CLEAR PRINT

Open a Schwab IRA Page 1 of 9

Schwab.com 1-800-435-4000 (inside the U.S.) +1-415-667-8400 (outside the U.S.) 1-888-686-6916 (multilingual services)

Welcome to Charles Schwab.

• Use this form to open an IRA, a SEP-IRA, or a SIMPLE IRA.
• If you are opening an IRA, return the form to Schwab. If you are opening a SEP- or SIMPLE IRA, return the form to your employer.
• For details about small business retirement plans such as SIMPLE (Savings Incentive Match Plan for Employees) IRAs and SEP- (Simplified
Employee Pension) IRAs, go to www.schwab.com.
• SEP- and SIMPLE IRA employers: Attach your Adoption Agreement or IRS Form 5305-SEP and your Employer's Agreement with Schwab and return
them to Schwab along with this application. The Schwab employer agreement is required prior to opening the account.
• For important disclosures about our relationship with you and the services we can provide, please visit www.schwab.com/transparency.

1. Select the Type of Account

Please select only one box.
If you are self-employed and establishing a SEP- or SIMPLE IRA, check the employer box.
IRA SEP-IRA SIMPLE IRA
Traditional IRA Schwab SEP-IRA I am the employer
Roth Contributory IRA I am the employer I am an employee
✔ Rollover IRA I am an employee
Employer's Group ID Number

IRS 5305-SEP
I am the employer
I am an employee

2. Account Holder Information

We respect your privacy and will only use the information you provide to open and service your account(s), communicate with you, and provide
information about products and services. Read about Schwab's privacy policy at www.schwab.com/privacy.
Schwab is required by federal law to collect information about all account holders, including Social Security number, mother's maiden name, ID type
and number, and other financial details, to verify their identity.

Account Holder
As required by federal law, Schwab will use the information provided to verify your identity.

MANUEL SAN MARTIN

Name First Middle Last Suffix

054-28-9907 07/14/1936
Social Security/Tax ID Number Date of Birth (mm/dd/yyyy) Preferred Name or Alias (if applicable)

Regulations require that you provide us with your legal address.

4400 HILLCREST DR APT 21819

Home/Legal Street Address (no P.O. boxes)

HOLLYWOOD FLORIDA 33021 UNITED STATES OF AMERICA

City State or Province Zip or Postal Code Country

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36326-29 (12/24)
 Open a Schwab IRA Page 2 of 9

4400 HILLCREST DR APT 21819

Mailing Address (Include mailing address if different from home/legal address. P.O. boxes may be used.)

HOLLYWOOD FLORIDA 33021 UNITED STATES OF AMERICA

City State or Province Zip or Postal Code Country

908-312-1583 954-890-5866
Telephone Number Mobile Number Work Number Extension

manuelsanmartin224@gmail.com Santos
Email Address* Mother's Maiden Name

*By providing your email address, you consent to receiving email from Schwab. Information about opting out of certain email communications is
provided at www.schwab.com/privacy.
Country(ies) of Citizenship Country of Legal Residence (Select only one.)
✔ USA Other: ✔ USA Other:

ID Number and Type (Please select only one box and provide the relevant information below.)
Passport ✔ Driver's License Gov't-Issued ID
S563-540-36-254-0 UNITED STATES OF AMERICA FL 06/23/2022 07/14/2029
Identification Number Country of Issuance State of Issuance (if applicable) Issue Date (mm/dd/yyyy) Expiration Date (mm/dd/yyyy)
Marital Status
✔ Single Married Divorced Widowed Number of Dependents
Securities industry regulations require that we collect the following information.
Employment Information (Please select only one box.)
Employed Self-Employed ✔ Retired Homemaker Student Not Employed
Occupation (If you selected "Employed" or "Self-Employed," please select one option that best describes your occupation.)
Business Owner/Self-Employed Financial Services/Banking Professional ✔ Military Consultant
Executive/Senior Management Information Technology Professional Educator Other (specify):
Medical Professional Other Professional Sales/Marketing
Legal Professional Clerical/Administrative Services U.S. Government Employee (federal/state/local)
Accounting Professional Foreign Government Employee (non-U.S.) Trade/Service (labor/manufacturing/production)

Employer Name/Business Name Business Street Address (no P.O. boxes)

City State or Province Zip or Postal Code Country

The Next Two Questions Are Required by Industry Regulations
Are you or an immediate family member associated 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 or your immediate family member's employer or affiliated broker-dealer approving
the establishment of your Account when submitting this Application. List the company name .)
Are you a director, 10% shareholder, or policy-making officer of a publicly held company?
✔ No Yes (If "Yes," enter company name and trading symbol .)
Financial Information
Securities industry regulations require that we collect this information.
Investment Experience (Please select only one box.)
None Limited ✔ Good Extensive
Annual Income (Please select only one box.)
Under $15,000 $15,000-$24,999 ✔ $25,000-$49,999 $50,000-$99,999 $100,000 or more
$
Specify dollar amount if $100,000 or more.

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36326-29 (12/24)
 Open a Schwab IRA Page 3 of 9

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.

Please select only one box.

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.
Trusted Contact Person 1
If you have no changes to your existing Trusted Contact, please skip this section.

Name First Middle Last 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 Zip or Postal Code Country

Telephone Number Mobile Number Email Address

Trusted Contact Person 2

If you have no changes to your existing Trusted Contact, please skip this section.

Name First Middle Last 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 Zip or Postal Code Country

Telephone Number Mobile Number Email Address

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36326-29 (12/24)
 Open a Schwab IRA Page 4 of 9

*Ifyou 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 www.schwab.com/
accountagreement.
Overall Investment Objective of Account (Check all 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.

3. Review Your Account Features

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 Program Disclosure Statement. You can always find the most up-to-date version of this document at www.schwab.com/
cashfeaturesdisclosure.

The Bank Sweep feature is an available Cash Feature for brokerage accounts of account holders residing in the U.S. Through the Bank Sweep
feature, Schwab automatically makes deposits to and withdrawals from deposit accounts at one or more banks ("Sweep Banks"). Your deposits at
each Sweep Bank are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 (including principal and accrued interest) when
aggregated with all other deposits held by you in the same insurable capacity at that bank. Certain conditions must be satisfied for FDIC insurance
coverage to apply. Your funds may be placed in a Sweep Bank in excess of the FDIC insurance limit. In certain limited circumstances, Schwab may
place your funds in a sweep money market fund. Please see the Cash Features Program Disclosure Statement for additional information and a list of
the banks. Charles Schwab & Co., Inc. is not an FDIC-insured bank and deposit insurance covers the failure of an insured bank.

By signing this Application, you consent to participate in Schwab's Cash Features Program, as described in the Cash Features Program Disclosure
Statement, and you also consent to having the Bank Sweep feature as your designated Cash Feature.

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 changes.
Paperless Document Enrollment
You will receive account statements, trade confirmations, shareholder materials, account agreements and related disclosures, and other regulatory
documents, if available in paperless form, by email. For certain documents, including account statements, you will receive an email notification with
a link to log on to our secure website to access your documents. For complete information, please see Important Information About Your Informed
Consent to Receive Paperless Documents in the Appendix to this application.

To opt for Paperless Documents, simply provide your email address in the "Account Holder Information" section. 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 in the "Account Holder Information" section, have
logged on to www.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

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36326-29 (12/24)
 Open a Schwab IRA Page 5 of 9

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
www.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 www.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.

4. Choose How to Fund Your Account

If you are opening a SEP- or SIMPLE IRA, skip to Section 5.
Check A, B, C, or D.
✔ A. Check. Make payable to Charles Schwab & Co., Inc.
New Contribution. Indicate the year for which you are contributing on the front of the check. If no year is indicated, the contribution will be
credited for the current year.
✔ Rollover. Roll over assets from another IRA or eligible Qualified Retirement Plan that you have withdrawn in the past 60 days.
B. Transfer of Account. Complete and attach a Schwab Transfer Your Account form.
C. Spousal Transfer. Transfer assets from an IRA that was inherited from your spouse.
D. Direct Rollover Conversion. Roll over assets from a Schwab Qualified Retirement Plan (e.g., Schwab Individual 401(k), 403(b)(7), QRP, or
Keogh) to a Schwab Roth IRA.
Complete and attach the appropriate Schwab Qualified Retirement Plan distribution form.

Schwab Qualified Retirement Plan Account Number

5. Designate Your Beneficiary(ies)

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 I do not
designate a Beneficiary, the balance of the account shall be distributed in the listed order of priority to the following named person(s) surviving me:
a) my spouse,
b) my living children (natural or legally adopted) in equal shares; stepchildren are not legally defined as descendants for these purposes,
c) 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.
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 among beneficiaries.
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 www.schwab.com/beneficiaries.
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.

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36326-29 (12/24)
 Open a Schwab IRA Page 6 of 9

Beneficiary 1
Type of Beneficiary
Primary Contingent Portion %

Name First Middle Last Suffix

Trust/Organization/Estate (If Trust, include full Trust name.)

Relationship (Select only one.) Spouse Child Grandchild Parent

Sibling Other Individual Trust Organization Estate

Social Security/Tax ID Number Date of Birth/Trust Date (mm/dd/yyyy)

Mailing Address

City State or Province Zip or Postal Code Country

Telephone Number Email Address

Country(ies) of Citizenship (List each one separated by a comma.) Country of Legal Residence (Select only one.)
USA Other: USA Other:

Beneficiary 2
Type of Beneficiary
Primary Contingent Portion %

Name First Middle Last Suffix

Trust/Organization/Estate (If Trust, include full Trust name.)

Relationship (Select only one.) Spouse Child Grandchild Parent

Sibling Other Individual Trust Organization Estate

Social Security/Tax ID Number Date of Birth/Trust Date (mm/dd/yyyy)

Mailing Address

City State or Province Zip or Postal Code Country

Telephone Number Email Address

Country(ies) of Citizenship (List each one separated by a comma.) Country of Legal Residence (Select only one.)
USA Other: USA Other:

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36326-29 (12/24)
 Open a Schwab IRA Page 7 of 9

Beneficiary 3
Type of Beneficiary
Primary Contingent Portion %

Name First Middle Last Suffix

Trust/Organization/Estate (If Trust, include full Trust name.)

Relationship (Select only one.) Spouse Child Grandchild Parent

Sibling Other Individual Trust Organization Estate

Social Security/Tax ID Number Date of Birth/Trust Date (mm/dd/yyyy)

Mailing Address

City State or Province Zip or Postal Code Country

Telephone Number Email Address

Country(ies) of Citizenship (List each one separated by a comma.) Country of Legal Residence (Select only one.)
USA Other: USA Other:

Beneficiary 4
Type of Beneficiary
Primary Contingent Portion %

Name First Middle Last Suffix

Trust/Organization/Estate (If Trust, include full Trust name.)

Relationship (Select only one.) Spouse Child Grandchild Parent

Sibling Other Individual Trust Organization Estate

Social Security/Tax ID Number Date of Birth/Trust Date (mm/dd/yyyy)

Mailing Address

City State or Province Zip or Postal Code Country

Telephone Number Email Address

Country(ies) of Citizenship (List each one separated by a comma.) Country of Legal Residence (Select only one.)
USA Other: USA Other:

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36326-29 (12/24)
 Open a Schwab IRA Page 8 of 9

6. Enter Your Offer or Referral Code, If Any

This section is optional. If you have an offer or referral code, enter it here.

You may enter up to three codes. Your code(s) may be shorter than the space provided.

Terms and conditions may apply. Any taxes related to an offer are your responsibility. You should consult with your tax or legal advisor regarding any
tax implications and the appropriate tax treatment of an offer. For more information regarding an offer, please call 1-866-469-7017.

Offer/Referral Code 1

Offer/Referral Code 2

Offer/Referral Code 3

7. Sign Your Account Authorization

Please read and sign below.
By signing this Application, you hereby adopt 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 or the SIMPLE Individual Retirement Plan, as applicable.
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. You understand there are fees associated with establishing, maintaining, engaging in transactions in, 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 IRS as a distribution.
You also acknowledge that, while bank deposit products available through Schwab—such as certificates of deposit offered on Schwab CD
OneSource® and deposit products offered by Charles Schwab Bank—are insured by the Federal Deposit Insurance Corporation (FDIC) to the
maximum extent provided by law, the securities products purchased or sold in a transaction with Schwab are not insured by the FDIC; are not
deposits or other obligations of Schwab and are not guaranteed by Schwab Bank; and 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.

I certify, under penalties of perjury, that (1) the number shown on this Application is my correct Taxpayer Identification Number; and (2) I am
not subject to backup withholding due to a failure to report interest and dividend income; and (3) I am a U.S. person (a U.S. citizen or U.S.
resident alien); and (4) the FATCA code entered on this form (if any) indicating that I am exempt from FATCA reporting is correct.
• If you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and
dividends on your tax return, you must check the following box indicating that item (2) above does not apply:
If you are submitting this Application for an account you hold in the U.S., item (4) above does not apply.

The Internal Revenue Service does not require your consent to any The agreement with Schwab contains a predispute arbitration
provision of this document other than the certification required to clause. You acknowledge receipt of the predispute arbitration
avoid backup withholding. clause contained in Section 10 of the Application Agreement.

✘ 01/05/2025
Signature: Account Holder Today's Date (mm/dd/yyyy)

Manuel San Martin

Print Name

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36326-29 (12/24)
 Open a Schwab IRA Page 9 of 9

8. Return Instructions
If you are opening a SEP- or SIMPLE IRA, return the completed form to your employer. If you are opening an IRA, return the completed form in any
one of the following ways:
• Upload online with secure messaging (if you are an existing client and have online access to your account).
1. Go to www.schwab.com and log in to your account.
2. Click the envelope icon to access Message Center, and then click Upload Document.
• Fax to 1-888-526-7252.
• Bring to your nearest Schwab branch (visit www.schwab.com/branch for locations).

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36326-29 (12/24) PRINT
 Schwab IRA Application Agreement Page 1 of 3

Client Copy
• This agreement relates to your IRA 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. Account Application or in writing to us, (i) you from instructions provided to Schwab by you,
Your agreement with Schwab consists of the are not an employee of or affiliated with any your agent or any attorney-in-fact under a power
terms set forth in this Application Agreement securities exchange or member firm of any of attorney or Investment Advisor authorized to
and the terms set forth in the applicable exchange, the Financial Industry Regulatory make transactions in your Account. We may
Individual Retirement Plan and Disclosure Authority (FINRA), or any securities firm, bank, elect anytime, with or without notice, to make
Statement, and the Schwab IRA and ESA trust company or insurance company and (ii) you any debit balance or other obligation related to
Account Agreement, which incorporates the are not a director, 10% beneficial shareholder, your Account immediately due and payable. We
Charles Schwab Pricing Guide and a number of policy-making officer or otherwise an may report any past-due account to a consumer
other important disclosures. The applicable "affiliate" (as defined in Rule 144 under the and/or securities credit reporting agency.
Individual Retirement Plan and Disclosure Securities Act of 1933) of a publicly traded We may also refer your Account to a
Statement and the Schwab IRA and ESA company and (f) this Application Agreement, as collection agency.
Account Agreement are provided with this amended from time to time, is a legal, valid and
Section 7: Liquidations.
Application or at the opening of your Account. binding obligation, enforceable against you in
You agree to contact Schwab if you do not accordance with its terms. Whenever it is necessary for our protection or to
receive the applicable Individual Retirement Plan satisfy a debit in your Account or other
Section 4: Account Handling. obligation owed us with respect to your Account
and Disclosure Statement and the Schwab IRA
and ESA Account Agreement. Schwab will automatically hold all of your (including the payment of any fees and expenses
securities purchased, sales proceeds, dividends relating to your Account that are assessed from
In addition, you may in the future receive from and interest. Schwab will also release your your Account), you authorize and direct Schwab
Schwab supplemental terms or disclosures that name, address and securities positions to to sell, assign and deliver all or any part of the
pertain to certain account types, service features companies in which we hold securities for your property in your Account, close any or all
and benefit packages. These supplemental terms Account upon request, unless you notify us transactions in your Account, or restrict activity
and disclosures, this Application Agreement, the otherwise in writing. in your Account as may be necessary from time
applicable Individual Retirement Plan and to time to satisfy any such debit or obligation.
Section 5: Responsibility for Investment
Disclosure Statement and the Schwab IRA and You further authorize and direct us to choose
Decisions.
ESA Account Agreement are collectively referred which property to buy or sell, which transactions
to as the "Agreement and Disclosures." You You agree that you and any agent under a power to close, and the sequence and timing of
agree to read the Agreement and Disclosures of attorney or Investment Advisor (if you have liquidation. We may take such actions on
carefully and retain copies for your records. one) are solely responsible for investment whatever exchange or market and in whatever
decisions in your Account, including whether to manner (including public auction or private sale)
Section 2: Acceptance of Agreement and buy or sell a particular security. Unless required that we choose in the exercise of our business
Disclosures. by law, or unless Schwab provides advice to you judgment. You agree not to hold us liable for the
You agree that the Agreement and Disclosures that is clearly identified as an individualized choice of which property to buy or sell or of
govern all aspects of your relationship with recommendation for you, you understand that which transactions to close or for timing or
Schwab, including all transactions between Schwab has no obligation to determine whether manner of liquidation or any tax consequences
Schwab and you and all products and services a particular transaction, strategy or purchase or from such actions.
now or in the future offered through Schwab. sale of a security is in your best interest. Your
Schwab may rely on your use of Schwab's obligation includes an affirmative duty to monitor This serves as your direction and authorization
products and services as evidence of your and stay informed about your Account and your to us, without any additional notice to you. No
continued acceptance of the Agreement investments and respond to changes as you demand or notice shall impose on Schwab any
and Disclosures. deem appropriate. obligation to make such demand or provide such
notice to you in the future. Any such notice or
Section 3: Your Representations and Unless we otherwise agree with you in writing, demand is hereby expressly waived, and no
Warranties. Schwab does not monitor your account(s) or specific demand or notice shall invalidate
You represent and warrant that: (a) you are of investments and has no obligation to update an this waiver.
legal age in the state in which you live and you investment recommendation, financial advice, or
financial plan we may give you. Such Section 8: Verification.
are authorized to enter into this Agreement; (b)
you have supplied accurate information in your recommendation, financial advice, or financial You authorize Schwab to inquire from any
Account Application; (c) if you are married, live in plan only applies at the point in time we provide source, including a consumer reporting agency,
a state with community-property laws and have it to you. as to the identity (as required by law),
designated someone other than your spouse as creditworthiness and ongoing eligibility for the
You acknowledge that Schwab does not provide Account of the Account Holders, any other
the sole beneficiary to this Account, you have tax or legal advice.
obtained the consent of your spouse to such person referred to on this Application, or any
designation; (d) no additional authorizations Section 6: Payment of Indebtedness. person whom Schwab is later notified is
from third parties are required for you to open associated with or has an interest in the account
You agree to make payment of any indebtedness
the Account and effect transactions therein; (e) (as well as such persons' spouses if they live in a
related to your Account, including, but not
except as you have otherwise indicated on your community-property jurisdiction) at account
limited to, any such indebtedness that results

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36326-29 (12/24)
 Schwab IRA Application Agreement Page 2 of 3

opening, at any time throughout the life of the authorization provided to Schwab or the breach interpreted exclusively in accordance with
Account, and thereafter for debt collection or of any such agreements, instructions, or applicable federal laws of the United States,
investigative purposes. authorizations; (ii) the Account, any other including the Federal Arbitration Act. Any costs,
Section 9: Required Arbitration Disclosures. Schwab account or Services; (iii) transactions fees or taxes involved in enforcing the award
Regulatory authorities require that any in the Account or any other Schwab account; shall be fully assessed against and paid by the
brokerage agreement containing a predispute (iv) or in any way arising from the relationship party resisting enforcement of said award.
arbitration agreement must disclose that this with Schwab, its parent, subsidiaries, affiliates,
For FINRA arbitrations, FINRA will appoint a
agreement contains a predispute arbitration officers, directors, employees, agents or service
single public arbitrator in customer cases
clause. This Agreement contains a predispute providers ("Related Third Parties"), including
decided by one arbitrator. In customer cases
arbitration clause. By signing an arbitration any controversy over the arbitrability of a
decided by three arbitrators, investors have the
agreement, the parties agree as follows: dispute, will be settled by arbitration.
option of choosing an arbitration panel with
• All parties to this Agreement are giving up This arbitration agreement will be binding upon two public arbitrators and one non-public
the right to sue each other in court, and inure to the benefit of the parties hereto arbitrator (Majority-Public Panel Rule) or a
including the right to a trial by jury, except as and their respective representatives, attorneys- panel of all public arbitrators (Optional All-
provided by the rules of the arbitration in-fact, heirs, successors, assigns and any Public Panel Rule). If the customer declines to
forum in which a claim is filed. other persons having or claiming to have a legal elect a panel selection method in writing by the
• Arbitration awards are generally final and or beneficial interest in the Account, including applicable deadline, the Majority-Public Panel
binding; a party's ability to have a court court-appointed trustees and receivers. This Rule for selecting arbitrators will apply.
reverse or modify an arbitration award is arbitration agreement will also inure to the
All notices from one party to the other involving
very limited. benefit of third-party service providers that
arbitration shall be considered to have been
• The ability of the parties to obtain assist Schwab in providing Services ("Third-
fully given when so served, mailed by first-
documents, witness statements and other Party Service Providers") and such Third-Party
class, certified or registered mail, or otherwise
discovery is generally more limited in Service Providers are deemed to be third-party
given by other commercially accepted medium
arbitration than in court proceedings. beneficiaries of this arbitration agreement.
of written notification.
• The arbitrators do not have to explain the The parties agree that this arbitration
In addition to the above provisions, if a party to
reason(s) for their award unless, in an agreement will apply even if the application to
this Agreement is or becomes a non-U.S.
eligible case, a joint request for an explained open the Account is denied and will survive the
resident at the time of any controversy subject
decision has been submitted by all parties to closure of your Account and/or the termination
to this arbitration agreement, such party
the panel at least 20 days prior to the first of services rendered under this Agreement.
acknowledges and agrees to the following
scheduled hearing date.
Such arbitration will be conducted by, and additional provisions:
• The panel of arbitrators will typically include according to the securities arbitration rules and (1) The rules of the organization administering
a minority of arbitrators who were or are regulations then in effect of, the Financial the arbitration specifically provide for the
affiliated with the securities industry. Industry Regulatory Authority (FINRA) or any formal designation of the place at which the
• The rules of some arbitration forums may national securities exchange that provides a arbitration is to be held.
impose time limits for bringing a claim in forum for the arbitration of disputes, provided
(2) Entering into this Agreement constitutes
arbitration. In some cases, a claim that is that Schwab is a member of such national
consent to submit to the personal
ineligible for arbitration may be brought securities exchange at the time the arbitration
jurisdiction of the courts of the state of
in court. is initiated. Any party may initiate arbitration by
California, U.S.A., to interpret or enforce any
• The rules of the arbitration forum in which filing a written claim with FINRA or such eligible
or all of these arbitration provisions.
the claim is filed, and any amendments national securities exchange. If arbitration
Judgment on any arbitration award may be
thereto, shall be incorporated into before FINRA or an eligible national securities
entered in any court having jurisdiction, or
this Agreement. exchange is unavailable or impossible for any
application may be made to such court for
reason, then such arbitration will be conducted
No person shall bring a putative or certified judicial acceptance of the award and an
by, and according to the rules and regulations
class action to arbitration, nor seek to enforce order of enforcement, as the case may be.
then in effect of, the American Arbitration
any predispute arbitration agreement against Association (AAA). If arbitration before the AAA (3) The exclusive language to be used by the
any person who has initiated in court a is unavailable or impossible for any reason, the parties and the arbitrators in the arbitration
putative class action; or who is a member of a parties agree to have a court of competent proceedings shall be English. Any party
putative class who has not opted out of the jurisdiction appoint three (3) arbitrators to wishing an interpreter shall make all
class with respect to any claims encompassed resolve any and all disputes or controversies arrangements directly with the interpreter
by the putative class action until: between or among the parties. Each party shall and shall assume all costs of the service.
1. the class certification is denied; bear its own initial arbitration costs, which are (4) If a party is a foreign government or state,
2. the class is decertified; or determined by the rules and regulations of the state-owned or state-operated enterprise or
arbitration forum. other instrumentality of a foreign
3. the customer is excluded from the class by
the court. government or state, such party waives all
In the event of financial hardship, the
rights of sovereign immunity and neither the
Such forbearance to enforce an agreement to arbitration forum may waive certain costs in
Federal Act of State doctrine nor the
arbitrate shall not constitute a waiver of any accordance with such rules. At the conclusion
doctrine of sovereign immunity shall apply
rights under this Agreement except to the of the hearing, the arbitrators will decide how
insofar as any enforcement in courts
extent stated herein. to assess the costs of the arbitration among the
located in the U.S.A. is concerned.
parties.
Section 10: Arbitration Agreement. Section 11: Electronic Copies.
Any controversy or claim arising out of or Any award the arbitrator makes shall be final
and binding, and judgment on it may be The electronically stored copy of your (or your
relating to (i) this Agreement, any other agent's) signature, any written instructions or
agreement with Schwab, an instruction or entered in any court having jurisdiction. This
arbitration agreement shall be enforced and authorizations, the Account Application and the

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36326-29 (12/24)
 Schwab IRA Application Agreement Page 3 of 3

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 12: Float.
You agree that Schwab may retain as
compensation for services your Account's
proportionate share of any interest earned on
aggregate cash balances held in Schwab's bank
account with respect to (1) assets awaiting
investment or (2) assets pending distribution
from your Account. Such interest retained
by Schwab shall generally be at money market
rates. Schwab's receipt of such compensation
is further described in the Agreements
and Disclosures.
Section 13: Unclaimed Property.
If no activity occurs in the Account within the
time period specified by applicable state law,
the Account may be transferred to the
appropriate state.
Section 14: Information About SIPC.
To obtain information about Securities Investor
Protection Corporation (SIPC), including an
explanatory SIPC brochure, please contact SIPC
at www.sipc.org or 1-202-371-8300.
Section 15: Impartial Lottery for Securities
Subject to Partial Call or Partial Redemption.
If Schwab holds securities for you in street name,
in Schwab's name, or in bearer form that are
subject to partial call or partial redemption, then
in the case of a partial call or partial redemption
Schwab will use an impartial lottery system to
select the securities to be called or redeemed
from among accounts holding those securities.
For a description of Schwab's lottery system,
please visit www.schwab.com/PartialCalls. If you
would like a printed description of Schwab's
lottery system mailed to you, please contact a
Schwab representative at 1-800-435-4000.

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36326-29 (12/24)
 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 Program 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 Program Disclosure
Statement, the Cash Features Program Disclosure Statement will control.

How the Cash Schwab's Cash Features Program is the service (described in the Cash Features Program
Features Program Disclosure Statement) that we provide to automatically invest, or "sweep," the free credit
Works 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 The available cash features currently consist of:

Features
• 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 Program Banks (the "Bank Sweep feature"
for most accounts and the "Bank Sweep for Benefit Plans feature" for retirement plan
accounts); and
• For some accounts, an affiliated money market mutual fund (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 Program Disclosure Statement for more
complete eligibility details.

Duty to Monitor It is your responsibility to monitor your eligibility for the cash features and determine the best
Eligibility for Cash cash feature available to you. Schwab is not responsible for contacting you if you are, or later
Features become, eligible for other higher-yielding cash features.

Interest Rates and 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
Yields 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 view of prevailing market and business
conditions. With certain exceptions, the rate may be tiered based upon the overall free credit
balance within your account.
• The interest rates paid on the Bank Sweep feature are set by the Affiliated Program Banks, and
may be set as low as possible consistent with prevailing market and business conditions.
Retirement accounts will be paid a reasonable rate consistent with applicable legal and
regulatory requirements. With certain exceptions, the rate may be tiered based upon your
account type and the combined amount of your account's Bank Sweep deposits at the Program
Bank(s).

Investment and Insurance Products: Not a Deposit • Not FDIC Insured • Not Insured by any Federal Government Agency • No Bank Guarantee • May Lose Value

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) REG91285-05 (12/24)
 Cash Features Program General Terms and Conditions Page 2 of 2

Interest Rates and • The interest rates paid on the Bank Sweep for Benefit Plans feature will be a reasonable rate
Yields consistent with applicable legal and regulatory requirements. This may be lower than some
competitors' rates. Interest rates do not vary by tiers and do not vary based on your cash
(Continued) balances.
• The money market mutual fund offered through the Money Fund Sweep feature seeks to
achieve the highest yield (less fees and expenses) consistent with prudence and the fund's
investment objectives.
Cash features are not intended to be long-term investments, and yields on any of our cash
features may 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-investments 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 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
Account Protection 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 the Program Banks. Please
review the Cash Features Program Disclosure Statement for a list of the Program Banks
(www.schwab.com/cashfeaturesdisclosure). Certain conditions must be satisfied for FDIC
insurance coverage to apply. In the unlikely event that one or more of the Program 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 Program Bank to
determine if these, in total, exceed FDIC insurance limits. Monies held in both features are
not covered by SIPC.
• The Money Fund Sweep feature invests in high-quality, short- term securities and seeks to
maintain a stable value, but is subject to market risks and potential value loss. It is not a bank
account and is not subject to FDIC insurance protection. It is 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.

Investment and Insurance Products: Not a Deposit • Not FDIC Insured • Not Insured by any Federal Government Agency • No Bank Guarantee • May Lose Value

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) REG91285-05 (12/24)
 Important Information About Your Informed
Consent to Receive Paperless Documents Page 1 of 2

The Purpose and Effect of Your Consent request paper, ask questions about, or report problems concerning
Paperless Documents, you may contact us as follows:
This disclosure and informed consent applies to all communications for
those accounts, products and services offered in person or available via To contact us by email, log in to schwab.com, click "Contact Us," and then
schwab.com, schwaballiance.com, or via a Schwab mobile website or click "Send a Secure Message." Advisor Services clients, please log in to
mobile application used to access those accounts, products or services, to schwaballiance.com. To contact us by phone:
the extent they are not otherwise governed by the terms of a separate • Investor Services clients: 1-800-435-4000.
disclosure and informed consent.
• Schwab Bank Investor CheckingTM (or other Schwab Bank) clients:
We are required to provide to you "in writing" certain records and
1-888-403-9000.
disclosures about our relationship and transactions in your account. You
are entitled to receive those documents on paper. With your affirmative • Clients in the U.K.: 00 800 0826-5001.
consent, we can provide the documents to you electronically instead via • Clients in other countries: +1-415-667-8400.
the Schwab Paperless Documents program ("Paperless Documents"). The
information below will help you understand the conditions and • Advisor Services clients: Contact your independent advisor or call
requirements relating to Paperless Documents. You can always find the 1-800-515-2157.
most up-to-date version of this important information at • Schwab Intelligent Portfolios Solutions™ clients: 1-855-694-5208.
schwab.com/paperless_consent.
• Institutional Intelligent Portfolios® clients: 1-877-805-3399.
Paperless Documents categories include: tax forms, trade confirmations,
shareholder materials, statements and account documents (e.g., account To Withdraw Your Consent
statements and other documents associated with the account, including When you change your preference back to postal mail delivery, this
account agreements and amendments thereto, program disclosures, fund cancels your enrollment in Paperless Documents and withdraws your
prospectuses, and regulatory and other disclosures, including investment consent for the document categories you indicate. You can do this by
advisory disclosures and service notices). Each of these document logging in to schwab.com/paperless_services, or by calling or emailing
categories is described in detail below. If you are opening an account, the Schwab or Schwab Bank using the contact information above. Allow 48
account agreements and account and program disclosures delivered to hours for processing. Your consent will remain effective for other document
you as part of the account opening process are also included in Paperless categories for which you maintain a paperless delivery preference.
Documents. Electronic documents specific to your transactions and
account will be available online for up to 10 years from the date of initial Important note for Schwab Advisor Services clients: Canceling or modifying
delivery. Your consent to receive documents electronically is not limited in your enrollment may make your account(s) ineligible for lower commission
duration and does not expire. rates, and the commissions you pay can increase.

Depending on where you reside, the initial scope of your Paperless Important note for Schwab Intelligent Portfolios Solution and Institutional
Documents enrollment, and whether you have made modifications to your Intelligent Portfolios clients: Intelligent Portfolios is an all-electronic
enrollment, not all document categories may apply to you. Certain service. If in the future you request paper documents, withdraw your
documents that are not currently included in Paperless Documents may consent, or are unable to receive Paperless Documents, Schwab may
continue to be delivered to you via postal mail. In the future, some or all of terminate your account.
these documents may be added to Paperless Documents and made Electronic Notification When a Paperless Document Is Ready
available to you electronically in accordance with your informed consent to
We send you an email to let you know a document is available. For some
this disclosure. If you are uncertain which documents are covered by your
documents, the email itself will be the paperless document. For other
Paperless Documents enrollment, please check online at
documents, the email will contain a link that will allow you to access or
schwab.com/paperless_services or call or email Schwab or Schwab Bank
download the document, and your login may be required prior to such
using the contact information below.
access.
For additional information about Schwab Bank account statements, see
Keeping Your Email Address Current and Actions Schwab or Schwab
the "Addendum" on the following page.
Bank Will Take If There Is a Problem
You indicate your consent to Paperless Documents by providing an email
Please note that after three consecutive months of unsuccessful electronic
address and signing an account agreement, or by clicking or touching an "I delivery attempts of your tax forms, trade confirmations, or statements and
consent" or other button indicating assent to or acceptance of the account documents, your account(s) will revert back to postal mail delivery.
conditions and requirements relating to Paperless Documents, and we This will cancel your enrollment in Paperless Documents and withdraw
record your consent. The method of consent may depend on whether you your consent to receive Paperless Documents.
are opening an account or separately enrolling in Paperless Documents for
an existing account. If you do not provide consent, Schwab or Schwab It is your responsibility to notify Schwab or Schwab Bank of any change in
Bank will send you paper copies. Your consent will be effective until you your email address by logging in to the Schwab site and going to Service >
cancel your enrollment in Paperless Documents or Schwab or Schwab My Profile > Email Addresses or using the contact information above. In
Bank notifies you that the program is discontinued. If you are a joint addition to the unenrollment process outlined above, if we receive any
account holder, your consent binds the other account holder. 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
By providing consent, you confirm that you have the ability to access the following actions:
Schwab on the web, and the ability to open, view, save, retain, and print
PDF documents as described below. These abilities demonstrate that you • Tax Forms—Send a letter by postal mail within two business days to
can receive the documents we will deliver to you. You also confirm that you inform you that we were unable to deliver your tax form electronically. In
have provided a valid email address as part of the account opening or certain circumstances, as may be required by law or regulation or for
Paperless Documents enrollment process. other reasons, we may send you the tax form itself by postal mail within
the time period prescribed by the relevant legal or regulatory
We may, if necessary and at our discretion, end your participation in requirements.
Paperless Documents, or change the terms and conditions relating to • Trade Confirmation—Send a paper copy of trade confirmation by postal
Paperless Documents and electronic communications. It is your mail within 24 hours. Also send a letter by postal mail to inform you that
responsibility to review any updates in a timely manner. We will provide we were unable to deliver your Trade Confirmation to you electronically.
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
©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) REG86030-11 (12/24)
 Informed Consent to Receive Paperless Documents Page 2 of 2

• Statements and Account Documents—Send a letter by postal mail conducted, other activity in your account, and terms and conditions
informing you that we were unable to deliver your statement or account governing your account. Account statements are sent at the end of each
document electronically. month or quarter depending on activity in your account. With your account
• Shareholder Materials—Send a paper copy of the shareholder materials statements, we often include accompanying account-related notices and
via postal mail within 24 hours. We will send you a letter informing you other regulatory information, including, but not limited to, Schwab's
that we were unable to deliver your shareholder materials electronically. Statement of Financial Condition, pricing changes, changes to payment
The account will be unenrolled from Paperless Documents, and we will features, privacy policy, annual notices, amendments to your account
begin to send you paper shareholder materials. agreements, and any other documents, notices, and disclosures required
by law or regulatory rules to be provided to you. At account opening and
Hardware and Software Requirements from time to time thereafter, we also send you notifications about your
Paperless Documents requires you to have access to a device (computer account. Collectively, we call these documents, notices, and disclosures
or smartphone) with Internet service and an active email account and "account documents." When you consent to paperless account
address, along with the following: statements, you also consent to paperless account documents.
• A current version of a common Internet browser, with JavaScript Investment Advisory Program Disclosures and Notices
enabled. (A Sub-Category of Account Documents)
Your consent to paperless Statements and Account Documents
• A current version of a program, such as Adobe® Reader®, that encompasses regulatory and other disclosures, which includes but is not
accurately reads and displays PDF documents. If you do not have Adobe limited to investment advisory program disclosures, brochure supplements
Acrobat installed on your device, you can download the free software at with information about individual Schwab representatives, and related
adobe.com. materials such as periodic updates or annual summaries of any changes to
• An operating system on your device that supports the above. those documents ("Form ADV Disclosures") as Schwab makes these
available in the future. The investment advisory programs may include but
• A printer that connects to your device, if you wish to print documents.
are not limited to Schwab Managed Portfolios™, Schwab Managed
• Electronic storage connected to your device, if you wish to retain Account Services™, the Schwab Advisor Network®, Schwab Intelligent
records in electronic form. (If you are using your computer, just save Portfolios Solutions™, and other similar advisory services, and fee-based
documents to your local hard drive.) Financial Planning Services. In addition to Schwab's and its affiliates' own
If you use your smartphone, you must access the full Schwab website to Form ADV Disclosures, your consent also covers Form ADV Disclosures
view and print your documents. If you have questions relating to hardware from third-party investment advisors whose services you select through
and software requirements, please call or email Schwab using the contact Schwab. Paperless Form ADV Disclosures may accompany your account
information on the previous page. statements or be sent via electronic mail independently. If the third party
does not make its Form ADV Disclosures available electronically, you will
Security and Privacy Information instead receive the standard printed materials by postal mail.
Unless expressly stated, email notifications for Paperless Documents are Shareholder Materials ("Electronic Delivery")
not encrypted. For security and confidentiality, unencrypted emails will not Shareholder materials include regulatory information such as
include your name, full account number, or any other personal identifier. Be prospectuses; prospectus supplements; quarterly, semi-annual, and
aware, however, that some email addresses may use part of your name or annual reports; and proxy materials. You will receive an email notification
your entire name. If you use a work email address, your employer or other with a web link to shareholder materials if you have a position in an equity
employees may have access to your email. To help you identify your or mutual fund as of the record date for a particular shareholder
account, we may include some portion, but not all, of your account distribution and the materials are made available electronically by the
number. Schwab or Schwab Bank may use a vendor to deliver Paperless issuer or third party. If the issuer or third party does not make shareholder
Documents. materials available electronically, you will instead receive the standard
Whether Schwab, Schwab Bank, or a vendor delivers the documents, printed materials by postal mail. By providing your consent to receive
Schwab's privacy policy applies. electronic delivery of shareholder material, you also consent to electronic
householding. This means that if you and someone else enroll in this
Records and Disclosures Included in Schwab and Schwab Bank's paperless service using the same email address, we may send one email
Paperless Documents Program announcement to this email address if each account holds securities of the
Tax Forms ("eTax Documents") same issuer. This avoids duplicate mailings of shareholder documents. If
A tax document provides important information you need to complete your you no longer want electronic householding of your shareholder materials,
tax returns. Much of the information we provide in tax documents is also you must modify your Paperless Documents enrollment as described
reported to the IRS. This includes any corrected tax documents and above. Your shareholder materials may include electronic proxies. You may
accompanying notices. When a tax document is ready, we will send an elect to vote your proxy online at proxyvote.com by entering the control
email notification with the subject line "IMPORTANT TAX RETURN number included in your email announcement and the last four digits of
DOCUMENT AVAILABLE" and containing a web link to the document your Social Security number or Taxpayer Identification Number as your PIN.
available after you log in. Addendum for Schwab Bank Paperless Statements
Trade Confirmations ("eConfirms") ("eStatements")
A trade confirmation is an official record of your securities transaction. It Schwab Bank Paperless Documents categories include statements and
includes the price, number of shares, and the commission we charge you, account documents and tax forms. The above information regarding the
as well as disclosures required under federal law. If you choose to receive purpose and effect of your consent, including how to request paper
paperless trade confirmations, the terms and conditions of your delivery, how to ask questions, how to withdraw consent for paperless
transaction will appear in the email and on a web page you can link to from delivery, electronic notification of ready statements, keeping a current
the email. Your consent to receive paperless trade confirmations also email address, hardware and software requirements, and security and
includes paperless delivery of prospectuses or other regulatory information privacy information, are all applicable to Schwab Bank accounts. Paperless
we provide to you at the time of your trade. Your consent to receive Documents include account statements and tax forms. In addition, account
paperless trade confirmations also covers paperless delivery of Trade statements for your Investor Checking account(s), Investor Savings
Confirmation Reports (TCRs) if you elect this alternative as part of your account(s), and Pledged Asset Line® account(s) provide important
Managed Account enrollment. information about your accounts, including the account balance; the
Statements and Account Documents ("eStatements") transactions conducted; other activity in your accounts; and other
An account statement provides important information about your account, information, terms, and conditions governing your accounts.
including the price and quantity of securities you hold, the transactions

Investment and Insurance Products: Not a Deposit • Not FDIC Insured • Not Insured by any Federal Government Agency • 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.

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) REG86030-11 (12/24)