Fill - Free fillable Schwab Custodial IRA Account Application (Charles Schwab) PDF form

Schwab Custodial IRA Account Application

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Schwab.com

1-800-435-4000

(inside the U.S.)

+1-415-667-5009

(outside the U.S.)

1-888-686-6916

(multilingual services)

• Complete, sign, date and return the application to Schwab.

• For important disclosures about our relationship with you and the services we can provide, please visit

schwab.com/transparency.

Type of Account

Select one.

Traditional Custodial IRA

Roth Custodial IRA

Account Holder Information

Complete all sections below. 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.

Minor Information (Account Holder)

As required by federal

law, Schwab will use the

information provided to

verify the identity of all

account holders. Read about

Schwab's privacy policy at

schwab.com/policy.

Name Title, First Middle Name Last Name, Suffix

Social Security/Tax ID Number Date of Birth mm/dd/yyyy Is minor known by any other name? Please specify.

Regulations require that

you provide us with your

legal address.

Home/Legal Street Address No P.O. Boxes City State Zip Code

Include mailing address

different from your

home/legal address.

Mailing Address P.O. Boxes may be used City State Zip Code

Home Phone Mobile Phone Work Phone Extension

Mother's Maiden Name

Country(ies) of Citizenship Please list all.

USA Other(s)

Country of Citizenship 1 Country of Citizenship 2 (if applicable)

Country of Legal Residence Please select only one box.

USA Other

Other Country of Legal Residence

ID Type and Number Please select only one box and provide the relevant information below.

Driver's License Passport U.S. Government-Issued ID

ID Number Country/State of ID Issuance ID Expiration Date mm/dd/yyyy

CLEAR

Schwab Custodial IRA Account Application

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Marital Status

Single Married Divorced Widowed Number of Dependents

Securities industry regulations require that we collect this information.

Employment Information

Please select only one box.

Employed Self-Employed Retired Homemaker Student Not Employed

Employer Name/Business Name

Occupation

If you selected “Employed” or

“Self-Employed,” please

select one option that best

describes your occupation.

Business Owner/Self-Employed Executive/Senior Management

Medical Professional Legal Professional

Accounting Professional Financial Services/Banking Professional

Information Technology Professional Other Professional

U.S. Government Employee (Federal/State/Local) Foreign Government Employee (Non-U.S.)

Military Educator

Clerical/Administrative Services Trade/Service Career (Labor/Manufacturing/Production)

Sales/Marketing Consultant

Other Please Specify:

Business Street Address No P.O. Boxes City State Zip Code

The next two questions are required.

You must answer

this question.

Are you affiliated with or employed by a stock exchange or member firm 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 establishment of your account when

submitting this Application.

You must answer

this question.

Are you a director, 10% shareholder or policy-making officer of a publicly held company?

No Yes If yes, please list all companies below.

Company Name Trading Symbol

Annual Income

Under $15,000 $15,000-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000 or more

Liquid Net Worth

Under $25,000 $25,000-$49,999 $50,000-$99,999 $100,000-$249,999 $250,000 or more

Specify dollar amount if $250,000 or more

Schwab Custodial IRA Account Application

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Custodian Information

As required by federal law,

Schwab will use the

information provided to verify

your identity.

Name Title, First Middle Name Last Name, Suffix

Social Security Number Date of Birth mm/dd/yyyy Are you known by another name? Please specify.

Regulations require that

you provide us with your

legal address.

Home/Legal Street Address No P.O. Boxes City State Zip Code

Include mailing address if

different from your

home/legal address.

Mailing Address P.O. Boxes may be used City State Zip Code

Home Phone

Mobile Phone Work Phone Extension

Please provide your email address if you would like to access your accounts online. By providing your email address, you

consent to receiving email from Schwab.

Email Address Mother's Maiden Name

Country(ies) of Citizenship Please list all.

USA Other(s)

Country of Citizenship 1 Country of Citizenship 2, if applicable

Country of Legal Residence Please select only one box.

USA Other

Other Country of Legal Residence

ID Type and Number Please select only one box and provide the relevant information below.

Driver's License Passport U.S. Government-Issued ID

ID Number Country/State of ID Issuance ID Expiration Date mm/dd/yyyy

Marital Status

Single Married Divorced Widowed Number of Dependents

Securities industry regulations require that we collect this information.

Employment Information

Please select only one box.

Employed Self-Employed Retired Homemaker Student Not Employed

Employer Name/Business Name

Schwab Custodial IRA Account Application

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Occupation

If you selected “Employed” or

“Self-Employed,” please

select one option that best

describes your occupation.

Business Owner/Self-Employed Executive/Senior Management

Medical Professional Legal Professional

Accounting Professional Financial Services/Banking Professional

Information Technology Professional Other Professional

U.S. Government Employee (Federal/State/Local) Foreign Government Employee (Non-U.S.)

Military Educator

Clerical/Administrative Services Trade/Service Career (Labor/Manufacturing/Production)

Sales/Marketing Consultant

Other Please Specify:

Business Street Address No P.O. Boxes City State Zip Code

The next two questions are required.

You must answer

this question.

Are you affiliated with or employed by a stock exchange or member firm 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 establishment of your account when

submitting this Application.

You must answer

this question.

Are you a director, 10% shareholder or policy-making officer of a publicly held company?

No Yes If yes, please list all companies below.

Company Name Trading Symbol

Investment Experience

Please select only one box.

None Limited Good Extensive

This is required for Minors

who are residents of states

governed by either the

Uniform Gifts to Minors Act or

the Uniform Transfers to

Minors Act (UGMA or UTMA).

Please indicate the age for termination of custodianship and the state law under which this Custodial account will be

governed.

Age of Termination

Governing State Law

The age of custodianship termination varies by state, although many states set the maximum age for termination at 21. If

you do not indicate a termination age, the account will be set up using the default age for termination in the Custodian’s

state of residence. If the termination age selected is different from the state’s default age, the Custodian agrees and

acknowledges that he or she is responsible under UGMA or UTMA for determining the proper termination age and that

Schwab is not responsible for doing so. If you have questions about the termination age, please consult your legal or tax

advisor. Schwab may restrict the Custodian’s access to the account and register the assets in the beneficiary’s name

upon the beneficiary reaching the age of termination.

You understand that by electing to extend custodianship to age 25, if applicable, you may lose your annual exclusion from

federal gift tax. You should consult with an attorney or tax advisor before making this election. (Note: Only certain states

allow the custodianship to be extended to the Minor’s 25th birthday. This election may be exercised only in those states

that specifically provide for it.)

Schwab Custodial IRA Account Application

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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 financial 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 financial 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 file.

Person 1

If you have no changes to your

existing Trusted Contact,

please skip this section.

Name Title, First Middle Name Last Name, Suffix

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, Suffix

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 financial 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.

Schwab Custodial IRA Account Application

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Overall Investment Objective of Account

Please select all boxes

that apply.

Capital Preservation

Income

Growth

Speculation

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 (a “Cash Feature”) to permit your uninvested

cash (the “Free Credit Balance”) to earn income while you decide how those funds should be invested longer term.

You understand that additional information about the Cash Features Program and each Cash Feature is available in the

Cash Features Disclosure Statement.

By signing this Application, you consent to having the Free Credit Balance in your brokerage account included in the Cash

Features Program, as described in the Cash Features Disclosure Statement.

The Bank Sweep 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 banks affiliated with Schwab (“Sweep Banks”). Your deposits at each Sweep Bank are insured by the Federal

Deposit Insurance Corporation (FDIC) up to $250,000 (including principal and accrued interest) when aggregated with all

other deposits held by you in the same insurable capacity at that bank. Your funds may be placed in a Sweep Bank in

excess of the FDIC insurance limit. In certain limited circumstances, Schwab may place your funds in a sweep money

market fund. Please see the Cash Features Disclosure Statement for additional information.

You understand and agree that Schwab can (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 your investment from one Cash Feature to another if you become ineligible for your current Cash Feature or your

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.

Paperless Document Enrollment

Here’s how paperless works: You will receive account statements, trade confirmations, shareholder materials, account

agreements and related disclosures, and other regulatory documents, if available in paperless form, by email. For certain

documents, including account statements, you will receive an email notification 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 your email address in the "Account Holder Information" section of this

form. The completion of your enrollment will depend on one of the following scenarios.

Scenario 1:

If you already have an account enrolled in Paperless Documents using the email address provided on this form, 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 application 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.

Scenario 2:

If you 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

Schwab.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.

Schwab Custodial IRA Account Application

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Fund the Account

A. Check or Money Order. Make payable to Charles Schwab & Co., Inc.

Select one.

New contribution. Indicate the year for which you are contributing on front of check. If no year is indicated, the

contribution will be credited for the current year.

Rollover from another Custodial IRA held at another institution that you have withdrawn in the past 60 days.

Transfer of Account. Complete and attach a Transfer Your Account form.

Nominate a Successsor Custodian (Optional)

Use this section to designate a

Successor Custodian to act on

behalf of this account in the

event of your incapacity,

death, resignation or removal

as Custodian.

This is a nomination only. To activate the role of a Successor Custodian, the account registration must be changed.

I hereby nominate as Successor Custodian of the account:

Name of Successor Custodian

This designation shall take effect as to this account in the event of my incapacity, death, resignation or removal as

Custodian.

In Witness Thereof, I have executed this Designation of Successor Custodian option on:

mm/dd/yyyy

Witness (The witness may NOT be the individual designated as the Successor Custodian or Custodian and must be at

least 18 years of age.)

Today’s Date mm/dd/yyyy

signer1_DocuSignFullName

Print Name

signer1_SignHere signer1_DateSigned

Today’s Date mm/dd/yyyy

Print Name

Beneficiary Designation

The Minor Account Holder of this Custodial IRA may not designate his/her own beneficiaries until he/she reaches the age

of majority (usually 18 or 21, depending upon the state in which the Minor lives). Upon the Minor attaining the age of

termination, the Custodian must terminate custodianship of this account, at which time the Account Holder may assume

control of the IRA assets by completing a standard Schwab IRA Application. The Account Holder may designate his/her

beneficiaries at that time. In the event the Minor should die before attaining the age of majority or age for termination, or

dies thereafter without having designated any beneficiaries, the account will be distributed to the Minor’s estate.

Schwab Custodial IRA Account Application

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Offer/Referral Code (Optional, up to three offer/referral code entries.)

This section is optional.

If you have an offer or referral

code, enter it here.

Terms and conditions may apply. Any taxes related to an offer are your responsibility. You should consult with your tax or

legal advisor regarding any tax implications and the appropriate tax treatment of an offer. For more information regarding

an offer, please call 1-866-469-7017.

You may enter up to three

codes. Your code(s) may

be shorter than the

space provided.

Offer/Referral Code 1

Offer/Referral Code 2

Offer/Referral Code 3

Authorization to Open Account

Please read and sign below. By signing this Application, you hereby adopt the Individual Retirement Plan that names Charles Schwab & Co., Inc. as

Custodian of this Account, as further explained in the Charles Schwab & Co., Inc. Individual Retirement Plan.

You acknowledge that you have received and read the attached “Application Agreement,” which contains a pre-dispute

arbitration provision. You acknowledge that your signature s

ignifies and constitutes your agreement that this account and

your relationship with Schwab will be governed by the Application Agreement and all incorporated agreements and disclo-

sures, including, but not limited to, the Charles Schwab & Co., Inc. Individual Retirement Plan and Disclosure Statement,

the Schwab IRA and ESA 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 and transferring assets out of this account.

This account is established and effective when you receive your account number. You have the right to cancel the account

within seven days from the date the account is established. The revocation will be reported

to the Internal Revenue Service

as a distribution.

You also acknowledge that the securities products purchased or sold in a transaction with Schwab (i) are not insured by

the Federal Deposit Insurance Corporation (“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 inve

sted.

For purposes of this Account Application and the attached Application Agreement, the terms “you,” “your” and “Account

Holder” 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 representative or fiduciary capacity. The terms “we,” “us,” “our” and “Schwab” refer to

Charles Schwab & Co., Inc.

I certify, under penalty of perjury, that (1) the number shown on this Application is the correct Taxpayer

Identification 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 notified 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 certifications required to avoid backup withholding.

The Agreement with Schwab includes a predispute

arbitration clause. You acknowledge receipt of the

predispute arbitration clause contained in Section 10,

page 2, of the Application Agreement.

Today’s Date mm/dd/yyyy

signer1_DocuSignFullName

Print Name

signer1_SignHere signer1_DateSigned

Schwab Custodial IRA Account

Application Agreement

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Client Copy

This agreement relates to your account and is part of the Account Agreement between each account holder and Charles Schwab & Co., Inc.

(“Schwab”). Please read and retain for your records.

Section 1: Scope of Agreement.

Your agreement with Schwab consists of the

terms set forth in this Application Agreement

and the terms set forth in the applicable

Individual Retirement Plan and Disclosure

Statement, the Schwab IRA and ESA Account

Agreement, which incorporates the Charles

Schwab Pricing Guide and a number of other

important disclosures. The applicable Individual

Retirement Plan and Disclosure Statement and

the Schwab IRA and ESA Account Agreement

are provided with this Application or at the

opening of your Account. You agree to contact

Schwab if you do not receive the applicable

Individual Retirement Plan and Disclosure

Statement and the Schwab IRA and ESA

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 benefit packages. These supple-

mental terms and disclosures, this Application

Agreement, the applicable Individual

Retirement Plan and Disclosure Statement, and

the Schwab IRA and ESA 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.

Section 2: 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.

Section 3: 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) the Minor is a U.S.

citizen; (d) you agree that all assets in the

Account belong to the beneficiary and that you

will only use the assets for the beneficiary’s

benefit; (e) you agree to transfer and deliver to

the beneficiary all securities and other property

held in this Account promptly upon the benefi-

ciary attaining the age specified by the

governing state law for termination of the

custodianship;(f) upon the termination of the

custodianship, you agree to provide Schwab,

upon request, with the beneficiary’s address,

phone number and any other information that

may assist Schwab in contacting the

beneficiary; (g) you instruct Schwab, without

further notice or instruction, to register the

Account into the beneficiary’s name as soon as

commercially practicable after the termination

of the custodianship; (h) you acknowledge that

Schwab may restrict your access to the

account upon termination of the custodianship;

(i) no additional authorizations from third

parties are required for you to open the

Account and effect transactions therein;

(j) except as you have otherwise indicated on

your Account Application or in writing to us,

(1) you are not an employee of or affiliated with

any securities exchange or member firm of any

exchange, the Financial Industry Regulatory

Authority (FINRA), or any securities firm, bank,

trust company, or insurance company; and

(2) you are not a director, 10% beneficial

shareholder, policy-making officer, or otherwise

an “affiliate” (as defined in Rule 144 under the

Securities Act of 1933) of a publicly traded

company; and (k) this Application Agreement,

as amended from time to time, is a legal, valid

and binding obligation, enforceable against you

in accordance with its terms.

Section 4: 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.

Section 5: 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 identified as an

individualized recommendation 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

affirmative duty to monitor and stay informed

about your Account and your investments 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, financial advice,

or financial plan we may give you. Such

recommendation, financial advice, or financial

plan only applies at the point in time we

provide it to you.

You acknowledge that Schwab does not

provide tax or legal advice.

Section 6: 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.

Section 7: Liquidations.

Whenever it is necessary, for our protection, to

satisfy a debit in your Account or an obligation

owed us with respect to your Account

(including the payment of any fees and

expenses relating to your Account that are

assessed from your Account), you authorize

and direct Schwab to sell, assign and deliver all

or any part of the property in your Account or

close any or all transactions in your Account or

restrict activity in your Account as may be

necessary from time to time to satisfy any such

debit or obligation. You further authorize and

direct us to choose which property to buy or

sell, which transactions to close, and the

sequence and timing of liquidation. 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

pursuant to this direction. You agree not to

hold us liable for the choice of which property

to buy or sell or which transactions to close, for

the timing or manner of liquidation, or for any

tax consequences from such actions pursuant

to this direction. This serves as your direction

and authorization to us, without any additional

notice 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 specific demand or

notice shall invalidate this waiver.

Section 8: Verification.

You authorize Schwab to inquire from any

source, including a consumer reporting agency,

as to the identity (as required by law),

Schwab Custodial IRA Account Application Agreement - Client Copy

Page 2 of 3

creditworthiness and ongoing eligibility for the

Account of the Account Holders, any other

person referred to on this Application, or any

person whom Schwab is later notified 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.

Section 9: Required Arbitration Disclosures.

Regulatory authorities require that any

brokerage agreement 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 filed.

• Arbitration awards are generally final 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 first

scheduled hearing date.

• The panel of arbitrators will typically include

a minority of arbitrators who were or are

affiliated 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 filed, and any amendments

thereto, shall be incorporated into this

Agreement.

No person shall bring a putative or certified

class action to arbitration, nor seek to enforce

any predispute arbitration agreement against

any person who has initiated in court a

putative class action; or who is a member of a

putative class who has not opted out of the

class with respect to any claims encompassed

by the putative class action until:

1. the class certification is denied;

2. the class is decertified; 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.

Section 10: 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,

affiliates, officers, 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 benefit of the

parties hereto and their respective

representatives, attorneys-in-fact, heirs,

successors, assigns and any other persons

having or claiming to have a legal or beneficial

interest in the Account, including court-

appointed trustees and receivers. This

arbitration agreement will also inure to the

benefit 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 beneficiaries 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 filing 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 financial 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 final 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 enforcement 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 first-class, certified or

registered mail, or otherwise given by other

commercially accepted medium of written

notification. 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 specifically 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.

Section 11: Electronic Copies.

The electronically stored copy of your (or your

agent’s) signature, any written instructions or

authorizations, the Account Application and the

Agreement and Disclosures are considered to

Schwab Custodial IRA Account Application Agreement - Client Copy

Page 3 of 3

be the true, complete, valid, authentic and

enforceable record, admissible in judicial,

administrative or arbitration proceedings to the

same extent as if the documents and records

were originally generated and maintained in

printed form. You agree to not contest the

admissibility or enforceability of Schwab’s

electronically stored copy of such documents in

any proceeding between you and Schwab.

Section 12: Float.

You agree that Schwab will retain as

compensation for services your Account’s

proportionate share of any interest earned on

aggregate cash balances held in Schwab’s

bank account with respect to (1) assets

awaiting investment or (2) assets pending

distribution from your Account. Such interest

retained by Schwab shall generally be at

money market rates. Schwab’s receipt of such

compensation is further described in the

Agreements and Disclosures.

Section 13: Unclaimed Property.

If no activity occurs in the Account within the

time period specified by applicable state law,

the Account may be transferred to the

appropriate state.

Section 14: Information About SIPC.

To obtain information about Securities Investor

Protection Corporation (SIPC), including an

explanatory SIPC brochure, please contact

SIPC at www.sipc.org or 1-202-371-8300.

Section 15: 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 www.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.

Cash Features Program

General Terms and Conditions

Page 1 of 2

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 conflict 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 affiliated banks (the “Bank Sweep

feature” for most accounts and the “Bank Sweep for Benefit Plans feature” for retirement

plan accounts); and

• For some accounts, one or more affiliated 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 affiliated 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 affiliated bank(s).

Brokerage Products: Not FDIC-Insured • No Bank Guarantee • May Lose Value

Page 2 of 2Cash Features Program General Terms and Conditions

Interest Rates and

Yields

(Continued)

• The interest rate on the Bank Sweep for Benefit Plans feature is set by our affiliated 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.

Benefits to Schwab We charge fees and receive certain benefits under the different cash features. We share a

portion of these fees and benefits with our investment professionals. Because of these fees

and benefits, we have a financial 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 Benefit 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 affiliated banks.

In the unlikely event that one or more of our affiliated 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 Benefit Plans features. You are responsible for monitoring your bank

balances in the Bank Sweep and Bank Sweep for Benefit Plans features and the balances

in any of your other bank accounts at each affiliated 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 firm 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.

Brokerage Products: Not FDIC-Insured • No Bank Guarantee • May Lose Value

Important Information About Your Informed

Consent to Receive Paperless Documents

Page 1 of 2

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 affirmative

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 find the

most up-to-date version of this important information at schwab.com/

paperless_consent.

Paperless Documents categories include: tax forms, trade confirmations,

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 specific 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 modifications 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 notifies you that the program is discontinued. If you are a joint

account holder, your consent binds the other account holder.

By providing consent, you confirm 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 confirm 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 Notification 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 confirmations, 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 Profile > 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 notification 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 Confirmation—Send a paper copy of trade confirmation by postal

mail within 24 hours. Also send a letter by postal mail to inform you that

we were unable to deliver your Trade Confirmation to you electronically.

APP13589-23

Page 2 of 2

Informed Consent to Receive Paperless Documents

• 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 notifications for Paperless Documents are

not encrypted. For security and confidentiality, unencrypted emails will not

include your name, full account number, or any other personal identifier.

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 notification with the subject line “IMPORTANT TAX RETURN

DOCUMENT AVAILABLE” and containing a web link to the document

available after you log in.

Trade Confirmations (“eConfirms”)

A trade confirmation is an official 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 confirmations, 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 confirmations 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 confirmations also covers paperless delivery of

Trade Confirmation 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 notifications

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 affiliates’ 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 notification 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 Identification 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 notification 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.

Brokerage Products: Not FDIC-Insured • No Bank Guarantee • May Lose Value

Charles Schwab Bank and Charles Schwab & Co., Inc. are separate but affiliated 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, 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, Member FDIC and an Equal Housing Lender. Charles Schwab Bank is not acting or registered as a securities broker-dealer or investment advisor.

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