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APP38165 Keith Simmons

This document outlines the process for opening a Schwab One Brokerage Account and a linked Schwab Bank Investor Checking Account, requiring U.S. citizenship or residency and a U.S. mailing address. It includes details on account ownership types, personal information requirements, and the necessity of a credit check for the Investor Checking account. Additionally, it emphasizes the importance of selecting account features and providing trusted contact information.

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toddiehl

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0% found this document useful (0 votes)

194 views21 pages

APP38165 Keith Simmons

Uploaded by

toddiehl

We take content rights seriously. If you suspect this is your content, claim it here.

Available Formats

Download as PDF, TXT or read online on Scribd

You are on page 1/ 21

CLEAR PRINT

®
Open a Schwab One Brokerage
Account and a Linked Schwab Bank
Investor Checking™ Account Page 1 of 11

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 open two linked accounts: (1) a Schwab One brokerage account with Charles Schwab & Co., Inc. ("Schwab") and (2) a Schwab
Bank Investor Checking ("Investor Checking") account with Charles Schwab Bank, SSB ("Schwab Bank").
• All account holders must be either U.S. citizens or U.S. resident aliens, reside in the U.S. or one of its territories, and provide a U.S. mailing
address.
• Note: Schwab Bank will initiate an inquiry with a consumer reporting agency (e.g., "credit check") in order to evaluate your Investor Checking
Account application.
• NOTE: The Schwab Bank Investor Checking™ account is offered only as an account linked to a Schwab One® brokerage account. If the Investor
Checking account is not approved by Schwab Bank, Schwab may close the linked Schwab One brokerage account regardless of when that
brokerage account was opened. Schwab is not an FDIC-insured bank and deposit coverage insurance covers the failure of an insured bank.
Non-deposit products are not insured by the FDIC; are not deposits; and may lose value.
As You're Filling Out This Form, Please Remember To:
• Choose your Schwab One brokerage account features in Section 4 and your Schwab Bank account features in Section 6.
• After you have read and agreed to the terms and conditions, sign and date the form in Section 5 for your Schwab One brokerage account and
Section 7 for your Investor Checking account using blue or black ink.
• Enclose a check, or Transfer Your Account to Schwab form or, if applicable, choose another funding option for both accounts. Please note, if
you are providing a check as your initial deposit, the check will be credited to your Investor Checking account unless you specify otherwise.

1. Choose Your Account Ownership (for Both Accounts)

Please select only one box. Your choice will apply to both accounts. By selecting an account type below, you acknowledge that you have received the
disclosure of the ownership rights for each of the accounts listed by reading the entirety of the attached Types of Account Ownership Summary
Notice and affirm that you have used that information to select the account type you want to open.

Individual
Joint Tenants With Right of Survivorship (JTWROS)
Your share of the account will pass to the surviving owner.
Tenants in Common
Your share of the account will pass to your estate in the event of your death. Note: If you would like to open a Trust as Tenants in Common, do
not use this application. Please contact Charles Schwab for the appropriate form.
Community Property (This type of ownership may not be available in your state.)
Each spouse has a one-half interest in the account assets and equal responsibility for account activity. For married couples in selected states.

2. Tell Us About Yourself (For Both Accounts)

If there are multiple account holders, please complete an additional copy of this form.
We respect your privacy. Schwab and Schwab Bank will use the information you provide to open and service your accounts, communicate with you,
and provide information about products and services.

Account Holder 1

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 www.schwab.com/privacy.

KEITH JOSEPH SIMMONS

Name First Middle Last Suffix

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 & Co., Inc. ("Schwab") and Charles Schwab Bank, SSB ("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, SSB, Member FDIC and an Equal Housing Lender.

©2025 Charles Schwab & Co., Inc. Charles Schwab Bank, SSB. All rights reserved. Member FDIC. Equal Housing Lender.
AEM11527257 (0125-NM6C) APP38165-35 (03/25)
Open a Schwab One® Brokerage Account and a Linked Schwab Bank Investor Checking™ Account Page 2 of 11

438117540 05/18/1959
Social Security/Tax ID 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.

4055 EMERSON COVE DR SPRING TX 77386
Home/Legal Address (no P.O. boxes) City State Zip Code

Include mailing address if different from your home/legal address.

114 E 5TH AVE APT 209 COLUMBUS OH 43209
Mailing Address (P.O. boxes may be used.) City State Zip Code

4697689087 3802139565
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.

KeithSimmonsq@outlook.com HANNAH
Email Address Mother's Maiden Name

Country(ies) of Citizenship (Must list each separated by a comma.) 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
24183708 TX 10/11/2019 05/18/2025

Identification Number Country or State of Issuance Issue Date (mm/dd/yyyy) Expiration Date (mm/dd/yyyy)

Schwab Bank does not consider marital status when processing Investor Checking account applications.
Marital Status
Single Married Divorced Widowed Number of Dependents 3
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)
HILLYARD COMPANY 2903 amber ct
Employer Name/Business Name Business Street Address (no P.O. boxes)
Columbus OH 43202 USA

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

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

$ 520,000
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 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 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

*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.
Account Holder 2
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 www.schwab.com/privacy.

Name First Middle Last Suffix

Social Security/Tax ID 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 Address (no P.O. boxes) City State Zip Code

Include mailing address if different from your home/legal address.

Mailing Address (P.O. boxes may be used.) City State Zip Code

Home Phone Mobile Phone Work Phone Extension

Please provide your email address if you would like to access your accounts online. By providing your email address, you consent to receiving email
from Schwab and Schwab Bank.

Email Address Mother's Maiden Name

Country(ies) of Citizenship (Must list each separated by a comma.) 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

Identification Number Country or State of Issuance Issue Date (mm/dd/yyyy) Expiration Date (mm/dd/yyyy)

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

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

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

Trusted Contact 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 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

3. Required Information About the Accounts

Overall Investment Objective(s) of Your Schwab One® Brokerage Account. (Please select all boxes that apply.)
Capital Preservation
You are seeking to minimize the potential of losing your initial investment.
Income
You are seeking the continued receipt of current income while recognizing and accepting the risks of income-generating investments.
Growth
You are seeking to increase the value of your investments over time while accepting price fluctuations and volatility.
Speculation
You are willing to assume a higher risk of loss in exchange for potentially higher returns.
Source of Funds in Account (Required - check at least one.)
In this section, we're collecting information about the categories ("sources") of assets that will be held in your Account. Please select all of the
sources of the assets that will be deposited or held in your Account, including the original sources of any assets that will be transferred into the
Account from another firm.

Salary/Wages/Savings Investment Capital Gains

Social Security Benefits Gifts
Sale of Property or Business Gambling/Lottery
Family/Relatives/Inheritance Other (please specify):

Purpose of Your Schwab Brokerage Account (Check all that apply.)

General Investing Investing for Estate Planning
Investing for Tax Planning (e.g., municipal bonds, etc.) Investing for College
Investing for Retirement Investing of Pooled Assets (e.g., funds from individual investors that
are aggregated for investing purposes)
Other (Please specify.):

Purpose of Your Schwab Bank Investor Checking™ Account (Check all that apply.)
General/Personal Expenses Educational Expenses
General/Personal Savings Large Asset Purchase (home, car, etc.)
Other (Please specify.):

Anticipated Activity for Your Schwab Bank Investor Checking™ Account (Please select only one box.)
On average, how many times per month do you anticipate making deposits, withdrawals, and/or transfers?
Less than 15 times per month 15 to 30 times per month
31 to 45 times per month More than 45 times per month

4. Set Up Your Schwab One® Brokerage Account

Margin (Optional)
Margin is automatically added unless you select the box "No, do not add margin."
A margin account allows you to borrow against your eligible securities. You can use a margin loan to purchase additional securities, to sell securities
short, to obtain short-term financing or as a source of overdraft protection. To better understand the benefits and risks of margin, please refer to the
attached Margin Disclosure Statement and the Schwab One Brokerage Account Application Agreement. To learn more about margin, we encourage
you to use the educational materials available at www.schwab.com/margin_education. Margin is automatically added unless you check the box
below.

No, do not add margin.

Paperless Document Enrollment

Here's how paperless works: You will receive account statements, trade confirmations, shareholder materials, account agreements and related
disclosures, and other regulatory documents, if available in paperless form, by email. For certain documents, including account statements, you will
receive an email notification with a link to log on to our secure website to access your documents. For complete information, please see Important
Information About Your Informed Consent to Receive Paperless Documents in the Appendix to this application.
To opt for Paperless Documents, simply provide your email address in the "Tell Us About Yourself" section of this form. The completion of your
enrollment will depend on one of the following scenarios.
Scenario 1:
If you already have an account enrolled in Paperless Documents using the email address provided on this form, have logged on to Schwab.com in
the past six months, and agree to the following, your paperless enrollment will be complete once your account is opened.
• I have read and understood the Important Information About Your Informed Consent to Receive Paperless Documents in the Appendix to this
application and consent to enrolling this account in Paperless Documents.
• I understand that I will receive an email with my new account agreement and related disclosures.
Or
Scenario 2:
If you do not have an existing account enrolled in Paperless Documents, are using a different email address, or have not logged on to Schwab.com in
the past six months, we will send you an email after the account is opened. To complete enrollment, you will need to click the "I Consent" button in
that email and/or follow the instructions to access Schwab.com. If you do not click the "I Consent" button, this account will not be enrolled in
Paperless Documents and we will send your account agreement and related disclosures, as well as future regulatory documents, by postal mail.
If you do not want to participate in Paperless Documents, please check the box below.
No, do not enroll my account in Paperless Documents. Please send my regulatory documents via postal mail.

Select How You Will Fund Your Schwab One® Brokerage Account (Optional)
To obtain the forms referenced below, please call us at 1-800-435-4000 or visit www.schwab.com/forms.
Please include your check, or Transfer Your Account to Schwab form.
Funding your Schwab One brokerage account is not required to open your accounts.
Check enclosed for $ .
Please make it payable to yourself and write "Schwab One" in the memo field.
Transfer funds from another Schwab account.
Please complete the Letter of Authorization (LOA) for Movement of Funds in Schwab Accounts.
Transfer funds from another financial institution.
Please complete the Transfer Your Account to Schwab form or go to www.schwab.com/transfer after your account has been opened.
Transfer funds electronically using Schwab ACH (MoneyLink®).
Upon opening of your account, please visit Schwab.com to transfer funds electronically. You must be an owner of the account at the Other
Financial Institution.

Direct deposit.
With this service, you can have part of your paycheck, government payment or other recurring payment deposited directly into your Schwab One
brokerage account. After receiving your account number, please go to www.schwab.com/directdeposit, print a personalized direct deposit form
and give it to your employer or other entity.

Deposit funds using the Schwab Mobile application.

Download the Schwab Mobile app and apply for Schwab Mobile Deposit™. (You must be approved for this service.)
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.
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 Disclosure Statement,
and you also consent to having the Bank Sweep feature as your designated Cash Feature.
You understand and agree that Schwab may (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.

Offer/Referral Code (if Applicable)

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

5. Schwab One® Brokerage Account Disclosure and Account Holder Signature(s)

Schwab One Brokerage Account Terms
Please read and sign below.
By signing this application, I acknowledge that I have received and read a copy of the attached Application Agreement, which contains a predispute
arbitration provision. I acknowledge that my signature signifies and constitutes my agreement that this account and my relationship with Schwab will
be governed by the Application Agreement and all incorporated agreements and disclosures, including the Schwab One Account Agreement and the
Charles Schwab Pricing Guide, each as amended from time to time (the "Agreement and Disclosures"). I understand there are fees associated with
establishing, maintaining, engaging in transactions in and transferring assets out of this account. Unless I have declined the margin feature, I
acknowledge that securities securing loans from Schwab may be lent to Schwab and lent by Schwab to others. I also acknowledge that if I trade "on
margin," I am borrowing money from Schwab and that I understand the requirements and risks associated with margin borrowing as summarized in
the Margin Disclosure Statement included with this application.
I also acknowledge that the securities products purchased or sold in a transaction with Schwab (i) are not insured by the Federal Deposit Insurance
Corporation ("FDIC"); (ii) are not deposits or other obligations of 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 "I," "me," "my" and "Account Holder" refer to each
person who signs this account application and apply with respect to both a person's individual capacity as well as any applicable representative
or fiduciary capacity. The terms "we," "us," "our" and "Schwab" refer to Charles Schwab & Co., Inc. 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 The Agreement with Schwab contains a predispute arbitration
provision of this document other than the certifications required to clause. You acknowledge receipt of the predispute arbitration clause
avoid backup withholding. contained in Section 14, page 2, of the Application Agreement.

All Schwab One brokerage account holders must sign using blue or black ink.

✘ 05/12/2025
Signature: Account Holder Today's Date (mm/dd/yyyy)

KEITH J SIMMONS
Print Name

✘ 05/12/2025
Signature: Account Holder Today's Date (mm/dd/yyyy)

KEITH J SIMMONS
Print Name

The options below apply only to your Schwab Bank account.

6. Set Up Your Schwab Bank Investor Checking™ Account

Schwab Bank Bill Pay™ (Optional)
These features apply only to your Investor Checking account.
You will be enrolled in Bill Pay unless you check the box "No, do not enroll my account in Schwab Bank Bill Pay."
This online electronic bill payment feature is provided unless you check the box below. The feature is provided at no additional charge and will be
activated after you fund your account.

No, do not enroll my account in Schwab Bank Bill Pay.

Overdraft Protection
This feature automatically transfers funds from your linked Schwab One® brokerage account, up to your Authorization Limit, including Available
Margin Loan Value, to your Investor Checking account in order to provide you with coverage against insufficient funds. To discontinue this feature,
please contact a Schwab representative after your account is open.
Overdraft protection using margin sources may create a margin loan in your brokerage account that may be subject to daily interest charges,
margin calls or potential liquidation of securities. Refer to the Schwab Bank Deposit Account Agreement and your Schwab One Account Agreement
for details.
Select How You Will Fund Your Schwab Bank Investor Checking™ Account (Optional)
A Visa® Platinum Debit card will be sent and Schwab Bank Bill Pay™ will be activated after you fund your account. Schwab Bank checks will be sent
after you fund your account with at least $100.
Important Note: If you need your debit card expedited, please call Schwab Bank at 1-888-403-9000. A $15 fee may apply to expedited card requests.
Be sure to attach an original, preprinted and voided check or a preprinted savings account deposit slip if you select this option.
Remember that checks will be sent after you fund your Investor Checking account with at least $100. Schwab Bank Bill Pay will be activated and a
Visa Platinum Debit Card will be sent upon account funding.

Make a one-time transfer of $ from your linked Schwab One brokerage account. We recommend selecting this
option only if you have chosen to fund your brokerage account via check due to the additional time required to complete the transfer process.
Deposit funds using the Schwab Mobile application. Download the Schwab Mobile app and apply for Schwab Mobile Deposit™. (You must be
approved for this service.)
Make a check payable to yourself, write "Schwab Bank" on the memo line, and include it with this application.
Direct deposit. With this service, you can have part of your paycheck, government payment or other recurring payment deposited directly into
your Investor Checking account. After receiving your account number, please go to www.schwab.com/directdeposit, print a personalized direct
deposit form and give it to your employer or other entity.
Upon opening of your account, please visit Schwab.com to transfer funds electronically. You must be an owner of the account at the Other Financial
Institution.

7. Schwab Bank Investor Checking Account Terms and Account Holder Signature(s)
Schwab Bank Investor Checking Account Terms
Please read and sign at the bottom of this section.
These account terms are an agreement between Charles Schwab Bank, SSB ("Schwab Bank") and each account holder for an Investor Checking
account. "I," "me" and "my" refer to each account holder. All account holders are required to sign. By signing below, each account holder:
1. certifies 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. agrees that my Investor Checking Account will be governed by the terms of this agreement and acknowledges that Schwab Bank will provide me
with copies of, and advises me to read, the following documents before account opening or before a service is provided: (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 Bank's Facts: What Does The Charles Schwab Corporation Do With Your Personal Information? or any other successor publication;
(c) Important Privacy Choice for Consumers, for California residents only; and (d) the Schwab Bank Deposit Account Pricing Guide;
3. acknowledges that if the application is approved, each account holder will receive a Visa Platinum Debit Card once the account is funded and a
Visa Debit Card Agreement which contains the terms and conditions that apply to this card;
4. acknowledges that, unless I specifically elected otherwise, I will be enrolled in the Schwab Bank Bill Pay service;
5. agrees to be subject to the terms and conditions of all documents associated with my Investor Checking account upon account opening and
acknowledges that Schwab Bank advises me to read all the disclosure documents prior to opening or using my account;
6. acknowledges that my Investor Checking account is linked with my Brokerage account maintained at Charles Schwab & Co., Inc., a registered
broker-dealer, and authorizes Charles Schwab & Co., Inc. to follow the instructions set forth in this application, if applicable;
7. authorizes Schwab Bank to inquire from any source, including a consumer reporting agency, as to my identity (as required by federal law),
creditworthiness and 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; and
8. understands that 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.
Please note: Schwab Bank will initiate an inquiry with a consumer reporting agency (e.g., "credit check") in order to evaluate your Investor Checking
Account Application.

We respect your privacy. Schwab Bank will use the personal identification and account information provided in this application and that you
previously provided to Schwab to open and service your accounts, communicate with you, and provide information about products and services.
Schwab Bank does not consider your marital status when processing your Investor Checking Account Application. For more information on privacy
policies, read about our privacy policy in Schwab Bank's Facts: What Does The Charles Schwab Corporation Do With Your Personal Information?
booklet. As required by federal law, we will use the information you provide to Schwab to verify your identity.

To open an Investor Checking account offered by Schwab Bank, please sign and date below in blue or black ink only.
All Schwab Bank account holders must sign and date using blue or black ink.

✘ 05/12/2025
Signature: Account Holder Today's Date (mm/dd/yyyy)

KEITH J SIMMONS
Print Name

✘ 05/12/2025
Signature: Account Holder Today's Date (mm/dd/yyyy)

KEITH J SIMMONS
Print Name

8. 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 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 schwab.com/branch for locations).

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©2025 Charles Schwab & Co., Inc. Charles Schwab Bank, SSB. All rights reserved. Member FDIC. Equal Housing Lender. PRINT
AEM11527257 (0125-NM6C) APP38165-35 (03/25)
Schwab One® Brokerage Account Application
Agreement Page 1 of 3

• 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 Charles Schwab.

Section 1: Scope of Agreement. (ii) you are not a director, 10% beneficial elect anytime, with or without notice, to make
Your agreement with Schwab consists of the shareholder, policy-making officer, or otherwise any debit balance or other obligation related
terms set forth in this Application Agreement an "affiliate" (as defined in Rule 144 under the to your Account immediately due and payable.
and the terms set forth in the Schwab One Securities Act of 1933) of a publicly traded We may report any past-due account to a
Account Agreement, which incorporates the company; and (f) this Application Agreement, as consumer and/or securities credit reporting
Charles Schwab Pricing Guide and a number of amended from time to time, is a legal, valid and agency. We may also refer your Account to a
other important disclosures. The Schwab One binding obligation, enforceable against you in collection agency.
Account Agreement is provided with this accordance with its terms.
Section 7: Granting a Lien on Your Accounts.
Application or at the opening of your Account.
Section 4: Account Handling. As security for the repayment of all present or
You agree to contact Schwab if you do not
Schwab will automatically hold all of your future indebtedness owed to us by each Account
receive the Schwab One Account Agreement.
securities purchased, sales proceeds, dividends Holder, each Account Holder grants to us a first,
In addition, you may in the future receive from and interest. Schwab will also release your perfected and prior lien on, a continuing security
Schwab supplemental terms or disclosures that name, address and securities positions to interest in, and right of set-off with respect to, all
pertain to certain account types, service features companies in which we hold securities for your property that is, now or in the future, held,
and benefit packages. These supplemental Account upon request, unless you notify us carried or maintained for any purpose in or
terms and disclosures, this Application otherwise in writing. If you maintain more than through Schwab, and, to the extent of such
Agreement and the Schwab One Account one account at Schwab, you authorize Schwab Account Holder's interest in or through, any
Agreement are collectively referred to as the to transfer assets between your accounts when present or future account with us or our affiliates
"Agreement and Disclosures." You agree to read no written authorization is requested. in which the Account Holder has an interest. In
the Agreement and Disclosures carefully and the event of a breach or default by you under
Section 5: Responsibility for Investment
retain copies for your records. this Agreement, Schwab will have the rights and
Decisions.
remedies available to a secured creditor under
Section 2: Acceptance of Agreements and You agree that you and any agent under a power all applicable laws in addition to the rights and
Disclosures. of attorney or Investment Advisor (if you have remedies provided in this Agreement.
You agree that the Agreement and Disclosures one) are solely responsible for investment
govern all aspects of your relationship with decisions in your Account, including whether to If you owe money to Schwab as the result of
Schwab, including all transactions between buy or sell a particular security. Unless required activity in your Account and there are assets
Schwab and you and all products and services by law, or unless Schwab provides advice to you available in any non-retirement brokerage
now or in the future offered through Schwab. that is clearly identified as an individualized account that you hold at Schwab which could
Schwab may rely on your use of Schwab's recommendation for you, you understand that fully or partially satisfy the debt, you agree that,
products and services as evidence of your Schwab has no obligation to determine whether upon Schwab's written demand, you will execute
continued acceptance of the Agreement a particular transaction, strategy, or purchase or all documents necessary to effect a transfer
and Disclosures. sale of a security is suitable for you. Your from your non-retirement brokerage account
obligation includes an affirmative duty to monitor and agree to pay or cause such funds to be paid
Section 3: Your Representations and immediately to Schwab in order to satisfy your
and stay informed about your Account and your
Warranties. indebtedness to Schwab.
investments and respond to changes as you
You represent and warrant that: (a) you are of deem appropriate. Section 8: Liquidations.
legal age in the state in which you live and you
are authorized to enter into this Agreement; Unless Schwab otherwise agrees with you in Whenever it is necessary for our protection or to
(b) you have supplied accurate information in writing, Schwab does not have any discretionary satisfy a margin deficiency, debit or other
your Account Application; (c) no one except the authority or obligation to review or make obligation owed us, we may (but are not
Account Holders listed on the Account recommendations for the investment of required to) sell, assign and deliver all or any
Application (and if community property is held, securities or cash in your Account. part of the property securing your obligations, or
the Account Holders' spouses) has an interest in close any or all transactions in your Account. We
You acknowledge that Schwab does not provide may choose which property to buy or sell, which
the Account; (d) no additional authorizations tax or legal advice.
from third parties are required for you to open transactions to close and the sequence and
the Account and effect transactions therein; Section 6: Payment of Indebtedness. timing of liquidation. We may take such actions
(e) except as you have otherwise indicated on You agree to make payment of any indebtedness on whatever exchange or market and in
your Account Application or in writing to us, related to your Account, including, but not whatever manner (including public auction or
(i) you are not an employee of or affiliated with limited to, any such indebtedness that results private sale) that we choose in the exercise of
any securities exchange or member firm of any from instructions provided to Schwab by you, our business judgment. You agree not to hold us
exchange, the Financial Industry Regulatory your agent or any attorney-in-fact under a power liable for the choice of which property to buy or
Authority (FINRA) or any securities firm, bank, of attorney or Investment Advisor authorized to sell or of which transactions to close or for
trust company, or insurance company; and make transactions in your Account. We may timing or manner of liquidation or any tax
consequences from such actions.

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©2025 Charles Schwab & Co., Inc. Charles Schwab Bank, SSB. All rights reserved. Member FDIC. Equal Housing Lender.
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Schwab One® Brokerage Account Application Agreement Page 2 of 3

In certain circumstances we may, at our sole borrower. No compensation or other discovery is generally more limited in
discretion, liquidate your entire margin loan reimbursements will be due to you in connection arbitration than in court proceedings.
balance to satisfy a margin call. You agree not to with such borrowings. However, if you are
hold us liable for taking such action. 4. The arbitrators do not have to explain the
allocated a substitute payment in lieu of
reason(s) for their award unless, in an
dividends, you understand that such a payment
We may transfer property from any eligible case, a joint request for an explained
may not be entitled to the same tax treatment as
non-retirement brokerage account in which you decision has been submitted by all parties to
may have been applied to the receipt of a
have an interest to any other brokerage account the panel at least 20 days prior to the first
dividend. You agree that Schwab is not required
in which you have an interest, regardless of scheduled hearing date.
to compensate you for any differential tax
whether there are other account holders on 5. The panel of arbitrators will typically include
treatment between dividends and payments in
either account, if we determine that your a minority of arbitrators who were or are
lieu of dividends. Schwab may allocate
obligations are not adequately secured or to affiliated with the securities industry.
payments in lieu of dividends by any mechanism
satisfy a margin deficiency or other obligation.
permitted by law, including by using a lottery 6. The rules of some arbitration forums may
You agree to pay on demand any account
allocation system. impose time limits for bringing a claim in
deficiencies after liquidation, whether liquidation
arbitration. In some cases, a claim that is
is complete or partial. Section 12: Using the Check and Visa®
ineligible for arbitration may be brought
Platinum Debit Card Features.
All of the above may be done without demand in court.
for margin or notice of purchase, sale, transfer or If you have requested check or Visa Platinum
Debit Card features through your Account, you 7. The rules of the arbitration forum in which the
cancellation to you. No demand for margin or
authorize checks and Visa Platinum Debit Cards claim is filed, and any amendments thereto,
notice shall impose on Schwab any obligation to
to be issued as indicated in your Account shall be incorporated into this Agreement.
make such demand or provide such notice to
you in the future. Any such notice or demand is Application. You agree that each Account Holder No person shall bring a putative or certified
hereby expressly waived, and no specific is authorized to write checks and engage in Visa class action to arbitration, nor seek to enforce
demand or notice shall invalidate this waiver. Platinum Debit Card transactions, and you any predispute arbitration agreement against
understand that if the checking feature is any person who has initiated in court a putative
Section 9: Interest on Debit Balances. terminated, your Visa Platinum Debit Card will class action; or who is a member of a putative
We will charge and compound interest on your be automatically cancelled. class who has not opted out of the class with
debit balances (whether in a Margin or Cash
Section 13: Verification. respect to any claims encompassed by the
Account) according to our Disclosure of Credit
You authorize Schwab to inquire from any putative class action until:
Terms and Policies.
source, including a consumer reporting agency, 1. the class certification is denied;
Section 10: Borrowing Money and Margin as to your identity (as required by federal law),
Trading. 2. the class is decertified; or
creditworthiness and ongoing eligibility for the
Account of the Account Holders, any other 3. the customer is excluded from the class by
All margin transactions are subject to our
person referred to on this Application, or any the court.
Disclosure of Credit Terms and Policies and our
Margin Disclosure Statement. You agree not to person who Schwab is later notified is Such forbearance to enforce an agreement to
enter an order for a margin transaction until you associated with or has an interest in the Account arbitrate shall not constitute a waiver of any
have read and understood the Disclosure of (as well as such persons' spouses if they live in a rights under this Agreement except to the
Credit Terms and Policies and the Margin community-property jurisdiction) at account extent stated herein.
Disclosure Statement. opening, at any time throughout the life of the
Section 15: Arbitration Agreement.
Account, and thereafter for debt collection or
All margin transactions are subject to our Any controversy or claim arising out of or
investigative purposes.
Disclosure of Credit Terms and Policies and our relating to (i) this Agreement, any other
Margin Disclosure Statement. You agree not to Section 14: Required Arbitration Disclosures. agreement with Schwab, an instruction or
enter an order for a margin transaction until you Regulatory authorities require that any authorization provided to Schwab or the breach
have read and understood the Disclosure of brokerage agreement containing a predispute of any such agreements, instructions, or
Credit Terms and Policies and the Margin arbitration agreement must disclose that this authorizations; (ii) the Account, any other
Disclosure Statement. agreement contains a predispute arbitration Schwab account or Services; (iii) transactions
clause. This Agreement contains a predispute in the Account or any other Schwab account;
Section 11: Loan Consent.
arbitration clause. By signing an arbitration (iv) or in any way arising from the relationship
You agree that property held in your Margin
agreement, the parties agree as follows: with Schwab, its parent, subsidiaries, affiliates,
Account, now or in the future, may be borrowed officers, directors, employees, agents or service
(either separately or together with the property 1. All parties to this Agreement are giving up
providers ("Related Third Parties"), including
of others) by us (acting as principal) or by others. the right to sue each other in court, including
any controversy over the arbitrability of a
You agree that Schwab may receive and retain the right to a trial by jury, except as provided
dispute, will be settled by arbitration.
certain benefits (including, but not limited to, by the rules of the arbitration forum in which
interest on collateral posted for such loans) to a claim is filed. This arbitration agreement will be binding upon
which you will not be entitled. You acknowledge and inure to the benefit of the parties hereto
2. Arbitration awards are generally final and
that, in certain circumstances, such borrowings and their respective representatives,
binding; a party's ability to have a court
could limit your ability to exercise voting rights or attorneys-in-fact, heirs, successors, assigns
reverse or modify an arbitration award is
receive dividends, in whole or in part, with and any other persons having or claiming to
very limited.
respect to the property lent. You understand that have a legal or beneficial interest in the
for property that is lent by Schwab, the 3. The ability of the parties to obtain Account, including court-appointed trustees
dividends paid on such property will go to the documents, witness statements and other and receivers. This arbitration agreement will

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

also inure to the benefit of third-party service the applicable deadline, the Majority-Public Section 17: Float.
providers that assist Schwab in providing Panel Rule for selecting arbitrators will apply. You agree that Schwab may retain as
Service ("Third-Party Service Providers") and compensation for services your Account's
All notices from one party to the other involving
such Third-Party Service Providers are deemed proportionate share of any interest earned on
arbitration shall be considered to have been
to be third-party beneficiaries of this aggregate cash balances held in Schwab's
fully given when so served, mailed by first-
arbitration agreement. bank account with respect to (1) assets
class, certified or registered mail, or otherwise
awaiting investment or (2) assets pending
The parties agree that this arbitration given by other commercially accepted medium
distribution from your Account. Such interest
agreement will apply even if the application to of written notification.
retained by Schwab shall generally be at money
open the Account is denied and will survive the
In addition to the above provisions, if a party to market rates. Schwab's receipt of such
closure of your Account and/or the termination
this Agreement is or becomes a non-U.S. compensation is further described in the
of services rendered under this Agreement.
resident at the time of any controversy subject Agreements and Disclosures.
Such arbitration will be conducted by, and to this arbitration agreement, such party
Section 18: Unclaimed Property.
according to the securities arbitration rules and acknowledges and agrees to the following
If no activity occurs in the Account within the
regulations then in effect of, the Financial additional provisions:
time period specified by applicable state law,
Industry Regulatory Authority (FINRA) or any
1. The rules of the organization administering the Account may be transferred to the
national securities exchange that provides a
the arbitration specifically provide for the appropriate state.
forum for the arbitration of disputes, provided
formal designation of the place at which the
that Schwab is a member of such national Section 19: Information About SIPC.
arbitration is to be held.
securities exchange at the time the arbitration To obtain information about Securities Investor
is initiated. Any party may initiate arbitration by 2. Entering into this Agreement constitutes Protection Corporation (SIPC), including an
filing a written claim with FINRA or such eligible consent to submit to the personal explanatory SIPC brochure, please contact SIPC
national securities exchange. If arbitration jurisdiction of the courts of the state of at www.sipc.org or 1-202-371-8300.
before FINRA or an eligible national securities California, U.S.A., to interpret or enforce any
exchange is unavailable or impossible for any or all of these arbitration provisions. Section 20: Impartial Lottery for Securities
reason, then such arbitration will be conducted Judgment on any arbitration award may be Subject to Partial Call or Partial Redemption.
by, and according to the rules and regulations entered in any court having jurisdiction, or If Schwab holds securities for you in street name,
then in effect of, the American Arbitration application may be made to such court for in Schwab's name, or in bearer form that are
Association (AAA). If arbitration before the AAA judicial acceptance of the award and an subject to partial call or partial redemption, then
is unavailable or impossible for any reason, the order of enforcement, as the case may be. in the case of a partial call or partial redemption
parties agree to have a court of competent Schwab will use an impartial lottery system to
jurisdiction appoint three (3) arbitrators to 3. The exclusive language to be used by the select the securities to be called or redeemed
resolve any and all disputes or controversies parties and the arbitrators in the arbitration from among accounts holding those securities.
between or among the parties. Each party shall proceedings shall be English. Any party For a description of Schwab's lottery system,
bear its own initial arbitration costs, which are wishing an interpreter shall make all please visit www.schwab.com/PartialCalls. If you
determined by the rules and regulations of the arrangements directly with the interpreter would like a printed description of Schwab's
arbitration forum. In the event of financial and shall assume all costs of the service. lottery system mailed to you, please contact a
hardship, the arbitration forum may waive 4. If a party is a foreign government or state, Schwab representative at 1-800-435-4000.
certain costs in accordance with such rules. At state-owned or state-operated enterprise or
the conclusion of the hearing, the arbitrators other instrumentality of a foreign
will decide how to assess the costs of the government or state, such party waives all
arbitration among the parties. rights of sovereign immunity and neither the
Any award the arbitrator makes shall be final Federal Act of State doctrine nor the
and binding, and judgment on it may be doctrine of sovereign immunity shall apply
entered in any court having jurisdiction. This insofar as any enforcement in courts located
arbitration agreement shall be enforced and in the U.S.A. is concerned.
interpreted exclusively in accordance with Section 16: Electronic Copies.
applicable federal laws of the United States, The electronically stored copy of your (or your
including the Federal Arbitration Act. Any costs, agent's) signature, any written instructions or
fees or taxes involved in enforcing the award authorizations, the Account Application and the
shall be fully assessed against and paid by the Agreement and Disclosures are considered to be
party resisting enforcement of said award. the true, complete, valid, authentic and
For FINRA arbitrations, FINRA will appoint a enforceable record, admissible in judicial,
single public arbitrator in customer cases administrative or arbitration proceedings to the
decided by one arbitrator. In customer cases same extent as if the documents and records
decided by three arbitrators, investors have the were originally generated and maintained in
option of choosing an arbitration panel with printed form. You agree to not contest the
two public arbitrators and one non-public admissibility or enforceability of Schwab's
arbitrator (Majority-Public Panel Rule) or a electronically stored copy of such documents in
panel of all public arbitrators (Optional any proceeding between you and Schwab.
All-Public Panel Rule). If the customer declines
to elect a panel selection method in writing by

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AEM11527257 (0125-NM6C) APP38165-35 (03/25)
Margin Disclosure Statement
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 discretion involve higher levels of risk; for example, higher limits may apply
margin fits your own investment philosophy. It is important that you fully for thinly traded, speculative or volatile securities, or concentrated
understand the risks, rules, and requirements involved in trading securities positions of securities.
on margin.
Schwab may increase its "house" maintenance margin requirements at
The following paragraphs highlight some of the critical aspects of margin any time and is not required to provide you with advance written notice.
trading: Changes in Schwab's policy regarding "house" maintenance margin
Margin trading increases your level of market risk. requirements often take effect immediately and can result in the issuance
of a maintenance margin call. Your failure to satisfy the call may cause
Margin trading increases your buying power, allowing you to purchase a
Schwab to liquidate or sell securities in your account.
greater amount of securities with your investing dollar. Therefore, your
exposure to market volatility increases—a declining market could result in Schwab retains absolute discretion to determine whether, when and in
even greater losses. A decline in the value of your securities that you what amounts we will require additional collateral. For example, we can
purchase on margin can require you to provide additional funds to Schwab require additional collateral if an account contains only one security or a
in order to avoid the forced sale of those securities or other securities in large concentration of one or more securities; or low-priced, thinly traded
your account. or volatile securities; or if some of your collateral is or becomes restricted
or non-negotiable or non-marginable. We may also consider market
Your downside is not limited to the collateral value in your margin conditions, your financial resources, or other factors deemed by us to be
account. relevant given the circumstances at the time.
When you buy securities on margin, you are borrowing money from
Schwab for part of your transactions. Securities and other assets in your You are not entitled to an extension of time on a margin call.
Schwab account(s) are pledged as collateral to secure this loan. These While an extension of time to meet margin requirements might be available
margin transactions are riskier and involve the possibility of greater loss to customers under certain conditions, a customer does not have a right to
than transactions where you are not borrowing money. If the securities in the extension.
your account decline in value, so does the value of the collateral Some accounts that carry a margin loan balance and hold dividend paying
supporting your loan. When the value of the collateral falls below the securities may receive a "substitute income payment in lieu of a
maintenance margin requirements, or Schwab's higher "house" dividend" (PIL). This payment may be taxable as ordinary income. Taxable
requirements, Schwab can move to protect its position. In order to cover accounts that receive a PIL instead of a qualified dividend may also receive
margin deficiencies, Schwab may issue you a margin call—a request for a supplemental credit from Schwab. This will be identified on customer
additional cash—or sell securities from your account. If a sale does not statements as a "Schwab substitute income credit." However, when
cover the deficiency, you will be responsible for any shortfall. Schwab can identify that a dividend is nonqualified, we will not credit your
Schwab may initiate the sale of any securities in your account, without account with this additional payment.
contacting you, to meet a margin call. • This credit is NOT "payment in lieu," and is unrelated to any payment from
Schwab will attempt to involve you in the case of margin deficiency; either the security issuer or the borrower.
however, market conditions can require the firm to quickly sell any of your
securities without your consent. Because the securities are collateral for • It is a discretionary credit from Schwab which may be discontinued in the
the margin loan, Schwab has the right to decide which security to sell in future with or without notice.*
order to protect its interests. Even if Schwab has contacted you and • It may be subject to tax at your ordinary income tax rate. Please consult
provided a specific date by which you can meet a margin call, the firm can your tax advisor about your specific tax situation.
still take necessary steps to protect its financial interests, including
immediately selling the securities without prior notice to you. • Because individual tax situations differ, Schwab cannot precisely
calculate the additional tax costs a client might incur. Therefore, we do
Schwab's "house" initial and maintenance margin requirements may not intend, nor should clients expect, for this payment to be an exact
exceed those established by the Federal Reserve Board and/or the reimbursement of any excess tax cost.
Financial Industry Regulatory Authority, Inc. Please call Schwab for current
margin requirements. *Please refer to the "Loan Consent" section of your Account Agreement
which states that no compensation is due in connection with such loans
Schwab retains the right to change its initial margin requirements at any and that Schwab "is not required to compensate you for any differential
time and without prior notice. We may also impose anytime and without tax treatment between dividends and payments in lieu of dividends."
prior notice more stringent requirements on positions that in our sole

Independent investment advisors are not owned by, affiliated with, or supervised by Charles Schwab & Co., Inc. ("Schwab").
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3883085 (0414-2124) REG95795-01 (02/20)
Schwab Bank Investor Checking™
Account Terms Page 1 of 1

These terms relate to your account and are part of the Schwab Bank Deposit Account Agreement between each account holder and Charles
Schwab Bank, SSB ("Schwab Bank"). Please read and retain for your files.

These account terms are an agreement between Schwab Bank and each 6. Acknowledge that my Investor Checking account is linked with my
account holder for an Investor Checking account. "I," "me" and "my" refer brokerage account maintained at Charles Schwab & Co., Inc., a
to each account holder. I: registered broker-dealer, and I authorize Charles Schwab & Co., Inc. to
follow the instructions set forth in this application, if applicable;
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 7. Authorize Schwab Bank to inquire from any source, including a
information provided in this application, and during the application consumer reporting agency, as to my identity (as required by federal
process, is true and correct; law), creditworthiness and ongoing eligibility for the account and other
information at account opening, at any time throughout the life of the
2. Acknowledge that Schwab Bank will provide me with the following
account, and thereafter for debt collection or investigative purposes; and
documents before account opening or before a service is provided:
(a) the Schwab Bank Deposit Account Agreement, which contains an 8. Understand that if no activity occurs in the account within the time
arbitration provision and the Terms and Conditions for the Schwab Bank period specified by applicable state law, the account may be transferred
Bill Pay™ service; (b) Schwab Bank's Facts: What Does The Charles to the appropriate state.
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® Platinum Debit Card and the Visa Debit Card
Agreement once the account is funded, which contains the terms and
conditions that apply to this card;
4. Acknowledge that, unless I specifically stated otherwise, 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 Investor Checking account upon account opening,
and acknowledge that Schwab Bank advises me to read all the
disclosure documents prior to opening or using my account;

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AEM11527257 (0125-NM6C) APP38165-35 (03/25)
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

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.

To help you understand the different account types offered by Schwab Bank, below is a summary. The type of account you select may determine
what happens to your account after your death. Your will may not control the disposition of funds held in some of the following accounts.

Please review the below information prior to selecting which account type to open.

Type of Account Description

Individual The party to the account owns the account. On the death of the party, ownership of the
account passes to his/her estate.

Note: You may choose a Payable on Death (P.O.D.) designation by adding a beneficiary on
your account. Please contact Schwab for the appropriate beneficiary form and submit it after
opening your account. If you add a P.O.D. beneficiary designation, ownership of the account
passes to the named beneficiaries upon your death.

Joint Tenants With Right of Survivorship The parties to the account own the account in proportion to the parties' net contributions to
the account. The financial institution may pay any sum in the account to a party at any time. If
one account owner dies, his/her interest passes to the surviving owner(s). Not available in
Louisiana or Puerto Rico.

Note: You may choose a Payable on Death (P.O.D.) designation by adding a beneficiary on
your account. Please contact Schwab for the appropriate beneficiary form and submit it after
opening your account. If you add a P.O.D. beneficiary designation, the ownership of the
account passes to the named beneficiaries upon death of the last surviving party.

Tenants in Common (Joint Tenants Without Right of The parties to the account own the account in proportion to the parties' net contributions to
Survivorship) the account. The financial institution may pay any sum in the account to a party at any time. If
one owner dies, his/her interest passes to his/her estate.

Community Property For married couples in AZ, CA, ID, LA, NM, NV, TX, WA, and WI only. Each spouse has a one-
half interest in the account assets. Laws vary by state.*

Trust Account The parties named as trustee(s) to the account control the account. Any named trustee may
withdraw funds from the account. The assets in the trust account do not become part of your
probate estate, meaning the assets will pass according to the terms of your trust and not your
Will (or state law if you don't have a Will).

To open a revocable trust account, visit https://www.schwab.com/open-an-account or

contact Schwab Bank for the appropriate application. To open an irrevocable living trust
account, contact Schwab Bank for the appropriate application.

Testamentary trust accounts are not offered by Schwab Bank.

*Thistype of account ownership may not be available in your state. It is your responsibility to determine if the ownership you select is available in
your state.

Questions? Call Schwab Bank toll-free: 1-888-403-9000.

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APP38165 Keith Simmons

Uploaded by

APP38165 Keith Simmons

Uploaded by

CLEAR PRINT

1. Choose Your Account Ownership (for Both Accounts)

2. Tell Us About Yourself (For Both Accounts)

KEITH JOSEPH SIMMONS

Regulations require that you provide us with your legal address.

Include mailing address if different from your home/legal address.

City State or Province Zip or Postal Code Country

The Next Two Questions Are Required by Industry Regulations

Investment Experience (Please select only one box.)

Annual Income (Please select only one box.)

Liquid Net Worth

Please select only one box.

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

Trusted Contact Designation

Name First Middle Last Suffix

Relationship (Please select only one.)

Mailing Address (no P.O. boxes) City

State or Province Zip or Postal Code Country

Telephone Number Mobile Number Email Address

Name First Middle Last Suffix

Relationship (Please select only one.)

Mailing Address (no P.O. boxes) City

State or Province Zip or Postal Code Country

Telephone Number Mobile Number Email Address

Name First Middle Last Suffix

Regulations require that you provide us with your legal address.

Home/Legal Address (no P.O. boxes) City State Zip Code

Include mailing address if different from your home/legal address.

Home Phone Mobile Phone Work Phone Extension

Email Address Mother's Maiden Name

Securities industry regulations require that we collect the following information.

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

Annual Income (Please select only one box.)

Liquid Net Worth

Please select only one box.

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

Trusted Contact Designation

Name First Middle Last Suffix

Relationship (Please select only one.)

Mailing Address (no P.O. boxes) City

State or Province Zip or Postal Code Country

Telephone Number Mobile Number Email Address

Name First Middle Last Suffix

Relationship (Please select only one.)

Mailing Address (no P.O. boxes) City

State or Province Zip or Postal Code Country

Telephone Number Mobile Number Email Address

3. Required Information About the Accounts

Salary/Wages/Savings Investment Capital Gains

Purpose of Your Schwab Brokerage Account (Check all that apply.)

4. Set Up Your Schwab One® Brokerage Account

No, do not add margin.

Paperless Document Enrollment

Deposit funds using the Schwab Mobile application.

Offer/Referral Code (if Applicable)

5. Schwab One® Brokerage Account Disclosure and Account Holder Signature(s)

The options below apply only to your Schwab Bank account.

6. Set Up Your Schwab Bank Investor Checking™ Account

No, do not enroll my account in Schwab Bank Bill Pay.

Available Cash The available cash features currently consist of:

Type of Account Description

To open a revocable trust account, visit https://www.schwab.com/open-an-account or

Testamentary trust accounts are not offered by Schwab Bank.

Questions? Call Schwab Bank toll-free: 1-888-403-9000.

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