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You will be responsible for all orders entered through and under your access number(s), password(s) and account number(s), and any orders so received by Schwab will be deemed to have been received from you. You may opt out of future emails about products or services by following instructions in our privacy policy, on our website, or contained in an email that you receive from us. You agree and acknowledge that when you use the Electronic Services, you, or you and an Investment Advisor other than Schwab, if you have one, are responsible for determining the nature, potential value of any particular investment strategy, transaction (including futures transactions) or security (including equities and options). Alternatively, you authorize us, at our discretion, to charge such fees to a credit card account number that you have provided to us for this purpose. Each joint account holder has authority, acting individually and without notice to any other account holder, to deal with us as fully and completely as if the account holder is the sole account holder. You understand that these values displayed on your Schwab account statements are provided for your convenience only, may have been reported as long as 18 months prior to statement preparation, and should not be relied upon as any indication of market value. Charles Schwab is a discount broker with service, education, trading tools and research that put it in the top tier of investment firms. Schwab is also not responsible for any damage to your computer, software, modem, telephone, wireless device or other property resulting in any way from your use of Schwab's Electronic Services. Fractional Shares present unique risks and have certain limitations. You acknowledge that Schwab will be relying on your investigation into these matters in considering your request to hold a Non-Publicly Traded Security in your Account. A few records may be earlier or later. Schwab processes your requests to change or cancel an order on a best-efforts basis only and will not be liable to you if Schwab is unable to change or cancel your order. If, however, Schwab does not normally custody or effect transactions in a security paid to you by your mutual fund, Schwab will take such action as it deems appropriate to effect delivery of such non-standard security to you or to an entity able to custody or effect transactions in the security. Charles Schwab is chairman and founder of the brokerage firm that bears his name. Giving Back | About Schwab Brokerage products and services are offered by Charles Schwab & Co., Inc., Member SIPC. You agree that neither Schwab, the Information Providers nor the Information Transmitters shall be liable in any way for the accuracy, completeness, timeliness or correct sequencing of the Information, or for any decision made or action taken by you relying upon the Information. We encourage you to place all orders using the services. If Schwab reports a value received from an issuer on your Schwab statement, the value may not match what is provided to you by the issuers of the Non-Publicly Traded Security due to the timing of issuer statements and Schwab's statement production schedule. The equity level in your account falls below required minimums; Sufficient funds or securities are not deposited to pay for transactions in the account; A petition of bankruptcy or for the appointment of a receiver is filed by or against you; An attachment is levied against any of your brokerage accounts with us; You die or become incapacitated or incompetent; or. We will give you as much advance notice of the action to be taken (or not to be taken, as applicable) as is practicable under the circumstances. To the extent applicable to your account, the unclaimed property law requires us to turn over to the state of your last known address (as shown in our records) personal property which is unclaimed by its owner for a set period of time. The Account Agreement is binding upon your and our heirs, executors, administrators, successors and assigns, and it will benefit your and our successors and assigns, if any. 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). The Securities Investor Protection Corporation (SIPC) provides up to $500,000 of protection in Accounts you hold in a separate Account capacity (for instance, as custodian, joint tenant or sole owner), with a limit of $250,000 for claims in cash balances. Certain securities and other assets now or hereafter held in your Margin and Short Account may be pledged, repledged, or otherwise used. If we are uncertain regarding the legality of any transaction, we may refuse the transaction or freeze the amount in question while we investigate the matter. You further agree that we may determine, in our sole discretion, that a written order needs further clarification. You understand and acknowledge that, in cases where the annual federal tax due is more than $500, the IRS requires that quarterly estimated tax payments be made. Also, your payment order may be delayed while we check to ensure that sending it to the designated recipient does not violate applicable laws or regulations. We may treat such fees as a debit to your Schwab Account and deduct the amount of these fees from any credit balance in your account. You agree to pay or receive the prevailing market price at the time your market order was executed, even if the execution market price is significantly higher or lower than you anticipated at the time you placed the order. Deposit and lending products and services are offered by Charles Schwab Bank, SSB, Member FDIC and an Equal Housing Lender. Any orders communicated to us through these means will be considered to have been sent and authorized by you. Other fees and charges can also apply, as set forth in a separate agreement you will enter into and that will become part of this Account Agreement; While Schwab may make available its own proprietary research, or other information, this does not constitute an individualized recommendation that a security or transaction is appropriate for you or your account. Schwab is not obligated to notify you of any upcoming expiration or redemption dates or to take any other action on your behalf without specific instructions from you. In consideration for our accepting these Non-Publicly Traded Securities into your Account from time to time, and subject to such additional terms as may be presented to you at the time of the request, you agree that Schwab's sole obligation with respect to such Non-Publicly Traded Securities will be to (1)obtain and maintain possession or control of such securities in a manner as required by the Securities and Exchange Commission and (2)file and provide reports and information as may be required under the Internal Revenue Code, and regulations thereunder of the Internal Revenue Service. If we hold for you bonds or preferred stock in street name or bearer form that are callable in part, you agree to participate in an impartial lottery allocation system of the called securities, according to the rules of the Financial Industry Regulatory Authority. It is our policy to attempt to contact you, when practicable, before taking any action described in this section. We can transfer Securities and Other Property from any non-retirement brokerage account in which you have an interest to any other non-retirement brokerage account in which you have an interest, regardless of whether there are other account holders on either account, in order to satisfy deficiencies in any such account or if we think your obligations in any such account are not adequately secured. Only one security or a large concentration of one or more securities; or, Low-priced, thinly traded or volatile securities; or if. If you place an order to buy or sell a specific number of shares of a fund, Schwab will calculate the dollar amount of the purchase or sale by multiplying the number of shares by the price and rounding to the nearest two decimal places. Alternatively, you may call1-877-870-7317to request a paper copy of the most current margin rate table. Please note that the use of a 360-day year results in a higher effective rate of interest than if a year of 365 days were used. Schwab is not responsible for identifying accounts that are eligible to be linked for purposes of determining the Accounts of Your Household. Assets awaiting investment or deposit include: (1)amounts deposited by you into your Account; and (2)any other uninvested assets held by your Account caused by an authorized instruction to Schwab to purchase or sell securities (which may, after the period described below, automatically be swept into a SchwabSweep Money Fund or deposited into a Sweep Bank). Attempting to cancel and replace or change a market order through the Electronic Services can result in the execution of duplicate orders, which ultimately are your responsibility. With the exception of applications commonly known as web browser software, or other applications formally approved by Schwab in writing, you agree not to use any software, program, application or any other device to access or log on to Schwab's computer systems, website or proprietary software or to automate the process of obtaining, downloading, transferring or transmitting any content, information or quotes to or from Schwab's computer systems, website or proprietary software. No minimum balance or monthly account service fees Easy transfers to your other Schwab bank and brokerage accounts 2 FDIC-insured up to $250,000 per depositor 3 Previously, Christopher was a Technical Client Serv ice Specialist at Charles Schwab and also held positions at Skyline Technology Solutions. Schwab will notify you in writing prior to such change. When Schwab receives a request for a distribution from your Account, Schwab generally processes the request within two or three Business Days (unless the distribution is in connection with an unusual event such as death or divorce, in which case it generally will take longer to process the request). Risk of Wider Spreads. Usage will be monitored. c***@celonis.com. This section does not apply to ACH funds transfer services or Schwab MoneyLinkservices, which are subject to separate terms and conditions. Investment decisions you make involving extended hours trading are your responsibility. It has over 400 branches, primarily in financial centers in the United States . The firm was rated #1 in the categories "Platforms & Tools" (11 years in a row), "Desktop Trading Platform . Schwab from time to time will inform you of terms and conditions for accessing or using products or services Schwab offers, including, but not limited to, accessing our website and participation in an after-hours trading session. We will charge interest on your debit balance according to our Disclosure of Credit Terms and Policies. 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. For instance, if you have a short position in a security that is subject to a tender offer and you are unable to cover the position in time for us to deliver the security to its lender, we can hold you responsible for the economic value of the tender offer. Schwab's services that provide the means to place trades electronically should not be construed as an endorsement or promotion of Day Trading. You also agree to pay all federal, state and local taxes resulting from your use or receipt of the Research Reports. If we need more time, we may take up to 90 days to investigate. We may assign our rights and obligations under the Account Agreement, or may assign any loans that we have made to you (including the security interests securing such loans), to any subsidiary, affiliate or successor by merger or consolidation without notice to you, or to any other entity after 30 days' written notice to you. Fail to receive a message that an order you initiated through the services has been received or executed. This Agreement may be modified by Schwab upon written notice to you, provided, however, that if Schwab sends you written notice, via electronic communication or otherwise, of a modification, you confirm your acceptance of the modification by not closing and/or by continuing to use your account. Charles Schwab leaves U.S. Chamber of Commerce - CNBC Unless you make other arrangements with your local Schwab office, we may use available funds in your Schwab Account to settle a transaction. If there is a restriction on your account(s) at Schwab, your use of the Electronic Services' trading functions will be so restricted with respect to such account(s). Get the latest Charles Schwab Corporation Common Stock (SCHW) real-time quote, historical performance, charts, and other financial information to help you make more informed trading and investment . Lower liquidity and higher volatility in extended hours trading may result in wider than normal spreads for a particular security. Schwab may execute fixed income orders for customers as agent or as principal for our own account. If after your account is closed for any reason, securities or other property from any source are credited to your account, you authorize us to mail to you either certificates for nonfund securities or a check reflecting the cash balance in your account, or both. We may require an equity deposit or a full payment before we accept your order. Account protection is not provided for the accounts of banks or broker-dealers maintained for their own account. Attempting to replace or change a market order through the Electronic Services can result in the execution of duplicate orders, which ultimately are your responsibility. On prior or concurrent written notice to you, we may modify or rescind existing provisions or add new provisions. It is your responsibility to verify with us whether your order will receive the price next calculated by the fund prior to placing your order with Schwab. You agree that we are not liable for any damages or market fluctuations resulting from an error you fail to timely report to us or to your delay in reporting an error to us. If you initiate a wire transfer that is subject to Regulation E primarily for personal, family, or household purposes to a recipient in a foreign country (a "consumer foreign wire transfer"), we will provide you with a disclosure of the details of the transaction, as well as information about your error resolution and cancellation rights. Plan ahead and simplify. You will be entitled to receive dividend payments proportionate to your partial share holdings. If we are unable to obtain shares to lend to you, you will not be permitted to transfer the short position to your Schwab Account. You acknowledge that Schwab's obligations are limited to maintaining possession or control and may not include facilitation of transfers, sales, withdrawals, or any other activity related to the Non-Publicly Traded Securities. Short sale proceeds are part of the collateral securing our loan of the security to you, and you may not withdraw these proceeds from your account. Combined communications for accounts that have more than one account holder may be addressed solely to the first-listed account holder or to the account holder who has his or her tax identification number serve as the tax reporting identification number on the account (usually the first-listed account holder). What does "This account is restricted to orders that close out existing Any such review should never be considered a recommendation to buy, sell, or hold the security. Get Lance Park's email address (i*****@hotmail.com) and phone number (415-516-..) at RocketReach. You represent that during the course of your evaluation of the Non-Publicly Traded Securities, you have determined such valuations will be accurate and reliable. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days (or 20 Business Days if applicable), we may not credit your account. You acknowledge that you bear the entire risk and agree to accept full responsibility for the orders you place. A short position held overnight and purchased the next day, prior to any new sale of the same security. But we will not be liable to you if, for any reason, a payment order is not amended or canceled. Account Access by Phone | Contact Us | Charles Schwab In other words, accounts that have elected to have their dividends reinvested on the affected security will be credited optional dividends with additional shares, while accounts that have elected to receive their dividends in cash will be paid optional dividends in cash. We may select any intermediary bank, funds transfer system, or means of transmittal to send your payment orders. You authorize us to place a temporary hold on disbursements of funds or securities from your account or, in some cases, a temporary hold on transactions if Schwab reasonably believes financial exploitation has been attempted or has occurred in your account or in other circumstances we believe are necessary for your protection. Risk of News Announcements. We reserve the right to charge interest on debit balances in the Cash Account. We reserve the right to redeposit any checks that are returned unpaid the first time due to insufficient funds, or any other reason, with or without prior customer notification. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. For that type of assistance, you agree to consult your own tax or legal advisor. Schwab does not endorse or approve Research Reports prepared by Third-Party Research Providers and only makes such Research Reports available to you as a service and convenience. Margin maintenance requirements are set: Margin maintenance requirements may change without prior notice. You further authorize Schwab to obtain copies of your consumer and credit reports at its discretion, at any time, for reasons including, but not limited to, the following: We may deny your application to open an account or may decline to offer you certain services available under the Account Agreement in our sole discretion for any reason.

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