Information about opting out of certain email communications is
provided at schwab.com/privacy.
ST
*APP13552-19=07*
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
CC4085648 (0520-0X1D) APP13552-19 (05/20)
Page 7 of 7
13. Limited Power of Attorney (LPOA) for TPA Agreement (Required if Section 11B applies)
By signing this application, you acknowledge that you have received and read the attached Limited Power of Attorney (LPOA) for TPA Agreement, which
includes a predispute arbitration clause. You acknowledge receipt of the predispute arbitration clause contained on pages 1 and 2 of the Limited Power of
Attorney (LPOA) for TPA Agreement.
Third-Party Pension Administrator Authorized Agent’s Signature
X
Authorized Agent Signature Print Name Date
X
Additional Authorized Agent Signature Print Name Date
12. TPA Authorized Agent Information (Continued)
TPA Authorized Agent
(Continued)
Securities industry regulations require that we collect the following information:
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 Foreign Government Employee (Non-U.S.)
Executive/Senior Management Military
Medical Professional Educator
Legal Professional Clerical/Administrative Services
Accounting Professional Trade/Service (Labor/Manufacturing/Production)
Financial Services/Banking Professional Sales/Marketing
Information Technology Professional Consultant
Other Professional Other (Specify.): ___________________________
U.S. Government Employee (Federal/State/Local)
Business Street Address City State Zip Code
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 approving the establish-
ment of your account when submitting this application.)
Are you a director, 10% shareholder or policy-making ofcer of a publicly held company?
No Yes (If “yes,” enter company name _________________________________________
and trading symbol _________________.)
Additional TPA Authorized Agent* (Continued)
Securities industry regulations require that we collect the following information:
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 Foreign Government Employee (Non-U.S.)
Executive/Senior Management Military
Medical Professional Educator
Legal Professional Clerical/Administrative Services
Accounting Professional Trade/Service (Labor/Manufacturing/Production)
Financial Services/Banking Professional Sales/Marketing
Information Technology Professional Consultant
Other Professional Other (Specify.): ___________________________
U.S. Government Employee (Federal/State/Local)
Business Street Address City State Zip Code
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 approving the establish-
ment of your account when submitting this application.)
Are you a director, 10% shareholder or policy-making ofcer of a publicly held company?
No Yes (If “yes,” enter company name _________________________________________
and trading symbol _________________.)
* Please photocopy the “TPA Authorized Agent Information” section and provide information on each additional TPA.
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©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC4085648 (0520-0X1D) APP13552-19 (05/20)
Certication of Trust and
Company Retirement Master
Account Application Agreement
Certification of Trust
By signing the Application, each Trustee
represents and warrants that Charles Schwab &
Co., Inc. (“Schwab”) is authorized, as a
brokerage rm, to open and maintain the Account
on behalf of the Trust identied in this Applica-
tion (the “Trust”) in accordance with the account
agreements applicable to this Account, including
without limitation the authority to accept, hold,
and deliver assets belonging to the Trust, and to
accept orders and other instructions relating to
the Trust from the Trustees. The Trustees
represent, warrant, and certify that the Trust
expressly grants them the power to buy, sell,
exchange, convert, tender, redeem, and
withdraw assets (including delivery of assets to
and from the Account and delivery of assets to a
Trustee personally) for and at the risk of the Trust.
The Trustees represent, warrant, and certify that
either (1) the Trust expressly authorizes that
each Trustee, if more than one, is authorized to
act individually, independently, and without the
consent of the other Trustees; or (2) the
Trustees have consented to each Trustee acting
individually, independently, and without the
consent of the other Trustees with respect to
the Account and that such delegation of
authority is expressly authorized by the Trust
and applicable law. The Trustees agree that any
notice sent to one Trustee will constitute notice
to all Trustees. Schwab, in its sole discretion
and for its sole protection, may require the
written consent of any or all Trustees prior to
acting upon the instructions of any Trustee.
The Trustees represent, warrant, and certify that
the Trust and any law governing the Trust
authorizes the Trustees to delegate authority to
Participants and Third-Party Pension Administra-
tors as provided in this Application or as may be
provided to Schwab in the future.
The Trustees represent, warrant, and certify that
neither they nor the Trust impose any obligation
on Schwab for determining the purpose or
propriety (i) of any instructions received from
any Trustee or Participant or (ii) of payments or
deliveries to or among Trustees.
By signing this Application, each Trustee further
warrants, represents, and certies that there
are no other currently acting Trustee(s) of the
Trust other than those signing this Application.
Should only one person execute this Application,
it is a representation that the signer is the sole
current acting Trustee. Finally, the Trustees
represent, warrant, and certify that the Trust
has not been revoked, modied or amended in
any manner which would cause the representa-
tions contained in this Certication to be
incorrect. Each Trustee agrees to notify Schwab
immediately in writing of any change that would
cause this Certication to become incorrect or
incomplete.
Each Trustee hereby, jointly and severally, in
both personal and representative capacities,
agrees to indemnify Schwab, its afliates,
ofcers, directors, employees, and agents from,
and to hold such persons harmless against, any
claims, judgments, surcharges, settlements or
other liabilities or costs of defense or settle-
ment (including investigative and attorneys’
fees) arising out of or related to any act or
omission to act by any Trustee with respect to
the Account.
Company Retirement Master Account Application Agreement
This agreement relates to your Account and is part of the Account Agreement between each Trustee and Schwab. Please read and retain for your files.
Scope of Agreement. Your agreement with
Schwab consists of the terms set forth in this
Application Agreement and the terms set forth in
the Schwab One® Account Agreement, which
incorporates the Charles Schwab Pricing Guide
and a number of other important disclosures.
The Schwab One Account Agreement is provided
with this Application or at the opening of your
Account. You agree to contact Schwab if you do
not receive the Schwab One Account Agreement.
In addition, you may in the future receive from
Schwab supplemental terms or disclosures that
pertain to certain account types, service
features and benet packages. These supple-
mental terms and disclosures, this Application
Agreement and the Schwab One Account
Agreement are collectively referred to as the
“Agreement and Disclosures.” You agree to read
the Agreement and Disclosures carefully and
retain copies for your records.
Acceptance of Agreement and Disclosures.
You agree that the Agreement and Disclosures
govern all aspects of your relationship with
Schwab, including all transactions between
Schwab and you and all products and services
now or in the future offered through Schwab.
Schwab may rely on your use of Schwab’s
products and services as evidence of your
continued acceptance of the Agreement
and Disclosures.
Your Representations and Warranties. You
represent and warrant that: (a) you are of legal
age in the state in which you live and you are
authorized to enter into this Agreement; (b) you
have supplied accurate information in your
Account Application; (c) no additional authoriza-
tions from third parties are required for you to
open the Account and effect transactions
therein; (d) except as you have otherwise
indicated on your Account Application or in
writing to us, (i) you are not an employee of or
afliated with any securities exchange or member
rm of any exchange, the Financial Industry
Regulatory Authority, Inc., or any securities rm,
bank, trust company or insurance company, and
(ii) you are not a director, 10% benecial
shareholder, policy-making ofcer or otherwise
an “afliate” (as dened in Rule 144 under the
Securities Act of 1933) of a publicly traded
company; and (e) this Application Agreement, as
amended from time to time, is a legal, valid, and
binding obligation, enforceable against you in
accordance with its terms.
Sending Duplicate Statements and Confirms to
Third-Party Pension Administrators. If you
authorize Schwab to provide a Third-Party
Pension Administrator (“TPA”) with duplicate
statements and conrmations under the
Trustees’ representations, Schwab will convey
conrmation of all activity to the TPA and provide
the TPA with paper statements, and if appli-
cable, both the statements and conrmations
may be transmitted electronically.
Relay Trading Instructions. If you have
authorized the TPA to relay trading instructions
to Schwab, you agree that Schwab, its employ-
ees, agents, and counterparties may accept and
rely on such instructions without obtaining any
approval, counter-signature or cosignature from
any Trustee. The TPA’s authority will include,
without limitation:
• the authority to give instructions for transac-
tions in securities and nancial instruments,
including the buying and selling of stocks,
bonds, debentures, notes, subscription
warrants, stock purchase warrants, options,
mutual fund shares, evidences of indebted-
ness, and any other securities, instruments or
contracts relating to securities; and
• where necessary to complete any transaction,
the authority to transfer, convert, endorse,
sell, assign, set over, and deliver any assets
held in the Account and to make, execute, and
deliver any and all written instruments of
assignment and transfer.
Role of Charles Schwab & Co., Inc. Trustees
acknowledge and agree that:
• Schwab will merely effect trades as directed
by the TPA or Participants (as applicable).
• You are responsible for determining the
nature, potential value, and suitability for the
Trust of any particular security, transaction or
investment strategy; Schwab has no responsi-
bility for any such determination unless
Schwab gives advice directly to you, the TPA or
Participant that is clearly identied as a Schwab
recommendation for Trustees, the TPA or
Participant to enter into a particular transac-
tion or to buy or sell a particular security; and
Schwab does not give legal or tax advice.
• Schwab is not acting as a duciary.
• You (and not Schwab) are responsible for
investigating and selecting any TPA.
• TPAs are not afliated with or controlled or
employed by Schwab, and Schwab has not
approved, recommended or endorsed any TPA.
• Schwab has no duty to supervise or monitor
trading by you, the TPA or a Participant in
the Account.
• Schwab has no duty to review the documents
under which the Trust or retirement plan is
maintained, to update these documents or to
request a determination letter from the
Page 1 of 3
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Page 2 of 3
Internal Revenue Service concerning retirement
plan documents.
• Schwab has no duty to determine or review
allocations of contributions among Partici-
pants, or to perform any recordkeeping
functions for the Trust or retirement plan.
• Schwab has no duty to review Trust or
retirement plan investments for compliance
with ERISA (the Employee Retirement Income
Security Act of 1974, as amended) (including
determining whether any investments
constitute prohibited transactions under
ERISA) or to determine whether Trust or
retirement plan investments will result in
exposure to the tax on unrelated business
taxable income, or to review the Trust or
retirement plan documents to determine
whether any investment instructions are in
accordance with the terms of the Trust or
retirement plan.
• Schwab has no duty to assist in complying
with any obligations that may be imposed
under ERISA, including, without limitation, the
reporting, partici pant disclosure or bonding
requirements of ERISA.
• Schwab has no duty to determine the
valuation of any assets in the Account that are
not traded on a recognized exchange.
• Schwab has no duty to assist in complying
with any legal obligations that may apply to
distributions from the Trust or retirement plan,
to determine whether any distributions are
required under the required minimum
distribution rules of the Internal Revenue
Code, to determine whether any distributions
that Schwab may be instructed to make are
properly authorized under the terms of the
retirement plan, or to review any beneciary
designations that may be made by Participants.
• Schwab has no duty for the preparation,
distribution and/or ling of any federal tax
forms, reports, or tax withholding elections
related to any payments from your retirement
plan, including but not limited to IRS Form
1099-R. Schwab is not responsible for the
remittance of any taxes related to withholding
on distributions from your retirement plan.
Responsibility for Investment Decisions. You
agree that you and any agent under a power of
attorney or Investment Advisor (if you have one)
are solely responsible for investment decisions
in your Account, including whether to buy or sell
a particular security. Unless required by law, or
unless Schwab provides advice to you that is
clearly identied as an individualized recommen-
dation for you, you understand that Schwab has
no obligation to determine whether a particular
transaction, strategy or purchase or sale of a
security is in your best interest. Your obligation
includes an afrmative duty to monitor and stay
informed about your Account and your invest-
ments and respond to changes as you deem
appropriate.
Unless we otherwise agree with you in writing,
Schwab does not monitor your account(s) or
investments and has no obligation to update an
investment recommendation, nancial advice, or
nancial plan we may give you. Such recommen-
dation, nancial advice, or nancial plan only
applies at the point in time we provide it to you.
You acknowledge that Schwab does not provide
tax or legal advice.
Limited Power of Attorney for Participant
Directed Accounts. If you have authorized
Participants to direct investments for their
accounts, you hereby request that Schwab open
brokerage accounts on behalf of the Trust with
respect to all Participants who return an
Application to Schwab in the form attached
hereto, and you hereby grant to each such
Participant limited power of attorney with
respect to such account. The authority
conferred on each Participant by this authoriza-
tion to the Participant will be exercised in
accordance with the terms and conditions set
forth in the Participant’s Application.
You are responsible as the named duciary of
the Plan(s) for reviewing and approving the
terms of this Agreement and all documents
pertaining to the Schwab Company Retirement
Account, including the terms and conditions of
the Schwab One® Account Agreement associ-
ated with each Participant brokerage account.
Unless you (or other authorized Plan duciary)
otherwise direct Schwab in writing, you hereby
direct Schwab to make available to Participants
and their accounts the ability to enter into
certain transactions, including (i) the purchase,
holding and sale of all securities generally
available or permissible by Schwab to such
account types; (ii) the receipt of communica-
tions and information about, and enrollment in,
Investment Advisory Products (referred to as
Schwab “offerings” in the Schwab One Account
Agreement) offered by Schwab and its afliates,
including the Schwab Managed Portfolios™,
Windhaven® Strategies, and any future products
(collectively, the “Investment Advisory Prod-
ucts”); (iii) hiring of investment managers; and
(iv) payment of Investment Advisory Products
fees using Participant or Plan assets as
applicable. You understand and have given
consideration to the IRS non-discrimination
rules under Section 401(a)(4) of the Internal
Revenue Code (“Code”) regarding the offer of
benets, rights or features under a qualied
plan and agree that you are solely responsible
for monitoring and maintaining compliance with
Section 401(a)(4) of the Code.
You hereby provide your authority for the
foregoing direction. In the future, Schwab may
modify its offering to include additional
Investment Advisory Products, in which case
Schwab will provide notice and the opportunity to
decline offering Investment Advisory Products.
Further, you may decline to offer Investment
Advisory Products at any time and agree to
notify Schwab in writing to withdraw your
approval of any of the specied transactions
mentioned herein.
Account Handling. Schwab will automatically
hold all of your securities purchased, sales
proceeds, dividends, and interest. Schwab will
also release your name, address, and securities
positions to companies in which we hold
securities for your Account upon request, unless
you notify us otherwise in writing.
Payment of Indebtedness. You agree to make
payment of any indebtedness related to your
Account, including, but not limited to, any such
indebtedness that results from instructions
provided to Schwab by you, your agent or any
attorney-in-fact under a power of attorney or
Investment Advisor authorized to make
transactions in your Account. We may elect
anytime, with or without notice, to make any
debit balance or other obligation related to your
Account immediately due and payable. We may
report any past-due account to a consumer and/
or securities credit reporting agency. We may
also refer your Account to a collection agency.
Liquidations. Whenever it is necessary for our
protection or to satisfy a debit or other
obligation owed us, we may (but are not required
to) sell, assign, and deliver all or any part of the
property securing your obligations, or close any
or all transactions in your Account or restrict
activity in your Account. We may choose which
property to buy or sell, which transactions to
close and the sequence and timing of liquida-
tion. We may take such actions on whatever
exchange or market and in whatever manner
(including public auction or private sale) that we
choose in the exercise of our business
judgment. You agree not to hold us liable for the
choice of which property to buy or sell or of
which transactions to close or for timing or
manner of liquidation or any tax consequences
from such actions.
All of the above may be done without demand or
notice of purchase, sale, transfer or cancellation
to you. No demand or notice shall impose on
Schwab any obligation to make such demand or
provide such notice to you in the future. Any
such notice or demand is hereby expressly
waived, and no specic demand or notice shall
invalidate this waiver.
Using the Check Feature. If you have requested
the check feature through your Account, you
authorize checks to be issued as indicated in
your Account Application. You agree that each
Trustee is authorized to write checks.
Verification. You authorize Schwab to inquire
from any source, including a consumer
reporting agency, as to the identity (as required
by law), creditworthiness and ongoing eligibility
for the Account of the Participants, any other
person referred to on this Application, or any
person whom Schwab is later notied is
associated with or has an interest in the
Account (as well as such persons’ spouses if
they live in a community-property jurisdiction) at
account opening, at any time throughout the life
of the Account, and thereafter for debt
collection or investigative purposes.
Required Arbitration Disclosures. Regulatory
authorities require that any brokerage agree-
ment containing a predispute arbitration
agreement must disclose that this agreement
contains a predispute arbitration clause. This
Agreement contains a predispute arbitration
clause. By signing an arbitration agreement, the
parties agree as follows:
• All parties to this Agreement are giving up the
right to sue each other in court, including the
right to a trial by jury, except as provided by the
rules of the arbitration forum in which a claim
is led.
• Arbitration awards are generally nal and
binding; a party’s ability to have a court reverse
or modify an arbitration award is very limited.
• The ability of the parties to obtain documents,
witness statements and other discovery is
generally more limited in arbitration than in
court proceedings.
• The arbitrators do not have to explain the
reason(s) for their award unless, in an eligible
case, a joint request for an explained decision
has been submitted by all parties to the panel
at least 20 days prior to the rst scheduled
hearing date.
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Page 3 of 3
• The panel of arbitrators will typically include
a minority of arbitrators who were or are
afliated with the securities industry.
• The rules of some arbitration forums may
impose time limits for bringing a claim in
arbitration. In some cases, a claim that is
ineligible for arbitration may be brought
in court.
• The rules of the arbitration forum in which the
claim is led, and any amendments thereto,
shall be incorporated into this Agreement.
No person shall bring a putative or certied
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:
1. the class certication is denied;
2. the class is decertied; or
3. the customer is excluded from the class
by the court.
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.
Arbitration Agreement. Any controversy or claim
arising out of or relating to (i) this Agreement,
any other agreement with Schwab, an instruction
or authorization provided to Schwab or the
breach of any such agreements, instructions, or
authorizations; (ii) the Account, any other
Schwab account or Services; (iii) transactions in
the Account or any other Schwab account; (iv) or
in any way arising from the relationship with
Schwab, its parent, subsidiaries, afliates,
ofcers, directors, employees, agents or service
providers (“Related Third Parties”), including any
controversy over the arbitrability of a dispute, will
be settled by arbitration.
This arbitration agreement will be binding upon
and inure to the benet of the parties hereto
and their respective representatives, attorneys-
in-fact, heirs, successors, assigns and any other
persons having or claiming to have a legal or
benecial interest in the Account, including
court-appointed trustees and receivers. This
arbitration agreement will also inure to the
benet of third-party service providers that
assist Schwab in providing Services (“Third-Party
Service Providers”) and such Third-Party Service
Providers are deemed to be third-party
beneciaries of this arbitration agreement.
The parties agree that this arbitration agreement
will apply even if the application to open the
Account is denied and will survive the closure of
your Account and/or the termination of services
rendered under this Agreement.
Such arbitration will be conducted by, and
according to the securities arbitration rules
and regulations then in effect of, the Financial
Industry Regulatory Authority (FINRA) or any
national securities exchange that provides a
forum for the arbitration of disputes, provided
that Schwab is a member of such national
securities exchange at the time the arbitration
is initiated. Any party may initiate arbitration by
ling a written claim with FINRA or such eligible
national securities exchange. If arbitration before
FINRA or an eligible national securities exchange
is unavailable or impossible for any reason,
then such arbitration will be conducted by, and
according to the rules and regulations then in
effect of, the American Arbitration Association
(AAA). If arbitration before the AAA is unavail-
able or impossible for any reason, the parties
agree to have a court of competent jurisdiction
appoint three (3) arbitrators to resolve any and
all disputes or controversies between or among
the parties. Each party shall bear its own initial
arbitration costs, which are determined by the
rules and regulations of the arbitration forum.
In the event of nancial hardship, the arbitration
forum may waive certain costs in accordance
with such rules. At the conclusion of the hearing,
the arbitrators will decide how to assess the
costs of the arbitration among the parties.
Any award the arbitrator makes shall be nal
and binding, and judgment on it may be entered
in any court having jurisdiction. This arbitration
agreement shall be enforced and interpreted
exclusively in accordance with applicable federal
laws of the United States, including the Federal
Arbitration Act. Any costs, fees or taxes involved
in enforcing the award shall be fully assessed
against and paid by the party resisting enforce-
ment of said award.
For FINRA arbitrations, FINRA will appoint a
single public arbitrator in customer cases
decided by one arbitrator. In customer cases
decided by three arbitrators, investors have the
option of choosing an arbitration panel with two
public arbitrators and one non-public arbitrator
(Majority-Public Panel Rule) or a panel of all
public arbitrators (Optional All-Public Panel Rule).
If the customer declines to elect a panel
selection method in writing by the applicable
deadline, the Majority-Public Panel Rule for
selecting arbitrators will apply.
All notices from one party to the other involving
arbitration shall be considered to have been
fully given when so served, mailed by rst-class,
certied or registered mail, or otherwise given
by other commercially accepted medium of
written notication.
In addition to the above provisions, if a party
to this Agreement is or becomes a non-U.S.
resident at the time of any controversy subject
to this arbitration agreement, such party
acknowledges and agrees to the following
additional provisions:
(1) The rules of the organization administering
the arbitration specically provide for the
formal designation of the place at which the
arbitration is to be held.
(2) Entering into this Agreement constitutes
consent to submit to the personal jurisdiction
of the courts of the state of California, U.S.A.,
to interpret or enforce any or all of these
arbitration provisions. Judgment on any
arbitration award may be entered in any
court having jurisdiction, or application may
be made to such court for judicial acceptance
of the award and an order of enforcement,
as the case may be.
(3) The exclusive language to be used by the
parties and the arbitrators in the arbitration
proceedings shall be English. Any party
wishing an interpreter shall make all
arrangements directly with the interpreter
and shall assume all costs of the service.
(4) If a party is a foreign government or state,
state-owned or state-operated enterprise or
other instrumentality of a foreign government
or state, such party waives all rights of
sovereign immunity and neither the Federal
Act of State doctrine nor the doctrine of
sovereign immunity shall apply insofar as any
enforcement in courts located in the U.S.A.
is concerned.
Impartial Lottery for Securities Subject to
Partial Call or Partial Redemption. If Schwab
holds securities for you in street name, in
Schwab’s name, or in bearer form that are
subject to partial call or partial redemption, then
in the case of a partial call or partial redemption
Schwab will use an impartial lottery system to
select the securities to be called or redeemed
from among accounts holding those securities.
For a description of Schwab’s lottery system,
please visit schwab.com/PartialCalls. If you
would like a printed description of Schwab’s
lottery system mailed to you, please contact a
Schwab representative at 1-800-435-4000.
ST
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC4085648 (0520-0X1D) APP13552-19 (05/20)
Charles Schwab & Co., Inc. Third-Party
Pension Administrator Agreement. Third-Party
Pension Administrator (“TPA”) and Schwab
agree that the authority conferred on TPA by
the LPOA Authorization on this form shall be
exercised in accordance with the following
terms and conditions.
Authorization to Trade for Brokerage Account.
TPA may place trading orders for brokerage
account pursuant to the LPOA. The Trustees
may revoke the LPOA at any time by giving
written notice to Schwab. TPA agrees not to take
any actions that exceed its authority under the
LPOA or any other agreement between TPA and
the Trustees or Plan Sponsor.
Schwab’s Role. TPA acknowledges that TPA is
responsible for determining the nature, potential
value, and suitability for the Trust of any
particular security, transaction or investment
strategy; that Schwab has no responsibility for
any such determination unless a Schwab
Investment Consultant gives advice directly to
Trustee, TPA or Participant that is clearly
identied as a Schwab recommendation for
Trustee, TPA or Participant to enter into a
particular transaction or to buy or sell a
particular security; and that Schwab does not
give legal or tax advice.
Compliance with Applicable Law. TPA will
comply with all applicable state and federal
securities laws.
Compliance with FINRA Rules of Conduct.
TPA represents and warrants that, unless TPA
has given Schwab written notice to the contrary,
TPA is not “associated” with a member of the
Financial Industry Regulatory Authority, Inc.
(FINRA) within the meaning of Rule 3050 of
FINRA’s Conduct Rules. TPA agrees to give
prompt written notice if TPA later becomes
so associated.
Information. TPA will provide promptly any
information reasonably requested by Schwab
concerning the management of the brokerage
account or compliance with this Agreement. If
questions arise concerning compliance with any
law, TPA will take any action believed by Schwab
to be necessary and proper to ensure compli-
ance with applicable law. This provision shall not
be read to imply that Schwab has any duty to
supervise or monitor TPA’s management of the
brokerage account or compliance with appli-
cable laws.
Indemnification. TPA will indemnify and hold
harmless Schwab, its afliates and their
directors, ofcers, and employees from and
against all claims, actions, costs, and liabilities,
including attorneys’ fees, arising out of or
relating to:
• any breach by TPA of any provision of this
Agreement;
• the performance or nonperformance of TPA’s
services; and
• any dispute between TPA and the Trustees,
the Plan Sponsor or the Participant.
Trade Confirmations and Account Statements.
Unless the Trustees direct otherwise, Schwab
will send trade conrmations and account
statements to the Trustees and, if requested,
to the TPA.
TPA’s Relationship to Schwab. TPA will not
represent to the Trustees that Schwab and TPA
are afliated or have any relationship except as
described in this Agreement, that Schwab
endorses or recommends TPA, that Schwab
provides investment advice, that Schwab
participates in or reviews TPA’s trading
decisions or that Schwab manages, supervises
or monitors trading in the Plan’s account.
Entire Agreement. This Agreement contains all
of the agreements, representations and
understandings made between TPA and Schwab.
All modications and amendments hereto must
be signed by both parties.
Assignment. Schwab may assign its rights and
obligations under this Agreement to any
subsidiary, afliate or successor by merger or
consolidation without notice to TPA, or to any
other entity after 30 days’ written notice to TPA.
TPA may not assign this Agreement without
Schwab’s prior written consent. This Agreement
is binding upon and will inure to the benet of
the parties’ successors and assigns.
Waivers. The failure of either party at any time
to require performance by the other party of any
provision of this Agreement will not affect in any
way the right to require such performance at any
time thereafter. The waiver by either party of a
breach of any provisions hereof will not be taken
or held to be a waiver of the provision itself.
Applicable Law. The laws of the state of
California, as applied to agreements signed and
performed in California, shall apply and bind the
parties in any and all questions arising under
this Agreement, including questions of validity,
interpretation, and performance.
Telephone Monitoring. Schwab may record
telephone calls to monitor the quality of service
provided and to verify securities transaction
information.
Sale of Control or Restricted Securities. Before
instructing Schwab to sell securities that are:
• “restricted securities” or securities of an
issuer of which TPA, the Trustee(s) or Plan
Sponsor is an “afliate” (as those terms are
dened in Rule 144 under the Securities Act of
1933); or
• securities that are being sold in reliance on
Rule 145(d) under such Act,
TPA agrees to tell Schwab the status of such
securities and promptly furnish whatever
information and documents (including opinions
of legal counsel, if requested) that Schwab may
request in connection with Schwab’s regulatory
duties. TPA agrees not to tender any such
securities as collateral for an obligation the
Trustees owe Schwab, unless TPA rst obtains
Schwab’s written consent.
Required Arbitration Disclosures. Regulatory
authorities require that any brokerage agree-
ment containing a predispute arbitration
agreement must disclose that this agreement
contains a predispute arbitration clause. This
Agreement contains a predispute arbitration
clause. By signing an arbitration agreement, the
parties agree as follows:
• All parties to this Agreement are giving up the
right to sue each other in court, including the
right to a trial by jury, except as provided by the
rules of the arbitration forum in which a claim
is led.
• Arbitration awards are generally nal and
binding; a party’s ability to have a court reverse
or modify an arbitration award is very limited.
• The ability of the parties to obtain documents,
witness statements and other discovery is
generally more limited in arbitration than in
court proceedings.
• The arbitrators do not have to explain the
reason(s) for their award unless, in an eligible
case, a joint request for an explained decision
has been submitted by all parties to the panel
at least 20 days prior to the rst scheduled
hearing date.
• The panel of arbitrators will typically include
a minority of arbitrators who were or are
afliated with the securities industry.
• The rules of some arbitration forums may
impose time limits for bringing a claim in
arbitration. In some cases, a claim that is
ineligible for arbitration may be brought
in court.
• The rules of the arbitration forum in which the
claim is led, and any amendments thereto,
shall be incorporated into this Agreement.
No person shall bring a putative or certied
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:
1. the class certication is denied;
2. the class is decertied; or
3. the customer is excluded from the class
by the court.
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.
Arbitration Agreement. Any controversy or claim
arising out of or relating to (i) this Agreement,
any other agreement with Schwab, an instruction
or authorization provided to Schwab or the
breach of any such agreements, instructions, or
authorizations; (ii) the Account, any other
Schwab account or Services; (iii) transactions in
the Account or any other Schwab account; (iv) or
in any way arising from the relationship with
Schwab, its parent, subsidiaries, afliates,
ofcers, directors, employees, agents or service
providers (“Related Third Parties”), including any
controversy over the arbitrability of a dispute, will
be settled by arbitration.
Limited Power of Attorney (LPOA)
for TPA Agreement Page 1 of 2
Please retain for your les.
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©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC4085648 (0520-0X1D) APP13552-19 (05/20)
Page 2 of 2
This arbitration agreement will be binding upon
and inure to the benet of the parties hereto
and their respective representatives, attorneys-
in-fact, heirs, successors, assigns and any other
persons having or claiming to have a legal or
benecial interest in the Account, including
court-appointed trustees and receivers. This
arbitration agreement will also inure to the
benet of third-party service providers that
assist Schwab in providing Services (“Third-Party
Service Providers”) and such Third-Party Service
Providers are deemed to be third-party
beneciaries of this arbitration agreement.
The parties agree that this arbitration agreement
will apply even if the application to open the
Account is denied and will survive the closure of
your Account and/or the termination of services
rendered under this Agreement.
Such arbitration will be conducted by, and
according to the securities arbitration rules
and regulations then in effect of, the Financial
Industry Regulatory Authority (FINRA) or any
national securities exchange that provides a
forum for the arbitration of disputes, provided
that Schwab is a member of such national
securities exchange at the time the arbitration
is initiated. Any party may initiate arbitration by
ling a written claim with FINRA or such eligible
national securities exchange. If arbitration before
FINRA or an eligible national securities exchange
is unavailable or impossible for any reason,
then such arbitration will be conducted by, and
according to the rules and regulations then in
effect of, the American Arbitration Association
(AAA). If arbitration before the AAA is unavail-
able or impossible for any reason, the parties
agree to have a court of competent jurisdiction
appoint three (3) arbitrators to resolve any and
all disputes or controversies between or among
the parties. Each party shall bear its own initial
arbitration costs, which are determined by the
rules and regulations of the arbitration forum.
In the event of nancial hardship, the arbitration
forum may waive certain costs in accordance
with such rules. At the conclusion of the hearing,
the arbitrators will decide how to assess the
costs of the arbitration among the parties.
Any award the arbitrator makes shall be nal
and binding, and judgment on it may be entered
in any court having jurisdiction. This arbitration
agreement shall be enforced and interpreted
exclusively in accordance with applicable federal
laws of the United States, including the Federal
Arbitration Act. Any costs, fees or taxes involved
in enforcing the award shall be fully assessed
against and paid by the party resisting enforce-
ment of said award.
For FINRA arbitrations, FINRA will appoint a
single public arbitrator in customer cases
decided by one arbitrator. In customer cases
decided by three arbitrators, investors have the
option of choosing an arbitration panel with two
public arbitrators and one non-public arbitrator
(Majority-Public Panel Rule) or a panel of all
public arbitrators (Optional All-Public Panel Rule).
If the customer declines to elect a panel
selection method in writing by the applicable
deadline, the Majority-Public Panel Rule for
selecting arbitrators will apply.
All notices from one party to the other involving
arbitration shall be considered to have been
fully given when so served, mailed by rst-class,
certied or registered mail, or otherwise given
by other commercially accepted medium of
written notication.
In addition to the above provisions, if a party
to this Agreement is or becomes a non-U.S.
resident at the time of any controversy subject
to this arbitration agreement, such party
acknowledges and agrees to the following
additional provisions:
(1) The rules of the organization administering
the arbitration specically provide for the
formal designation of the place at which the
arbitration is to be held.
(2) Entering into this Agreement constitutes
consent to submit to the personal jurisdiction
of the courts of the state of California, U.S.A.,
to interpret or enforce any or all of these
arbitration provisions. Judgment on any
arbitration award may be entered in any
court having jurisdiction, or application may
be made to such court for judicial acceptance
of the award and an order of enforcement,
as the case may be.
(3) The exclusive language to be used by the
parties and the arbitrators in the arbitration
proceedings shall be English. Any party
wishing an interpreter shall make all
arrangements directly with the interpreter
and shall assume all costs of the service.
(4) If a party is a foreign government or state,
state-owned or state-operated enterprise or
other instrumentality of a foreign government
or state, such party waives all rights of
sovereign immunity and neither the Federal
Act of State doctrine nor the doctrine of
sovereign immunity shall apply insofar as any
enforcement in courts located in the U.S.A.
is concerned.
Impartial Lottery for Securities Subject to
Partial Call or Partial Redemption. If Schwab
holds securities for you in street name, in
Schwab’s name, or in bearer form that are
subject to partial call or partial redemption, then
in the case of a partial call or partial redemption
Schwab will use an impartial lottery system to
select the securities to be called or redeemed
from among accounts holding those securities.
For a description of Schwab’s lottery system,
please visit schwab.com/PartialCalls. If you
would like a printed description of Schwab’s
lottery system mailed to you, please contact a
Schwab representative at 1-800-435-4000.
Notice to Canadian Residents. Schwab is not
registered as a broker-dealer in Canada; we are
relying upon an exemption from the broker-dealer
registration requirement to act as a broker-dealer.
Therefore, Schwab and its agents are not subject
to the full regulatory requirements otherwise appli-
cable under Canadian securities legislation.
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©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3971500 (0118-7F68) REG91285-03 (03/20)
The automatic investment of your free credit balance, including the frequency and the amount of each sweep,
is governed by the terms and conditions set forth in the Cash Features Disclosure Statement and in the Account
Agreement applicable to your account. The material in this document is intended for informational purposes only.
If there is any confl ict between the descriptions in this document and the terms of the Cash Features Disclosure
Statement, the Cash Features Disclosure Statement will control.
How the Cash
Features Program
Works
Schwab’s Cash Features Program is the service (described in the Cash Features Disclosure
Statement) that we provide to automatically invest, or “sweep,” the free credit balance in your
account into a liquid investment to earn interest. The program permits you to earn income
while you decide how those funds should be invested longer term.
Available Cash
Feature
The available cash features currently consist of:
• The free credit balance in your eligible account (the “Schwab One
®
Interest feature”), on
which Schwab pays interest;
• Interest-bearing deposit accounts at one or more of our affi liated banks (the “Bank Sweep
feature” for most accounts and the “Bank Sweep for Benefi t Plans feature” for retirement
plan accounts); and
• For some accounts, one or more affi liated money market mutual funds (the “Money Fund
Sweep feature”).
Eligibility Eligibility for each cash feature is based on the registered ownership and the type of account.
Not all account registrations and account types will be eligible for all cash features. Some
account registrations and account types will be eligible for only one cash feature. Please see
your Account Application and the Cash Features Disclosure Statement for more complete
eligibility details.
Duty to Monitor
Eligibility for Cash
Features
It is your responsibility to monitor your eligibility for the cash features and determine the best
cash feature available to you. Schwab is not responsible for contacting you if you are, or later
become, eligible for other higher-yielding cash features.
Interest Rates and
Yields
The interest rates and yields for the different cash features vary over time. There is no
guarantee that the interest rate and yield on any particular cash feature will be or will remain
higher than the interest rate and yield on any other cash features over any period. Current
interest rates and yields can be obtained by contacting your independent investment advisor
or your Financial Consultant, or by calling us at 1-800-435-4000. If you already have an
account, you can visit our website at www.schwab.com/sweep. If your account is an Advisor
Services account, please contact your advisor, visit www.schwab.com/SA_sweep, or call
Schwab Alliance at 1-800-515-2157.
• The interest rate on the Schwab One Interest feature is set by Schwab. We have the option
to pay as low a rate as possible consistent with our views of competitive necessities. With
certain exceptions, the rate will be tiered based upon the overall free credit balance within
your account.
• The interest rate on the Bank Sweep feature is set by our affi liated bank(s), which also
has the option to pay as low a rate as possible consistent with their views of competitive
necessities. Retirement accounts will be paid a reasonable rate consistent with applicable
legal and regulatory requirements. With certain exceptions, the rate will be tiered based upon
your account type and the combined amount of your account’s Bank Sweep deposits at our
affi liated bank(s).
Brokerage Products: Not FDIC-Insured • No Bank Guarantee • May Lose Value
Cash Features Program
General Terms and Conditions
Page 1 of 2
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©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3971500 (0118-7F68) REG91285-03 (03/20)
Cash Features Program General Terms and Conditions | Page 2 of 2
Interest Rates and
Yields
(Continued)
• The interest rate on the Bank Sweep for Benefi t Plans feature is set by our affi liated bank(s),
which intend to pay interest consistent with reasonable rate provisions of applicable legal
and regulatory requirements. This can be lower than some competitors’ rates. Interest rates
do not vary by tiers and do not vary based on your cash balances.
• Money market mutual funds offered through the Money Fund Sweep feature seek to achieve
the highest yield (less fees and expenses) consistent with prudence and their investment
objectives.
Cash features are not intended to be long-term investments, and yields on any of our cash
features can be lower than those of similar investments or deposit accounts offered outside
the Cash Features Program. If you desire to maintain cash balances for other than a short-term
period and/or are seeking the highest yields currently available in the market, please contact
your Schwab representative or visit www.schwab.com/cash for investment options that may
be available outside of the Cash Features Program to help maximize your return potential
consistent with your investment objectives and risk tolerance. If your account is an Advisor
Services account, please contact your advisor, visit www.schwab.com/SA_cash, or call
Schwab Alliance at 1-800-515-2157.
Benefi ts to Schwab We charge fees and receive certain benefi ts under the different cash features. We share a
portion of these fees and benefi ts with our investment professionals. Because of these fees
and benefi ts, we have a fi nancial incentive to select the particular cash features included in the
Cash Features Program.
Differing Risks and
Account Protection
The different cash features are subject to different risks and account protection:
• The Schwab One
®
Interest feature is not subject to market risk and value loss but is subject
to the risk of Schwab’s failure. In the unlikely event that Schwab fails, cash is eligible for
SIPC coverage up to a limit of $250,000 (including principal and interest) per client in each
insurable capacity (e.g., individual or joint). Free credit balances held at Schwab are not
insured or guaranteed by the FDIC.
• The Bank Sweep and Bank Sweep for Benefi t Plans features are not subject to market risk
and value loss but are subject to the risk of the failure of one or more of our affi liated banks.
In the unlikely event that one or more of our affi liated banks fails, deposits at each bank
are eligible for FDIC insurance protection up to a limit of $250,000 (including principal and
interest) per depositor in each insurable capacity (e.g., individual, joint, and plan participant).
This limit includes any other deposits you may have at that bank outside of the Bank Sweep
and Bank Sweep for Benefi t Plans features. You are responsible for monitoring your bank
balances in the Bank Sweep and Bank Sweep for Benefi t Plans features and the balances
in any of your other bank accounts at each affi liated bank to determine if these, in total,
exceed FDIC insurance limits. Monies held in both features are not covered by SIPC.
• Money market mutual funds in the Money Fund Sweep feature invest in high-quality, short-
term securities and seek to maintain a stable value, but are subject to market risks and
potential value loss. They are not bank accounts and are not subject to FDIC insurance
protection. They are instead covered by SIPC, which protects against the custodial risk (and
not a decline in market value) when a brokerage fi rm fails by replacing missing securities
and cash up to a limit of $500,000, of which $250,000 may be cash. Shares held through the
Money Fund Sweep feature are not considered cash, but are treated as securities for SIPC
coverage.
00243317
Brokerage Products: Not FDIC-Insured • No Bank Guarantee • May Lose Value
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©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC4152148 (0620-0N2E) REG86030-06 (05/20)
The Purpose and Effect of Your Consent
This disclosure and informed consent applies to all communications for
those accounts, products and services offered in person or available via
Schwab.com, Schwaballiance.com, or via a Schwab mobile website or
mobile application used to access those accounts, products or services,
to the extent they are not otherwise governed by the terms of a separate
disclosure and informed consent.
We are required to provide to you “in writing” certain records and
disclosures about our relationship and transactions in your account. You
are entitled to receive those documents on paper. With your affi rmative
consent, we can provide the documents to you electronically instead via
the Schwab Paperless Documents program (“Paperless Documents”).
The information below will help you understand the conditions and
requirements relating to Paperless Documents. You can always fi nd the
most up-to-date version of this important information at schwab.com/
paperless_consent.
Paperless Documents categories include: tax forms, trade confi rmations,
shareholder materials, statements and account documents (e.g., account
statements and other account-related documents associated with
the account, including account agreement amendments and program
disclosures, fund prospectuses, and investment advisory service
disclosures). Each of these document categories is described in detail
below. If you are opening an account, the account agreements and account
and program disclosures delivered to you as part of the account opening
process are also included in Paperless Documents. Electronic documents
specifi c to your transactions and account will be available online for up to
10 years from the date of initial delivery. Your consent to receive documents
electronically is not limited in duration and does not expire.
Depending on where you reside, the initial scope of your Paperless
Documents enrollment, and whether you have made modifi cations to
your enrollment, not all document categories may apply to you. Certain
documents that are not currently included in Paperless Documents may
continue to be delivered to you via postal mail. In the future, some or all
of these documents may be added to Paperless Documents and made
available to you electronically in accordance with your informed consent
to this disclosure. If you are uncertain which documents are covered by
your Paperless Documents enrollment, please check online at schwab
.com/paperless_services or call or email Schwab or Schwab Bank using
the contact information below.
For additional information about Schwab Bank account statements, see
the “Addendum” on the following page.
You indicate your consent to Paperless Documents by providing an email
address and signing an account agreement, or by clicking or touching
an “I consent” or other button indicating assent to or acceptance of the
conditions and requirements relating to Paperless Documents, and we
record your consent. The method of consent may depend on whether you
are opening an account or separately enrolling in Paperless Documents
for an existing account. If you do not provide consent, Schwab or Schwab
Bank will send you paper copies. Your consent will be effective until you
cancel your enrollment in Paperless Documents or Schwab or Schwab
Bank notifi es you that the program is discontinued. If you are a joint
account holder, your consent binds the other account holder.
By providing consent, you confi rm that you have the ability to access
Schwab on the web, and the ability to open, view, save, retain, and print
PDF documents as described below. These abilities demonstrate that you
can receive the documents we will deliver to you. You also confi rm that
you have provided a valid email address as part of the account opening or
Paperless Documents enrollment process.
We may, if necessary and at our discretion, end your participation in
Paperless Documents, or change the terms and conditions relating
to Paperless Documents and electronic communications. It is your
responsibility to review any updates in a timely manner. We will provide you
with notice of any discontinuation or update as required by law.
Our Contact Information to Request Paper or Ask Questions
To access the document and print a copy, log in to your Schwab or Schwab
Bank account, select the “Accounts” tab, then select “Statements.” To
request paper, ask questions about, or report problems concerning
Paperless Documents, you may contact us as follows:
To contact us by email, log in to Schwab.com, click “Contact Us,” and then
click “Send a Secure Message.” Advisor Services clients, please log in to
schwaballiance.com. To contact us by phone:
• Investor Services clients: 1-800-435-4000.
• Schwab Bank High Yield Investor Checking
®
(or other Schwab Bank)
clients: 1-888-403-9000.
• Clients in the U.K.: 00 800 0826-5001.
• Clients in other countries: +1-415-667-8400.
• Advisor Services clients: Contact your independent advisor or call
1-800-515-2157.
• Schwab Intelligent Portfolios Solutions™ clients: 1-855-694-5208.
• Institutional Intelligent Portfolios
®
clients: 1-877-805-3399.
To Withdraw Your Consent
When you change your preference back to postal mail delivery, this cancels
your enrollment in Paperless Documents and withdraws your consent
for the document categories you indicate. You can do this by logging in
to schwab.com/paperless_services, or by calling or emailing Schwab
or Schwab Bank using the contact information above. Allow 48 hours
for processing. Your consent will remain effective for other document
categories for which you maintain a paperless delivery preference.
Important note for Schwab Advisor Services clients: Canceling or
modifying your enrollment may make your account(s) ineligible for lower
commission rates, and the commissions you pay can increase.
Important note for Schwab Intelligent Portfolios Solutions and Institutional
Intelligent Portfolios clients: Intelligent Portfolios is an all-electronic
service. If in the future you request paper documents, withdraw your
consent, or are unable to receive Paperless Documents, Schwab may
terminate your account.
Electronic Notifi cation When a Paperless Document Is Ready
We send you an email to let you know a document is available. For some
documents, the email itself will be the paperless document. For other
documents, the email will contain a link that will allow you to access or
download the document, and your login may be required prior to such
access.
Keeping Your Email Address Current and Actions Schwab or
Schwab Bank Will Take If There Is a Problem
Please note that after three consecutive months of unsuccessful electronic
delivery attempts of your tax forms, trade confi rmations, or statements and
account documents, your account(s) will revert back to postal mail delivery.
This will cancel your enrollment in Paperless Documents and withdraw
your consent to receive Paperless Documents.
It is your responsibility to notify Schwab or Schwab Bank of any change in
your email address by logging in to the Schwab site and going to Service >
My Profi le > Email Addresses or using the contact information above. In
addition to the unenrollment process outlined above, if we receive any
indication either that the email notifi cation did not reach you successfully
or that there is a problem with your email address or service, we will take
the following actions:
• Tax Forms—Send a letter by postal mail within two business days to
inform you that we were unable to deliver your tax form electronically.
In certain circumstances, as may be required by law or regulation or
for other reasons, we may send you the tax form itself by postal mail
within the time period prescribed by the relevant legal or regulatory
requirements.
• Trade Confi rmation—Send a paper copy of trade confi rmation by postal
mail within 24 hours. Also send a letter by postal mail to inform you that
we were unable to deliver your Trade Confi rmation to you electronically.
Page 1 of 2
Important Information About Your Informed
Consent to Receive Paperless Documents
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Informed Consent to Receive Paperless Documents | Page 2 of 2
• Statements and Account Documents—Send a letter by postal mail
informing you that we were unable to deliver your statement or account
document electronically.
• Shareholder Materials—Send a paper copy of the shareholder materials
via postal mail within 24 hours. We will send you a letter informing you
that we were unable to deliver your shareholder materials electronically.
The account will be unenrolled from Paperless Documents, and we will
begin to send you paper shareholder materials.
Hardware and Software Requirements
Paperless Documents requires you to have access to a device (computer
or smartphone) with Internet service and an active email account and
address, along with the following:
• A current version of a common Internet browser, with JavaScript
enabled.
• A current version of a program, such as Adobe
®
Reader
®
, that accurately
reads and displays PDF documents. If you do not have Adobe Acrobat
installed on your device, you can download the free software at
adobe.com.
• An operating system on your device that supports the above.
• A printer that connects to your device, if you wish to print documents.
• Electronic storage connected to your device, if you wish to retain records
in electronic form. (If you are using your computer, just save documents
to your local hard drive.)
If you use your smartphone, you must access the full Schwab website to
view and print your documents. If you have questions relating to hardware
and software requirements, please call or email Schwab using the contact
information on the previous page.
Security and Privacy Information
Unless expressly stated, email notifi cations for Paperless Documents are
not encrypted. For security and confi dentiality, unencrypted emails will not
include your name, full account number, or any other personal identifi er.
Be aware, however, that some email addresses may use part of your name
or your entire name. If you use a work email address, your employer or
other employees may have access to your email. To help you identify your
account, we may include some portion, but not all, of your account number.
Schwab or Schwab Bank may use a vendor to deliver Paperless Documents.
Whether Schwab, Schwab Bank, or a vendor delivers the documents,
Schwab’s privacy policy applies.
Records and Disclosures Included in Schwab and Schwab Bank’s
Paperless Documents Program
Tax Forms (“eTax Documents”)
A tax document provides important information you need to complete
your tax returns. Much of the information we provide in tax documents
is also reported to the IRS. This includes any corrected tax documents
and accompanying notices. When a tax document is ready, we will send
an email notifi cation with the subject line “IMPORTANT TAX RETURN
DOCUMENT AVAILABLE” and containing a web link to the document
available after you log in.
Trade Confi rmations (“eConfi rms”)
A trade confi rmation is an offi cial record of your securities transaction.
It includes the price, number of shares, and the commission we charge
you, as well as disclosures required under federal law. If you choose to
receive paperless trade confi rmations, the terms and conditions of your
transaction will appear in the email and on a web page you can link to
from the email. Your consent to receive paperless trade confi rmations
also includes paperless delivery of prospectuses or other regulatory
information we provide to you at the time of your trade. Your consent to
receive paperless trade confi rmations also covers paperless delivery of
Trade Confi rmation Reports (TCRs) if you elect this alternative as part of
your Managed Account enrollment.
Statements and Account Documents (“eStatements”)
An account statement provides important information about your account,
including the price and quantity of securities you hold, the transactions
conducted, other activity in your account, and terms and conditions
governing your account. Account statements are sent at the end of each
month in which you conducted activity in your account or at the end of
each calendar quarter, regardless of any account activity. With your
account statements, we often include accompanying account-related
notices and other regulatory information, including, but not limited to,
Schwab’s Statement of Financial Condition, pricing changes, changes to
payment features, privacy policy, annual notices, amendments to your
account agreements, and any other documents, notices, and disclosures
required by law or regulatory rules to be provided to you. At account
opening and from time to time thereafter, we also send you notifi cations
about your account. Collectively, we call these documents, notices, and
disclosures “account documents.” When you consent to paperless account
statements, you also consent to paperless account documents.
Investment Advisory Service Disclosures
(A Sub-Category of Account Documents)
Your consent to paperless Statements and Account Documents includes
investment advisory program disclosures, brochure supplements with
information about individual Schwab representatives, and related
materials such as periodic updates or annual summaries of any changes
to those documents (“Form ADV Disclosures”) as Schwab makes these
available in the future. The investment advisory programs may include
Schwab Private Client™, Schwab Managed Portfolios™, Schwab Managed
Account Services™, the Schwab Advisor Network
®
, Schwab Intelligent
Portfolios Solutions™, and other similar advisory services, and fee-based
Financial Planning Services. In addition to Schwab’s and its affi liates’
own Form ADV Disclosures, your consent also covers ADV Disclosures
from third-party investment advisors whose services you select through
Schwab. Paperless Form ADV Disclosures may accompany your account
statements or be sent independently. If the third party does not make its
Form ADV Disclosures available electronically, you will instead receive the
standard printed materials by postal mail.
Shareholder Materials (“Electronic Delivery”)
Shareholder materials include regulatory information such as
prospectuses; prospectus supplements; quarterly, semi-annual, and
annual reports; and proxy materials. You will receive an email notifi cation
with a web link to shareholder materials if you have a position in an
equity or mutual fund as of the record date for a particular shareholder
distribution and the materials are made available electronically by the
issuer or third party. If the issuer or third party does not make shareholder
materials available electronically, you will instead receive the standard
printed materials by postal mail. By providing your consent to receive
electronic delivery of shareholder material, you also consent to electronic
householding. This means that if you and someone else enroll in this
paperless service using the same email address, we may send one email
announcement to this email address if each account holds securities of the
same issuer. This avoids duplicate mailings of shareholder documents. If
you no longer want electronic householding of your shareholder materials,
you must modify your Paperless Documents enrollment as described
above. Your shareholder materials may include electronic proxies. You may
elect to vote your proxy online at proxyvote.com by entering the control
number included in your email announcement and the last four digits of
your Social Security number or Taxpayer Identifi cation Number as your PIN.
Addendum for Schwab Bank Paperless Statements
(“eStatements”)
Schwab Bank Paperless Documents categories include statements and
account documents and tax forms. The above information regarding
the purpose and effect of your consent, including how to request paper
delivery, how to ask questions, how to withdraw consent for paperless
delivery, electronic notifi cation of ready statements, keeping a current
email address, hardware and software requirements, and security
and privacy information, are all applicable to Schwab Bank accounts.
Paperless Documents include account statements and tax forms. In
addition, account statements for your Investor Checking account(s),
Investor Savings account(s), and Pledged Asset Line
®
account(s) provide
important information about your accounts, including the account balance;
the transactions conducted; other activity in your accounts; and other
information, terms, and conditions governing your accounts.
Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. are separate but affi liated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products offered by Charles Schwab & Co., Inc.
are not insured by the FDIC, are not deposits or obligations of Charles Schwab Bank, SSB and are subject to investment risk, including the possible loss of principal invested. Deposit and other lending products
and services are offered by Charles Schwab Bank, SSB, Member FDIC and an Equal Housing Lender. Charles Schwab Bank, SSB is not acting or registered as a securities broker-dealer or investment advisor.
00246018
Brokerage Products: Not FDIC-Insured • No Bank Guarantee • May Lose Value
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC4152148 (0620-0N2E) REG86030-06 (05/20)
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©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC4085648 (0520-0X1D) APP13552-19 (05/20)
00244914
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