Fill - Free fillable Yield Investor Checking Account Add an Account Holder (Charles Schwab) PDF form

CC3965621 (0620-0A9Z) APP31902-16 (06/20)

Add an Account Holder to Your Schwab One

Brokerage Account and Linked Schwab Bank

High

Yield Investor Checking

Account

Page 1 of 7

Schwab.com

1-800-435-4000

(inside the U.S.)

+1-415-667-8400

(outside the U.S.)

1-888-686-6916

(multilingual services)

• Use this form to add an account holder to an existing Schwab One brokerage account that is linked to a Schwab Bank

High Yield Investor Checking (“Investor Checking”) account.

• Any additional account holder must be a U.S. citizen or U.S. resident alien; must reside in the U.S. or one of its

territories, excluding Guam; and must have a U.S. mailing address.

• Additional forms may be required if this account is approved for options trading or if you have authorized Power of

Attorney or designated a beneficiary(ies) through Schwab’s Designated Beneficiary Plan. For more information about

these requirements, contact us.

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

transparency.

Select the Type of Account Ownership

Choose the account

ownership for your Schwab

One account. State laws vary,

and it is your responsibility to

determine if the account

ownership you select is

available in your state.

Joint Tenants With Right of Survivorship (JTWROS)

Your share of the account will pass to a surviving owner in the event of your death.

Tenants in Common

Your share of the account will pass to your estate in the event of your death.

Community Property

Each spouse has a one-half interest in the account assets and equal responsibility for account activity.

Tell Us About Yourself (the Primary Account Holder)

Your eight-digit account

number will remain the same.

Schwab One Brokerage Account Number

Name Title, First Middle Name Last Name, Suffix

Daytime Telephone Number Extension

Tell Us About the Additional Account Holder

As required by federal law,

Schwab and Schwab Bank will

use the information provided

to verify the identity of all

account holders. Read about

Schwab's privacy policy at

schwab.com/privacy.

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

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

Charles Schwab & Co., Inc. (“Schwab”) and Charles Schwab Bank (“Schwab Bank”) are separate but affiliated companies

and subsidiaries of The Charles Schwab Corporation. Brokerage products are offered by Charles Schwab & Co., Inc.,

Member SIPC. Deposit and lending products and services are offered by Charles Schwab Bank, Member FDIC and an

Equal Housing Lender.

CLEAR

CC3965621 (0620-0A9Z) APP31902-16 (06/20)

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Add an Account Holder to Your Schwab One

Brokerage Account and Linked Schwab Bank High Yield Investor Checking

Account

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 and Schwab Bank.

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

Schwab Bank does not consider marital status when processing Investor Checking account applications.

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

CC3965621 (0620-0A9Z) APP31902-16 (06/20)

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Add an Account Holder to Your Schwab One

Brokerage Account and Linked Schwab Bank High Yield Investor Checking

Account

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, as Schwab is

required by industry

regulations to determine if you

or someone in your household

is associated with a financial

services company such as a

broker-dealer.

Is the additional account holder 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.

Is the additional account holder 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

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

CC3965621 (0620-0A9Z) APP31902-16 (06/20)

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Add an Account Holder to Your Schwab One

Brokerage Account and Linked Schwab Bank High Yield Investor Checking

Account

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.

CC3965621 (0620-0A9Z) APP31902-16 (06/20)

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Add an Account Holder to Your Schwab One

Brokerage Account and Linked Schwab Bank High Yield Investor Checking

Account

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.

Sign the Schwab One Brokerage Account Authorization

Please read and sign below. By signing this Application, you acknowledge that you have received and read a copy of 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, inclu

ding the Schwab One Account Agreement and the

Charles Schwab Pricing Guide, each as amended from time to time (the "Agreement and Disclosures"). You understand

there are fees associated with establishing, maintaining, engaging in transactions and transferring assets out of this

account. Unless you have declined the margin feature, you acknowledge that securities securing loans from Schwab may

be lent

to Schwab and lent by Schwab to others. You also acknowledge that if you trade on margin, you are borrowing

money from Schwab and that you understand the requirements and risks associated with margin borrowing as

summarized in the Margin Disclosure Statement included with this Application.

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

ured by

the Federal Deposit Insurance Corporation ("FDIC"); (ii) are not deposits or other obligations of Charles Schwab and are

not guaranteed by Schwab Bank; and (iii) are subject to investment risks, including possible loss of the principal invested.

For purposes of this Account Application and the attached Application Agreement, the terms "you," "your" and "account

holder" refer to each person who

signs this Account Application. The terms "we," "us," "our" and "Schwab" refer to Charles

Schwab & Co., Inc. The term "Schwab Bank" refers to Charles Schwab Bank.

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 14,

pages 2–3, of the Application Agreement.

By signing below, we agree to the terms above. We understand that the IRS does not require our consent to any

provision of this document other than the certification required to avoid backup withholding.

Today’s Date mm/dd/yyyy

signer1_DocuSignFullName

Print Name

signer1_SignHere signer1_DateSigned

Today’s Date mm/dd/yyyy

signer1_DocuSignFullName

Print Name

signer1_SignHere signer1_DateSigned

The primary and additional

account holders must sign

and date using blue or black

ink.

Account Holder Signature

Additional Account Holder Signature

CC3965621 (0620-0A9Z) APP31902-16 (06/20)

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Add an Account Holder to Your Schwab One

Brokerage Account and Linked Schwab Bank High Yield Investor Checking

Account

The options below apply only to the Schwab Bank account.

Choose Features for the Additional Account Holder on the Investor Checking Account

After the additional account holder has been approved, we will mail a Schwab Bank Visa

Platinum Debit Card to the

new account holder. Once the account has been funded, we’ll activate Schwab Bank Bill Pay

™

and send checks if

requested below.

Schwab Bank Bill Pay

The Bill Pay feature will be

added for the additional

account holder unless you

check this box.

The Bill Pay feature is provided at no additional charge.

I do not want the Bill Pay feature.

Schwab Bank Checks

Check this box and fill in the

information at right if you’d

like your checks to be printed

with the names of both

account holders.

Please send new Investor Checking account checks listing both the primary and additional account holders’ names.

Primary Account Holder Name Title, First Middle Name Last Name, Suffix

Additional Account Holder Name Title, First Middle Name Last Name, Suffix

Schwab Bank Visa Platinum Debit Card

Note: After the account is opened, Schwab Bank will send a Visa Platinum Debit Card to the additional account holder at

his or her address.

Review and Sign the High Yield Investor Checking Account Terms

Please read these

terms and then sign

on the following page.

Make a copy of this page

for your records.

These account terms are an agreement between Charles Schwab Bank (the “Bank”) and each account holder for a High

Yield Investor Checking account. “I,” “me,” and “my” refer to each account holder. All account holders are required to sign

on the next page.

By signing on the next page, I:

1. Certify that I am of the age of majority in the state in which I live, that I am legally authorized to enter into this

agreement, and that the personal information provided in this Application, and during the application process, is true

and correct;

2. Acknowledge that the Bank will provide me with the following documents before account opening or before a service

is provided, and agree that my use of my account will be governed by the terms and conditions of these documents:

(a) the Schwab Bank Deposit Account Agreement, which contains an arbitration provision and the terms and

conditions for the Schwab Bank Bill Pay service; (b) Schwab’s privacy document, Facts: What Does the Charles

Schwab Corporation Do With Your Personal Information?; (c) Important Privacy Choice for Consumers, for California

residents only; and (d) the Schwab Bank Deposit Account Pricing Guide;

3. Acknowledge that if the Application is approved, each account holder will receive a Visa debit card and the Visa Debit

Card Agreement once the account is opened, which contains the terms and conditions that apply to this card;

4. Acknowledge that, unless I specifically stated otherwise in this Application, I will be enrolled in the Schwab Bank Bill

Pay service;

5. Agree to be subject to the terms and conditions of all documents associated with my High Yield Investor Checking

account upon account opening, and acknowledge that the Bank advises me to read all the disclosure documents prior

to opening or using my account;

6. Acknowledge that my Investor Checking account is linked with my Schwab One brokerage account maintained at

Charles Schwab & Co., Inc., a registered broker-dealer, and I authorize Charles Schwab & Co., Inc. to follow the

instructions set forth in this Application, if applicable;

7. Authorize the Bank to inquire from any source, including a consumer reporting agency, regarding my identity (as

required by federal law), creditworthiness, ongoing eligibility for the account, and other information at account

opening, at any time throughout the life of the account, and thereafter for debt collection or investigative purposes;

8. Understand 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; and

9. Understand (a) that securities products purchased in a transaction with Charles Schwab & Co., Inc. (i) are not insured

by the Federal Deposit Insurance Corporation (FDIC), (ii) are not deposits or other obligations of Schwab Bank and

are not guaranteed by Schwab Bank, and (iii) are subject to investment risks, including possible loss of the principal

invested; and (b) that funds deposited in my High Yield Investor Checking account are insured by the FDIC up to the

CC3965621 (0620-0A9Z) APP31902-16 (06/20)

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Add an Account Holder to Your Schwab One

Brokerage Account and Linked Schwab Bank High Yield Investor Checking

Account

maximum deposit insurance amount

To add an Additional Account Holder to a High Yield Investor Checking account offered by Schwab Bank, please sign

and date below in blue or black ink only. The Internal Revenue Service does not require your consent to any provision

of this document other than the certification required to avoid backup withholding.

I certify under penalty of perjury that:

1. The additional account holder’s number shown on this Application is my correct Taxpayer Identification Number;

2. I am not subject to back-up withholding because: (a) I am exempt from backup withholding, (b) I have not been

notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to

report all interest and dividends, or (c) the IRS has notified me that I am no longer subject to back-up withholding;

and

3. I am a U.S. person (a U.S. citizen or U.S. resident alien).

(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 strike or cross out the information contained in item 2 above.)

Today’s Date mm/dd/yyyy

signer1_DocuSignFullName

Print Name

signer1_SignHere signer1_DateSigned

Today’s Date mm/dd/yyyy

signer1_DocuSignFullName

Print Name

signer1_SignHere signer1_DateSigned

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

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

Charles Schwab & Co., Inc. (“Schwab”) and Charles Schwab Bank (“Schwab Bank”) are separate but affiliated companies

and subsidiaries of The Charles Schwab Corporation. Brokerage products are offered by Charles Schwab & Co., Inc.,

Member SIPC. Deposit and lending products and services are offered by Charles Schwab Bank, Member FDIC and an

Equal Housing Lender.

All Schwab Bank account

holders must sign and date

using blue or black ink.

Account Holder Signature

Additional Account Holder Signature

This page is intentionally blank.

CC3965621 (0620-0A9Z) APP31902-16 (06/20)

Add an Account Holder to Your Schwab

One

Brokerage Account and Linked Schwab

Bank High Yield Investor Checking

Account

Application Agreement

Page 1 of 4

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 files.

• You do not need to return this agreement to Schwab.

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 Schwab One

Account Agreement, which incorporates the

Charles Schwab Pricing Guide and a number of

other important disclosures. The Schwab One

Account Agreement is provided with this

Application or at the opening of your Account.

You agree to contact Schwab if you do not

receive the Schwab One Account Agreement.

In addition, you may in the future receive from

Schwab supplemental terms or disclosures

that pertain to certain account types, service

features and benefit packages. These

supplemental terms and disclosures, this

Application Agreement and the Schwab One

Account Agreement are collectively referred to

as the “Agreement and Disclosures.” You agree

to read the Agreement and Disclosures

carefully and retain copies for your records.

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) no one except the

Account Holders listed on the Account

Application (and if community property is held,

the Account Holders’ spouses) has an interest

in the Account; (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 (“FINRA”), 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. If you

maintain more than one account at Schwab,

you authorize Schwab to transfer assets

between your accounts when no written

authorization is requested.

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 profits 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: Granting a Lien on Your Accounts.

As security for the repayment of all present or

future indebtedness owed to us by each

Account Holder, each Account Holder grants to

us a first, perfected and prior lien, a continuing

security interest, and right of setoff with

respect to, all property that is, now or in the

future, held, carried or maintained for any

purpose in or through Schwab, and, to the

extent of such Account Holder’s interest in or

through, any present or future account with us

or our affiliates in which the Account Holder

has an interest. In the event of a breach or

default by you under this Agreement, Schwab

will have the rights and remedies available to a

secured creditor under all applicable laws in

addition to the rights and remedies provided in

this Agreement.

If you owe money to Schwab as the result of

activity in your Account and there are assets

available in any non-retirement brokerage

account that you hold at Schwab which could

fully or partially satisfy the debt, you agree that

upon Schwab’s written demand, you will

execute all documents necessary to effect a

transfer from your non-retirement brokerage

account and agree to pay or cause such funds

to be paid immediately to Schwab in order to

satisfy your indebtedness to Schwab.

Section 8: Liquidations.

Whenever it is necessary for our protection or

to satisfy a margin deficiency, debit or other

obligation owed us, we may (but are not

required to) sell, assign and deliver all or any

part of the property securing your obligations,

or close any or all transactions in your Account.

We may choose which property to buy or sell,

which transactions to close, and the sequence

and timing of liquidation. We may take such

CC3965621 (0620-0A9Z) APP31902-16 (06/20)

Page 2 of 4

Add an Account Holder Application Agreement - Client Copy

actions on whatever exchange or market and in

whatever manner (including public auction or

private sale) that we choose in the exercise of

our business judgment. You agree not to hold

us liable for the choice of which property to buy

or sell or of which transactions to close or for

timing or manner of liquidation.

In certain circumstances we may, at our sole

discretion, liquidate your entire margin loan

balance to satisfy a margin call. You agree not

to hold us liable for taking such action.

We may transfer property from any non-

retirement brokerage account in which you

have an interest to any other brokerage

accounts in which you have an interest

regardless of whether there are other account

holders on either account, if we determine that

your obligations are not adequately secured or

to satisfy a margin deficiency or other

obligation. You agree to pay on demand any

account deficiencies after liquidation, whether

liquidation is complete or partial.

All of the above may be done without demand

for margin or notice of purchase, sale, transfer

or cancellation to you. No demand for margin

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 9: Interest on Debit Balances.

We will charge and compound interest on your

debit balances (whether in a Margin or Cash

Account) according to our Disclosure of Credit

Terms and Policies.

Section 10: Borrowing Money and Using

Margin.

All margin transactions are subject to our

Disclosure of Credit Terms and Policies and our

Margin Disclosure Statement. You agree not to

enter an order for a margin transaction until

you have read and understood the Disclosure

of Credit Terms and Policies and the Overview

and Disclosure Statement.

Section 11: Loan Consent.

You agree that property held in your Margin

Account, now or in the future, may be borrowed

(either separately or together with the property

of others) by us (acting as principal) or by

others. You agree that Schwab can receive and

retain certain benefits (including, but not

limited to, interest on collateral posted for such

loans) to which you will not be entitled. You

acknowledge that, in certain circumstances,

such borrowings could limit your ability to

exercise voting rights or receive dividends, in

whole or in part, with respect to the property

lent. You understand that for property that is

lent by Schwab, the dividends paid on such

property will go to the borrower. No

compensation or other reimbursements will be

due to you in connection with such borrowings.

However, if you are allocated a substitute

payment in lieu of dividends, you understand

that such a payment may not be entitled to the

same tax treatment as may have been applied

to the receipt of a dividend. You agree that

Schwab is not required to compensate you for

any differential tax treatment between

dividends and payments in lieu of dividends.

Schwab may allocate payments in lieu of

dividends by any mechanism permitted by law,

including by using a lottery allocation system.

Section 12: Linking Your Account to a High

Yield Investor Checking Account at Schwab

Bank.

If you link your Account to a High Yield Investor

Checking account held at Schwab Bank, you

authorize Schwab to accept and follow

instructions received from Schwab Bank to

transfer funds from your Account to your High

Yield Investor Checking account as set forth in

your Schwab Bank High Yield Investor

Checking

Account Application and Schwab

Bank Deposit Account Agreement. The

provisions of the Agreements and Disclosures

relating to checks and debit cards will not

apply to the services received from Schwab

Bank.

You authorize Schwab to act as your agent in

processing those instructions from Schwab

Bank. You understand and agree that Schwab

has sole discretion to accept or deny, in whole

or in part, any such instruction. You also agree

that Schwab is not responsible for any errors in

calculation or damages resulting from errors in

calculations or delays in transfers. In no event

will Schwab be liable for any special, indirect

or consequential damages, even if we have

been informed of the possibility of such

damages.

You authorize Schwab to act upon your

requests for Real-Time Funds Transfers (as

defined in the Schwab Bank Deposit Account

Agreement) from Schwab Bank. The maximum

amount you may transfer will be calculated in

the same way that Schwab calculates the

Authorization Limit for brokerage checkwriting

privileges as set forth in the Schwab One

Account Agreement. By requesting a Real-Time

Funds Transfer, you understand that you may

create a margin loan in your brokerage account

that may be subject to daily interest charges.

In order for transfers to occur, both your High

Yield Investor Checking account and your

Schwab One brokerage account must be open

and active and linked with each other. Target

Balance Transfers will be limited to your

Authorization Limit (as described in the Schwab

One Account Agreement), excluding your

Available Margin Loan Value (as defined in the

Schwab One Account Agreement). Overdraft

Transfers will be limited to your Authorization

Limit.

If you have a debit balance in your Account,

Target Balance Transfers will not be made to

your High Yield Investor Checking account.

Pending securities trades (including the

Automatic Investment Plan [AIP]), pending

debits to your Account, and pending transfers

of funds from your Account may not be

considered in determining whether funds are

available for transfer from your Account to your

High Yield Investor Checking account at

Schwab Bank.

Further, transfers of funds from your Account

are subject to Schwab’s minimum deposit

requirements. You and your Account may not

have any restrictions preventing Schwab from

using funds in your Account to satisfy a transfer

instruction from Schwab Bank. If your Account

becomes subject to a restriction, your eligibility

for this feature may be revoked and you

understand that Schwab Bank may close your

High Yield Investor Checking account.

Transfers to Schwab Bank may result in debits

in your Account. You acknowledge that you are

responsible for all debits (and interest on

debits) in your Account, as described in further

detail in the Agreement and Disclosures. Your

account remains an obligation solely of

Schwab. Likewise, your High Yield Investor

Checking account remains an obligation solely

of Schwab Bank.

Section 13: Verification.

You authorize Schwab to inquire from any

source, including a consumer reporting agency,

as to your identity (as required by federal law),

creditworthiness and ongoing eligibility for the

Account (and that of your spouse, if you live in

a community property state) at account

opening, at any time throughout the life of the

Account, and thereafter for debt collection or

investigative purposes

Section 14: 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

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Add an Account Holder Application Agreement - Client Copy

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 15: 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 16: 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.

Section 17: 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 18: 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 19: 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 20: 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

CC3965621 (0620-0A9Z) APP31902-16 (06/20)

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Add an Account Holder Application Agreement - Client Copy

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

Margin Disclosure Statement

Client Copy

www.schwab.com | 1-800-435-4000 (inside the U.S.) international.schwab.com

| +1-415-667-8400 (outside the U.S.)

• This is important information regarding margin borrowing, if you have requested the margin feature on your brokerage account.

• Please retain this document for your files.

• When using margin, please keep these important rules and conditions in mind.

• A complete list of terms and conditions pertaining to margin trading and short selling, including credit terms and policies, can be

found in the Account Agreement. The Account Agreement will be provided to you after account opening or you can access it at any

time on our website or by calling us. Please read this important document before opening a margin account.

• For questions regarding margin borrowing, please contact us at the numbers listed above. For clients of independent investment

advisors, please call your advisor directly or call Schwab Alliance at 1-800-515-2157.

When considering a margin loan, you should determine how the use of

margin fits your own investment philosophy. It is important that you fully

understand the risks, rules, and requirements involved in trading

securities on margin.

The following paragraphs highlight some of the critical aspects of margin

trading:

Margin trading increases your level of market risk.

Margin trading increases your buying power, allowing you to purchase a

greater amount of securities with your investing dollar. Therefore, your

exposure to market volatility increases—a declining market could result in

even greater losses. A decline in the value of your securities that you

purchase on margin can require you to provide additional funds to Schwab

in order to avoid the forced sale of those securities or other securities in

your account.

Your downside is not limited to the collateral value in your margin

account.

When you buy securities on margin, you are borrowing money from

Schwab for part of your transactions. Securities and other assets in your

Schwab account(s) are pledged as collateral to secure this loan. These

margin transactions are riskier and involve the possibility of greater loss

than transactions where you are not borrowing money. If the securities in

your account decline in value, so does the value of the collateral

supporting your loan. When the value of the collateral falls below the

maintenance margin requirements, or Schwab’s higher “house”

requirements, Schwab can move to protect its position. In order to cover

margin deficiencies, Schwab may issue you a margin call—a request for

additional cash—or sell securities from your account. If a sale does not

cover the deficiency, you will be responsible for any shortfall.

Schwab may initiate the sale of any securities in your account, without

contacting you, to meet a margin call.

Schwab will attempt to involve you in the case of margin deficiency;

however, market conditions can require the firm to quickly sell any of your

securities without your consent. Because the securities are collateral for

the margin loan, Schwab has the right to decide which security to sell in

order to protect its interests. Even if Schwab has contacted you and

provided a specific date by which you can meet a margin call, the firm can

still take necessary steps to protect its financial interests, including

immediately selling the securities without prior notice to you.

Schwab’s “house” initial and maintenance margin requirements may

exceed those established by the Federal Reserve Board and/or the

Financial Industry Regulatory Authority, Inc. Please call Schwab for current

margin requirements.

Schwab retains the right to change its initial margin requirements at any

time and without prior notice.

We may also impose anytime and without prior notice more stringent

requirements on positions that in our sole discretion involve higher levels of

risk; for example, higher limits may apply for thinly traded, speculative or

volatile securities, or concentrated positions of securities.

Schwab may increase its “house” maintenance margin requirements at

any time and is not required to provide you with advance written notice.

Changes in Schwab’s policy regarding “house” maintenance margin

requirements often take effect immediately and can result in the issuance

of a maintenance margin call. Your failure to satisfy the call may cause

Schwab to liquidate or sell securities in your account.

Schwab retains absolute discretion to determine whether, when and in

what amounts we will require additional collateral. For example, we can

require additional collateral if an account contains only one security or a

large concentration of one or more securities; or low-priced, thinly traded or

volatile securities; or if some of your collateral is or becomes restricted or

non-negotiable or non-marginable. We may also consider market

conditions, your financial resources, or other factors deemed by us to be

relevant given the circumstances at the time.

You are not entitled to an extension of time on a margin call.

While an extension of time to meet margin requirements might be available

to customers under certain conditions, a customer does not have a right to

the extension.

Some accounts that carry a margin loan balance and hold dividend-paying

securities may receive a “substitute income payment in lieu of a

dividend” (PIL). This payment may be taxable as ordinary income. Taxable

accounts that receive a PIL instead of a qualified dividend may also receive

a supplemental credit from Schwab. This will be identified on customer

statements as a “Schwab substitute income credit.” However, when

Schwab can identify that a dividend is nonqualified, we will not credit your

account with this additional payment.

• This credit is NOT “payment in lieu,” and is unrelated to any payment from

either the security issuer or the borrower.

• It is a discretionary credit from Schwab which may be discontinued in the

future with or without notice.*

• It may be subject to tax at your ordinary income tax rate. Please consult

your tax advisor about your specific tax situation.

• Because individual tax situations differ, Schwab cannot precisely calculate

the additional tax costs a client might incur. Therefore, we do not intend,

nor should clients expect, for this payment to be an exact reimbursement

of any excess tax cost.

*Please refer to the “Loan Consent” section of your Account Agreement

which states that no compensation is due in connection with such loans

and that Schwab “is not required to compensate you for any differential tax

treatment between dividends and payments in lieu of dividends.”

Independent investment advisors are not owned by, affiliated with, or supervised by Charles Schwab & Co., Inc. (“Schwab”).

CC3965621 (0620-0A9Z) APP31902-16 (06/20)

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