Fillable Schwab Custodial IRA Account Reregistration Application (Charles Schwab)

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Schwab Custodial IRA Account Reregistration Application (Charles Schwab)

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The Schwab Custodial IRA Account Reregistration Application (Charles Schwab) form is 16 pages long and contains:

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  • 15 check-boxes
  • 249 other fields

Country of origin: US
File type: PDF

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©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
Schwab Custodial IRA Account
Reregistration Application
Page 1 of 10
Schwab.com
1-800-435-4000
(inside the U.S.)
+1-415-667-5009
(outside the U.S.)
1-888-686-6916
(multilingual services)
• Use this form to reregister a Schwab IRA account with Custodial (UGMA or UTMA) registration as a Schwab IRA account
once you have reached the age at which your custodial relationship ends according to your state law.
• Use this form to reregister a Schwab Minor Inherited IRA as a Schwab Inherited IRA once you have reached age 18.
• For important disclosures about our relationship with you and the services we can provide, please visit schwab.com/
transparency.
Do not sign or date until you have reached the age of termination—applications received in advance of that date will be
returned unprocessed.
Schwab Account Number
Enter existing Schwab Custodial IRA account number. This account number will not change.
Schwab Account Number
Tell Us About Yourself
We respect your privacy. Charles Schwab & Co., Inc. (“Schwab”) will use the information you provide to open and service
your accounts, communicate with you, and provide information about products and services. Read about Schwab’s
privacy policy at www.schwab.com/privacy.
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
CLEAR
PRINT
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
Page 2 of 10
Schwab Custodial IRA Account Reregistration Application
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
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.
Company Name
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
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
Page 3 of 10
Schwab Custodial IRA Account Reregistration Application
Financial Information
Securities industry regulations require that we collect this information.
Investment Experience
Please select only one box
in each section.
None Limited Good Extensive
Annual Income
Under $15,000 $15,000-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000 or more
Liquid Net Worth
Your liquid net worth is the part of your net worth that can be easily turned into cash. Liquid net worth includes investments like stocks and mutual
funds, but not assets like real estate.
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
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
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
Page 4 of 10
Schwab Custodial IRA Account Reregistration Application
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.
Overall Investment Objective of Account
Please select all boxes
that apply.
Capital Preservation
You are seeking to minimize the potential of losing your initial investment.
Income
You are seeking the continued receipt of current income while recognizing and accepting the risks of
income-generating investments.
Growth
You are seeking to increase the value of your investments over time while accepting price fluctuations
and volatility.
Speculation
You are willing to assume a higher risk of loss in exchange for potentially higher returns.
Your Consent to Enroll in Schwab's Cash Features Program
The Cash Features Program is a service that we provide that permits the uninvested cash or “free credit balance” in your
Account to earn income while those funds remain uninvested. 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 current Cash Feature on your brokerage
account will remain the same.
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.
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
Page 5 of 10
Schwab Custodial IRA Account Reregistration Application
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 "Tell Us About Yourself" 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.
Or
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.
Beneficiary Designation
In the event of my death, pay the full value of my account (in equal proportions, in the case of multiple beneficiaries,
unless I indicate otherwise) to the Primary Beneficiary(ies) as designated below. I understand that if a Primary Beneficiary
passes away before me, the remaining portion will be divided proportionately among any surviving Primary Beneficiaries
in the manner provided in the Charles Schwab & Co., Inc. Individual Retirement Plan. If no Primary Beneficiary survives
me, pay the full value of my account (in equal proportions, in the case of multiple beneficiaries, unless I indicate
otherwise) to the Contingent Beneficiary(ies) as designated below. I understand that if a Contingent Beneficiary passes
away before me, the remaining portion will be divided proportionately among any surviving Contingent Beneficiaries in the
manner provided in the Charles Schwab & Co., Inc. Individual Retirement Plan. Any beneficiary who does not survive me
by 120 hours will be considered to have passed away before me. If no designated beneficiary survives me, or if I do not
designate a beneficiary, pay the full value of my account to my estate.
I understand that I may change or revoke this designation at any time by completing a new Beneficiary Form with Schwab
during my lifetime. It will become effective when Schwab receives it.
I understand that if Schwab determines that my beneficiary designation is not clear with respect to the amount of the
distribution, the date on which the distribution shall be made, or the identity of the party or parties who will receive the
distribution, Schwab shall have the right, in its sole discretion, to consult counsel and to institute legal proceedings to
determine the proper distribution of the account, all at the expense of the account, before distributing or transferring the
account.
If I live in a state with community property statutes and do not designate my spouse as the sole Primary Beneficiary, I
represent and warrant that my spouse has consented to such designation.
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
Page 6 of 10
Schwab Custodial IRA Account Reregistration Application
Type of Beneficiary
The portion % must add up to
100% per beneficiary type.
The portion can be extended
to the hundredths position
(e.g., 33.33%). If left blank,
portions will be evenly
distributed amongst
beneficiaries.
Primary Contingent
Portion %
First Title, Name
Middle Name or Initial
Last Name, include suffix
Trust/Organization/Estate If Trust, include full Trust Name
Note: Benefits cannot be
expressed in dollar amounts.
If you wish to indicate
additional designation
options, please skip this
section, complete the Schwab
IRA Beneficiary Designation
form, and submit it with this
application.
For future beneficiary
designations and changes,
visit
schwab.com/
beneficiaries.
Relationship Select only one.
Spouse Child Grandchild Parent Sibling Other Individual
Trust Organization Estate
Social Security Number/Tax ID Number Date of Birth/Trust Date mm/dd/yyyy
Mailing Address City State Postal or Zip Code
Phone Number Email Address
Country of Citizenship
USA Other
Country of Citizenship
Country of Legal Residence Select only one.
USA Other
Other Country of Legal Residence
Type of Beneficiary
The portion % must add up to
100% per beneficiary type.
The portion can be extended
to the hundredths position
(e.g., 33.33%). If left blank,
portions will be evenly
distributed amongst
beneficiaries.
Primary Contingent
Portion %
First Title, Name
Middle Name or Initial
Last Name, include suffix
Trust/Organization/Estate If Trust, include full Trust Name
Note: Benefits cannot be
expressed in dollar amounts.
If you wish to indicate
additional designation
options, please skip this
section, complete the Schwab
IRA Beneficiary Designation
form, and submit it with this
application.
For future beneficiary
designations and changes,
visit
schwab.com/
beneficiaries.
Relationship Select only one.
Spouse Child Grandchild Parent Sibling Other Individual
Trust Organization Estate
Social Security Number/Tax ID Number Date of Birth/Trust Date mm/dd/yyyy
Mailing Address City State Postal or Zip Code
Phone Number Email Address
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
Page 7 of 10
Schwab Custodial IRA Account Reregistration Application
Country of Citizenship
USA Other
Country of Citizenship
Country of Legal Residence Select only one.
USA Other
Other Country of Legal Residence
Type of Beneficiary
The portion % must add up to
100% per beneficiary type.
The portion can be extended
to the hundredths position
(e.g., 33.33%). If left blank,
portions will be evenly
distributed amongst
beneficiaries.
Primary Contingent
Portion %
First Title, Name
Middle Name or Initial
Last Name, include suffix
Trust/Organization/Estate If Trust, include full Trust Name
Note: Benefits cannot be
expressed in dollar amounts.
If you wish to indicate
additional designation
options, please skip this
section, complete the Schwab
IRA Beneficiary Designation
form, and submit it with this
application.
For future beneficiary
designations and changes,
visit
schwab.com/
beneficiaries.
Relationship Select only one.
Spouse Child Grandchild Parent Sibling Other Individual
Trust Organization Estate
Social Security Number/Tax ID Number Date of Birth/Trust Date mm/dd/yyyy
Mailing Address City State Postal or Zip Code
Phone Number Email Address
Country of Citizenship
USA Other
Country of Citizenship
Country of Legal Residence Select only one.
USA Other
Other Country of Legal Residence
Type of Beneficiary
The portion % must add up to
100% per beneficiary type.
The portion can be extended
to the hundredths position
(e.g., 33.33%). If left blank,
portions will be evenly
distributed amongst
beneficiaries.
Primary Contingent
Portion %
First Title, Name
Middle Name or Initial
Last Name, include suffix
Trust/Organization/Estate If Trust, include full Trust Name
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
Page 8 of 10
Schwab Custodial IRA Account Reregistration Application
Note: Benefits cannot be
expressed in dollar amounts.
If you wish to indicate
additional designation
options, please skip this
section, complete the Schwab
IRA Beneficiary Designation
form, and submit it with this
application.
For future beneficiary
designations and changes,
visit schwab.com/
beneficiaries.
Relationship Select only one.
Spouse Child Grandchild Parent Sibling Other Individual
Trust Organization Estate
Social Security Number/Tax ID Number Date of Birth/Trust Date mm/dd/yyyy
Mailing Address City State Postal or Zip Code
Phone Number Email Address
Country of Citizenship
USA Other
Country of Citizenship
Country of Legal Residence Select only one.
USA Other
Other Country of Legal Residence
If more than four Primary or Contingent Beneficiaries are designated, attach a separate sheet of paper, signed and dated
as it appears on this application.
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
Page 9 of 10
Schwab Custodial IRA Account Reregistration Application
Authorization to Open Account
Please read and sign below. By signing this Application, you hereby adopt and ratify your Custodian’s prior adoption of the applicable 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 predispute
arbitration provision. You acknowledge that your signature signifies and constitutes 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 applicable 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.
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. 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 attached Application Agreement.
Today’s Date mm/dd/yyyy
signer1_DocuSignFullName
Print Name
signer1_SignHere signer1_DateSigned
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
Page 10 of 10
Schwab Custodial IRA Account Reregistration Application
Return Instructions
• Upload online with secure messaging (if you are an existing client and have online access to your account).
1. Go to Schwab.com and log in to your account.
2. Click Message Center (under Service), and then click Upload Document.
• Fax to 1-888-526-7252.
• Bring to your nearest Schwab branch (visit Schwab.com/branch for locations).
• Mail to any of the following addresses:
Regular Mail (West)
Charles Schwab & Co., Inc.
P.O. Box 982600
El Paso, TX 79998-2600
Regular Mail (East)
Charles Schwab & Co., Inc.
P.O. Box 628291
Orlando, FL 32862-8291
Overnight Mail (East)
Charles Schwab & Co., Inc.
1958 Summit Park Dr., Ste. 200
Orlando, FL 32810
Overnight Mail (West)
Charles Schwab & Co., Inc.
1945 Northwestern Dr.
El Paso, TX 79912
PRINT
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
Schwab Custodial IRA Account
Reregistration Application Agreement
Page 1 of 3
Client Copy - This agreement relates to your Account and is part of the Account Agreement between each account
holder and Schwab. Please read and retain for your files.
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, and 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
supplemental 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) if you are married, live
in a state with community-property laws and
have designated someone other than your
spouse as the sole beneficiary to this Account,
you have obtained the consent of your spouse
to such designation; (d) no additional
authorizations from third parties are required
for you to open the Account and effect
transactions therein; (e) except as you have
otherwise indicated on your Account
Application or in writing to us, (i) you are not an
employee of or affiliated with any securities
exchange or member firm of any exchange, the
Financial Industry Regulatory Authority, or any
securities firm, bank, trust company or
insurance company and (ii) 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 (f) 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 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 of which transactions to close
or for timing or manner of liquidation or 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),
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:
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
Page 2 of 3
Schwab Custodial IRA Account Reregistration Application Agreement - Client Copy
• 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
unavailable 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 is considered to 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.
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
Page 3 of 3
Schwab Custodial IRA Account Reregistration Application Agreement - Client Copy
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
Agreement 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.
This page is intentionally blank.
©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 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
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3971500 (0118-7F68) REG91285-03 (03/20)
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
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC4218920 (0620-093W) REG86030-07 (06/20)
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.
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC4218920 (0620-093W) REG86030-07 (06/20)
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 but are not
limited to, 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, SSB 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, 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.
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©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3965621 (0620-0A9Z) APP39085-11 (06/20)
00234260
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Schwab Custodial IRA Account Reregistration Application (Charles Schwab)

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Completed 13 May 2021

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