Account Handbook

Keep this information handy. It’s your resource for details on investing and
contacting TD Ameritrade when you need questions answered. Read on to learn
more about the tools we offer to help you manage your investments.

Page 1 of 14
Table of Contents
Contact 3 Account History 8
Account Management 3 Courtesy Fill Notifications (CFNs) 8
Trading 3 Trade Confirmations 8
Stocks 3 Account Statements 8
National Securities Exchanges 3 Tax Documents 8
OTC and Bulletin Board Stocks 3 Tax-Related Platform Displays 8
Mutual Funds 3 Account Services 9
Exchange-Traded Funds 3 Dividends 9
Options 4 Dividend Reinvestment Program (DRIP) 9
Futures/Forex Trading 4 Symbol Changes, Splits, etc. 9
Bonds & CDs 4 Account Protection 9
Placing Trades 4 Cash Sweep Vehicle Choices 10
Placing Orders on Our Platforms 4 Custodial Services 10
Placing an Order by Mobile Device and Automated Agents 5 Account Deposit Information 10
Placing an Order with a Broker 5 Electronic Funding 10
Placing an Order by Phone 5 Acceptable Check Deposits 10
Commissions 5 Unacceptable Deposits 11
Stocks and Options 5 Wire Transfers 10
Mutual Funds 5 DTC Securities 11
Fixed Income 5 Availability of Newly Deposited Funds 11
Market Sessions 6 Stock Certificates 11
Regular Trading 6 Transferring an Account 12
Extended-Hours Trading 6 Fund Withdrawal Requests 12
Marketplace Rules 6 Updating Your Account Profile 12
Order Types 6 Changing Your Personal Information 12
Order Expiration Choices 6 Adding or Removing an Account Co-owner 12
Special Instructions 7 Adding Margin or Options Privileges to Your Account 12
Order Routing and Execution 7 Using the Website 12
Order Review 7 System Requirements 12
Order Verification 7 Display Settings 13
Editing and Canceling Orders 7 Pop-up Windows 13
Settlement of Trades 8 Home Page 13
®
Partial Fills 8 SnapTicket 13
Trading Restrictions in Cash Accounts 8 Interactive Voice Response (IVR)
Phone System Instructions 13
Trading Tools and Real-Time Quote
Subscription Prices 13

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CONTACT US National Securities Exchanges
As of 2018, National Securities Exchanges list over 8,000 securities for
Client Services investors to buy and sell. TD Ameritrade accepts orders for securities
Contact Client Services if you have questions about order status, listed on the national securities exchanges on the online trading ticket,
your account, trades, balances, safekeeping or reorganization over the phone, in the branch, or via mobile device. TD Ameritrade will
issues, and certificate requests. execute your trade by routing your order directly to an exchange or
through third-party market centers.
Email: [email protected]
Phone: 800-669-3900, 24 hours a day, seven days a week OTC and Bulletin Board Stocks
International Phone: 402-970-5805 TD Ameritrade accepts orders on OTCBB and pink sheet stock
orders on the online stock trading ticket. The types of orders that
Fax: 866-468-6268
can be placed for these securities are outlined in the OTCBB
TTY service (for hearing-impaired clients): 888-723-8503 Securities Trading Rules, which are available on our website.
Message Center: You can contact us directly from your account Orders on these types of securities may involve a greater
by sending a secure email to Client Services. Just log in to your investment risk, as these securities represent low-priced shares
account and go to Client Services > Message Center. that do not qualify to be traded on a national stock exchange for
various reasons. Instead, dealers trade these securities and are not
Contact Us by Mail required to make a market in the security or hold shares in inventory.
Please include your account number or tax identification number Because these securities are not always traded through automated
on all correspondence, checks, and stock certificates. To send or electronically linked execution systems, accurate quotes and
written correspondence regarding your TD Ameritrade account, immediate executions may not be available. It is not uncommon for
please use the following addresses: the manual execution process to take several minutes. For more
information, log in to your account and go to Trade > Stocks & ETFs,
Standard Delivery: then click the link to “OTCBB Securities Trading Rules.”
General questions and forms:
PO Box 2209, Omaha, NE 68103-2209 Mutual Funds
Regular check deposits: TD Ameritrade offers one of the largest mutual fund libraries in the
PO Box 2229, Omaha, NE 68103-2229 industry. We give you access to more than 13,000 mutual funds
and over 2,500 no-transaction-fee mutual funds.* We also provide
Individual Retirement Account (IRA) check deposits:
features designed to help make mutual fund investing convenient.
PO Box 2789, Omaha, NE 68103-2789
We offer systematic investment, single statements that consolidate
An IRA Deposit Slip is required. Log in to your account and go to all your TD Ameritrade mutual fund activity, and the ability to
Client Services > Forms & Agreements and print the IRA Deposit change your fund families with a single phone call. TD Ameritrade
Slip. OR call TD Ameritrade Client Services. will send a prospectus upon execution of a Buy or Exchange order.
Account applications and account transfers: Mutual funds are not marginable for the first 30 calendar days
PO Box 2760, Omaha, NE 68103-2760 following purchase.

Overnight Delivery: Before investing in a mutual fund, be sure to carefully consider

200 South 108th Ave, Omaha, NE 68154 the particular fund’s investing objectives, risks, charges, and
expenses involved. To learn how to obtain a prospectus containing
ACCOUNT MANAGEMENT this and other important information, please call a TD Ameritrade
representative. Please read the prospectus carefully before investing.
One of the reasons you chose a TD Ameritrade account is the
flexibility that self-directed investing offers. As a self-directed *No-Transaction-Fee (NTF) mutual funds are no-load mutual
investor, you are responsible for making sure your orders are funds for which TD Ameritrade does not charge a transaction fee.
correct, your account has enough funds, and your trades don’t TD Ameritrade receives remuneration from fund companies, including
violate securities regulations. And since you are in charge, you those participating in its no-load, no-transaction-fee program, for
are also liable for all market risk, liability, and account deficiencies. record-keeping, shareholder services, and other administrative and
We will do our very best to make sure your orders comply with the distribution services. The amount of TD Ameritrade’s remuneration
policies of our clearing firm and the markets, but ultimately, this is for these services is based in part on the amount of investments in
your responsibility. such funds by TD Ameritrade clients. No-transaction-fee funds and
Protect your own assets and privacy by never giving your Social other funds offered through TD Ameritrade have other fees and
Security Number (SSN), account number, personal identification expenses that apply to a continued investment in the fund and are
number (PIN), User ID, or password to any unauthorized party. described in the prospectus.

Exchange-Traded Funds
TRADING ETFs are baskets of securities that trade on an exchange like a
With TD Ameritrade, you can place trades for stocks, exchange- stock. ETF orders can be placed on the stock trading ticket or any
traded funds (ETFs), options, mutual funds, and bonds. of our trading platforms. These funds generally track established
market indices, commodities, currencies, sectors, or futures
Stocks contracts. ETFs also may include leveraged or inverse ETFs, which
You can trade nearly any stock on any domestic exchange, including are ETFs that seek to achieve a daily return that is a multiple or an
(but not limited to) blue chips on the New York Stock Exchange® inverse multiple of the daily return of a securities index. These funds
(NYSE), technology stocks on the NASDAQ®, over-the-counter also include actively managed ETFs that pursue active management
bulletin board (OTCBB) securities, and pink sheet securities. When strategies and publish their portfolio holdings on a daily basis.
trading stock, it is your responsibility to ensure you have sufficient Trading prices may not reflect the actual net asset value of the
cash or available funds before placing a Buy order or selling short. underlying investments. ETFs can entail risks similar to direct stock
You are also responsible for having the necessary shares in your ownership, including market, sector, or industry risks. Some ETFs
account before placing a closing order. Stock trades are settled may involve international risk, currency risk, commodity risk, and
within two business days after the transaction. interest rate risk.

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Be sure to carefully consider the particular ETF’s investing PLACING TRADES
objectives, risks, charges, and expenses involved before investing
TD Ameritrade gives you different ways to trade. Whether you
in an ETF. To learn how to obtain a prospectus containing this and
are at your desk or on the go, TD Ameritrade provides multiple
other important information, please log in to your account and visit
methods for you to submit your trades to the market quickly.
the Research & Ideas section or call a TD Ameritrade representative.
Please read the prospectus carefully before investing. Note: Market volatility, volume, and system availability may delay account
access and trade executions.

Options
Placing Orders on Our Platforms
TD Ameritrade offers an extensive array of order types for various
In addition to our websites, you can trade on other platforms,
options trading strategies.
including the thinkorswim trading platform.
Investment strategies that include options trading expose investors
thinkorswim®
to additional costs, increased risks, and potentially rapid and
Our most powerful trading platform delivers innovative trading
substantial losses. Please review Characteristics and Risks
tools and analytics—all in one downloadable application.
of Standardized Options before incorporating options trading
into your investment strategy. This booklet, published by the • Trade equities and options,* including three- and
Options Clearing Corporation, contains important information four-legged strategies
on standardized options and options markets. TD Ameritrade • Trade futures and forex
clients receive a copy of this booklet when they receive options
trading privileges. You can also receive this booklet by calling • Analyze charts with hundreds of customizable technical
Client Services at 800-669-3900, or by writing to TD Ameritrade, studies and drawing tools
PO Box 2209, Omaha, NE 68103-2209; and you can obtain an • Set up alerts based on price, technical indicators, and more
electronic copy of this booklet on the TD Ameritrade website. Log •S
 tudy the risk profile of your positions and analyze the profit/
in to your account and go to Trade > Options, then select the link to loss potential of any trade
“Characteristics and Risks of Standardized Options.”
• Scan for stocks based on fundamental or technical data,
Due to the inherent risks involved and the complexities of certain then save them in a watch list
options transactions, options are not suitable for all investors.
Industry regulations require certain conditions be met before • Practice trading without risking your own money
TD Ameritrade can extend options trading privileges. For additional using paperMoney®
requirements for options positions, and for our options exercise • See what other traders are doing on myTrade**
policy, consult the TD Ameritrade Margin Handbook. * Options involve risk and are not suitable for everyone as the special
risks inherent to options trading may expose investors to potentially
Futures/Forex Trading rapid and substantial losses. Prior to engaging in trades involving
TD Ameritrade, through its affiliate TD Ameritrade Futures & options, you should carefully read Characteristics and Risks of
Forex LLC, offers a broad array of futures and forex trading Standardized Options. Multiple-leg options strategies can entail
substantial transaction costs, including multiple commissions, which
tools and resources. Certain qualifications and permissions are
may impact any potential return. These are advanced option strategies
required for futures and forex trading. For more information about
and often involve greater risk, and more complex risk, than basic
account requirements, or to upgrade your account, please contact options trades.
TD Ameritrade Futures & Forex LLC’s Client Services department
**myTrade is a service provided by a separate but affiliated third-party
at 866-839-1100.
firm. In order to use the service, you must create a myTrade profile,
Futures and futures options trading is speculative and is not and conform to the myTrade terms of use. Any content shared by users
suitable for all investors. The risk of loss can be substantial. through myTrade is neither endorsed nor approved by TD Ameritrade.
Clients must consider all relevant risk factors, including their own Placing an Order on Our Website
personal financial situation, before trading. Our convenient, private, and secure trading website
Trading foreign exchange on margin carries a high level of risk, as (tdameritrade.com) provides around-the-clock access to
well as its own unique risk factors. Forex investments are subject your account, making it simple to manage your investments.
to counter-party risk, as there is no central clearing organization for Through our website, you can:
these transactions. •  Place orders
TD Ameritrade Futures & Forex LLC is compensated via •  Retrieve quotes
commission and/or spread on forex trades. Futures and forex •  Check balances
accounts are not protected by the Securities Investor Protection •  Check positions
Corporation (SIPC).
•  Review orders
Futures and/or forex trading privileges are subject to •  Save orders
TD Ameritrade Futures and Forex LLC review and approval. Not
all account owners will qualify. Forex accounts are not available to
residents of Ohio or Arizona.

Bonds & CDs

Fixed-income securities play a role in many portfolio strategies.
TD Ameritrade offers a large number of bond selections, including
U.S. Treasury, corporate, government, collateralized mortgage
obligations (CMOs), and municipal bonds. Buy orders for bonds
are subject to a five-bond ($5,000 par value) minimum. CD Buy
orders are subject to a two-CD ($2,000 par value) minimum.
For questions regarding our fixed-income products, contact our
fixed-income specialists at 800-934-4445.

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Placing an Order by Mobile Device and Automated Agents Stocks and Options
TD Ameritrade offers clients the ability to manage their accounts Stocks Options
through TD Ameritrade Mobile or TD Ameritrade Mobile Trader,
our two mobile trading applications, or by utilizing our Automated Internet orders: $0.00 $0.00
Agents in other mobile and desktop applications. These consist of (+$0.65 fee/contract)
tailored mobile applications for iPhone,® iPad,® BlackBerry,® and Interactive Voice
Android.TM We also offer a mobile website accessible by any device Response (IVR)
with a standard mobile web browser. phone orders: $5.00 $5.00
TD Ameritrade Mobile, TD Ameritrade Mobile Trader, and the (+$0.65 fee/contract)
Automated Agents allow you to place trades, retrieve real-time Broker-assisted market
quotes, view account positions, edit and cancel orders, check and limit orders: $25.00 $25.00
order status, access market information, and much more. (+$0.65 fee/contract)
The commission for online U.S. exchange-listed stocks, ETFs, Options exercise
and options trades is $0.00. A $0.65 per contract fee applies for or assignment: $0.00
options trades. A $6.95 commission applies to online trades of *A
 $6.95 commission applies to online trades of over-the-counter (OTC)
over-the-counter (OTC) stocks which includes stocks not listed stocks which includes stocks not listed on a U.S. exchange.
on a U.S. exchange.
**Index Options have additional fees as charged by the exchange. Please
To download a mobile application, go to the App store on your see the Index Option Fee section at the end of this document.
mobile device, or go to tdameritrade.com from your mobile device
and select Tools & Platforms > Mobile Trading.
Note: Market volatility, volume, and system availability may delay account Mutual Funds
access and trade executions.
Funds Price
Access to real-time market data is conditioned on acceptance of the
exchange agreements. Professional access differs.
No-Transaction-Fee Funds No commission
No-Load Transaction Fee Funds $49.99
Placing an Order with a Broker
Load Funds No commission†
Sometimes you might want to speak directly with a knowledgeable
broker when placing an order that requires special handling. Our TD Ameritrade receives remuneration from fund companies
brokers can place a trade for you and answer specific questions participating in its no-load, no-transaction-fee program for
about your trade. Please keep in mind that TD Ameritrade brokers recordkeeping and shareholder services, and other administrative
who assist you in only placing orders do not provide investment services. The amount of TD Ameritrade’s remuneration for these
recommendations or advice. If you would like guidance regarding services is based in part on the amount of investments in such
fixed-income products, you can ask any TD Ameritrade broker to funds by TD Ameritrade clients. No-transaction-fee funds have
refer you to the appropriate personnel. other fees and expenses that apply to a continued investment in
Call our staff of licensed, experienced brokers at 800-669-3900 the fund and are described in the prospectus. Only no-transaction-
24 hours a day, seven days a week. fee (NTF) funds (except Direxion, ProFunds, and Rydex) held 180
days or fewer will be subject to a Short-Term Redemption fee,
The fixed-income specialists who can facilitate bond trades
which will be a flat fee of $49.99. This fee is in addition to any fees
are available from 8 a.m. to 7 p.m. ET, Monday through Friday
addressed in the fund prospectus.
(excluding market holidays).
†The fund family may also charge fees as detailed in the fund prospectus.
Placing an Order by Phone
Fixed Income
The TD Ameritrade Interactive Voice Response (IVR) phone system
is designed to make managing your account easy, convenient,
Bonds Price
and economical—24 hours a day, seven days a week (no trading
on market holidays). Just call 800-669-3900 from any touch-tone Treasuries at auction Available Commission Free
phone, and the system will lead you through the quote and order All other bond trades On a net yield basis
process and prompt you to make appropriate entries using your
telephone keypad and voice commands. The system also lets
you receive real-time quotes. For more information regarding the CDs Price
IVR System please refer to the Interactive Voice Response Phone
New Issue On a net yield basis
System Instruction PDF located at: https://www.tdameritrade.com/
service/form-library.page. Secondary On a net yield basis
Note: TD Ameritrade cannot accept orders for stocks, options, mutual funds,
or bonds via U.S. mail, email, or fax. UITs Price
New Issue Placement fee from issuer
COMMISSIONS
TD Ameritrade provides a flat-rate commission schedule, regardless Secondary Placement fee from issuer
of how many shares you trade, and with no order handling fees.
TD Ameritrade may act as principal on any fixed-income
Trades executed in multiple lots on the same day are charged a
transaction. When acting as principal and receiving compensation
single commission. Trades partially executed over multiple trading
on a net yield basis, we will add a markup to any purchase, and
days are subject to any applicable commission charges for each
subtract a markdown from every sale. The markup or markdown
trading day.
will be included in the price and yield quoted to you. Bond and
CMO Buy orders are subject to a five-bond ($5,000 par value)
minimum. CD Buy orders are subject to a two-CD ($2,000 par
value) minimum.

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MARKET SESSIONS price below the current bid price. Stop orders for ETFs and for
NYSE, NASDAQ, and over-the-counter bulletin board (OTCBB)
Regular Trading securities are typically activated by a print (trade) at the stop
Trades are executed during normal market hours (currently price. Some advanced platforms will allow you to modify the
9:30 a.m. to 4 p.m. ET). If an order is placed after market hours, it order to activate off of a quotation. An options Sell-Stop is
will be sent to the marketplace for the next business day’s trading activated by the print (trade) price or ask/offer price. An options
session. Options market hours are generally 9:30 a.m. to 4:15 p.m. Buy-Stop is activated by the bid price, or a print (trade). Stop
ET. Most equity and narrow-based index options stop trading at 4 orders are accepted on listed stocks, NASDAQ (NMS) stocks,
p.m., and broad-based index options stop trading at 4:15 p.m. TD and most options.
Ameritrade accepts market, limit, stop, and stop-limit option orders
during regular market hours. Outside of regular market hours, Note: Stop prices are not guaranteed execution prices.
market option orders for opening transactions are not permitted. •  Stop market – A “stop market order” becomes a “market order”
Mutual fund orders placed after a specific fund’s cutoff time will when the “stop price” is reached and firms are required to execute
usually receive the following business day’s net asset value (NAV). a market order fully and promptly at the current market price.
Therefore, the price at which a stop market order ultimately is
Extended-Hours Trading executed may be very different from your “stop price.” Accordingly,
TD Ameritrade offers pre-market and after-hours trading sessions while you may receive a prompt execution of a stop order that
as well as an overnight session for a limited number of securities. becomes a market order, during volatile market conditions, the
The AM session is from 7 a.m. through 9:28 a.m. ET, Monday execution may be at a significantly different price from the stop
through Friday. The PM session is from 4:02 p.m. through 8 p.m. price if the market is moving rapidly.
ET, Monday through Friday (excluding market holidays).†† This
•  Stop limit – A “stop limit” order becomes a “limit order” when
service allows clients to trade more than 8,000 equity securities
the stock reaches the “stop price.” A “limit order” is an order to
outside of normal market hours. The Extended Hours Overnight
buy or sell a security for an amount no worse than a specific
session contains all sessions from 8 p.m. until 8 a.m. ET, Sunday
price (i.e., the “limit price”). By using a stop limit order instead
through Friday, for a limited number of securities.
of a stop market order, you will receive additional certainty with
•  To place an Extended-Hours Trade, log in to your account and go respect to the price that you receive for the stock. However, you
to Trade > Stocks & ETFs. Then select “Extended AM”, “Extended also should be aware that, because brokers cannot sell for a
PM”, or EXTO (Extended Overnight) from the Time-in-Force menu. price that is lower (or buy for a price that is higher) than the limit
You can also select “Day + extended hours” or “GTC + extended price selected, there is the possibility that the order will not be
hours” to place an order that is active for both the regular and executed at all. Generally you should use limit orders in cases
Extended-Hours Trading sessions, 7 a.m. through 8 p.m. ET. In where you want to prioritize achieving a desired target price more
addition, you can select GTC + EXTO to place an order that is than getting an immediate execution irrespective of price.
active for all sessions until either filled, canceled, or expires. You
can enter the date you would like your GTC+ EXTO order to be Stop orders may be triggered by a short-lived, dramatic price
canceled, up to six months from the date the order was placed. change. During periods of volatile market conditions, the price of
Extended-Hours Trading is subject to unique risks and rules that a stock can move significantly in a short period of time and trigger
are different from the normal trading session, including different an execution of a stop order (and the stock may later resume
procedures for placing trades. Please review the Extended-Hours trading at its prior price level). You should understand that if your
Trading rules before you decide to participate. stop market order is triggered under these circumstances, there
may be a sell at an undesirable price even though the price of
††The closing time for Extended-Hours Trading is subject to change.
the stock may stabilize during the same trading day.

MARKETPLACE RULES Sell stop orders may exacerbate price declines during times
of extreme volatility. The activation of sell stop orders may add
Orders are accepted subject to the rules and policies of the various downward price pressure on a security. If triggered during a
exchanges and execution points. Marketplace rules also differ
precipitous price decline, a sell stop market order also is more
between normal and Extended-Hours Trading sessions. If an order
likely to result in an execution well below the stop price.
is rejected, TD Ameritrade may attempt to contact you. It is important
that you maintain your TD Ameritrade profile with a current phone Trailing Stop – Trailing Stops are orders entered with a stop
• 
number and email address. For more information on updating your parameter that creates a moving or “trailing” activation price. Sell
personal contact information, please see “Updating Your Account Trailing Stop orders may help you control risk on open positions
Profile” on Page 12. by allowing you to enter a stop order with an activation price that
changes with the market. The Stop order works with a ratchet
Order Types effect, trailing price movements, in a positive direction only. For
Select the order type from the following choices: Sell Trailing Stops, the activation price only moves upward. For
Buy Trailing Stops, the activation price only moves downward.
•  Market – Choosing “Market” for the order type indicates that you If the price reverses direction, the Stop remains at its previous
wish to seek an immediate execution for your order at the next level and will be activated if the price reverses by more than the
available market price. number of points or percent specified.
Limit – Choosing “Limit” for the order type indicates that you
•  Trailing Stop (%) – For a Trailing Stop based on a percent,
• 
wish to seek the purchase or sale of a stock at a specific price enter the percentage amount to trail the current price. A whole
or better. Please remember that stocks and options can trade on number between 1 and 99 can be entered as the trail amount.
multiple exchanges, but an order can only be placed with one
exchange or market maker. Therefore, your order is entitled to Trailing Stop ($) – For a Trailing Stop based on points,
• 
be filled in the marketplace with which it was placed. Be careful enter a dollar amount to trail the current price. The trail
not to assume your order has been executed simply because the amount entered should be a minimum of one cent ($.01)
stock or options trade at the price specified in your limit order. If and no greater than the current bid (if a sell).
the security trades through your price, contact a TD Ameritrade
representative for a possible confirmation. Order Expiration Choices
After you have selected an order type, select the expiration for the
•  Stop – When placing a Stop order to buy, enter a stop price
order. Your choices for expiration include:
above the ask price. When placing a Stop order to sell, enter a

Page 6 of 14
• Day – A Day order entered after 9:30:00 a.m. and before AON/DNR – Choosing “AON/DNR” means you wish to
• 
4:00:00 p.m. ET is valid until 4:00:00 p.m. ET that day. A Day order specify the instructions for both all-or-none and do-not-reduce
entered between 4:00:01 p.m. and 9:29:59 a.m. ET is valid from instructions (see above). To use this command, select “GTC” as
9:30:00 a.m. to 4:00:00 p.m. ET the next regular market session. the order expiration.
•  Day + Extended Hours – Orders placed after 12:00:00 a.m. and
before 6:59:59 p.m. ET and marked as Day + Ext. are valid between Order Routing and Execution
7:00:00 a.m. and 8:00:00 p.m. ET that day. A Day + Ext. order placed Unless you specify the market for execution, TD Ameritrade will
between 8:00:00 p.m. and 6:59:59 a.m. ET is valid between 7:00:00 decide where to route your orders for execution.
a.m. and 8:00:00 p.m. ET the next market day. Because some We consider a wide variety of factors in determining where to
exchanges begin matching orders prior to 7 a.m., an order with an direct your orders, such as execution price, opportunities for price
expiration of Day + Ext. might execute before 7 a.m. improvement (which happens when an order is executed at a price
• GTC (Good Till Canceled) – A GTC order lasts until it is completed that is more favorable than the displayed national best bid or offer),
or canceled. You can enter the date you would like your GTC order market depth, order size and trading characteristics of the security,
to be canceled, up to six months from the date the order was placed. efficient and reliable order-handling systems and market center
The order is valid between 9:30:00 a.m. and 4:00:00 p.m. ET. If you service levels, speed, efficiency, accuracy of executions, and the
specify a date, the order will expire at 4:00:00 p.m. ET on that day. If cost of executing orders at a market.
the date you specify is a market holiday or a weekend, the expiration If you instruct us to route your order to a particular market
date will automatically become the last valid market date before for execution (“Direct Routing”), and we accept your order
that date. Please check the “Order Status” page to see the updated and instruction, we are not required to make a best-execution
expiration date. determination beyond executing the order promptly and in
• GTC + Extended Hours – A GTC + Ext. order works the same way accordance with the terms of your order. Instructions to direct your
as a GTC order, except it also includes Extended-Hours Trading order to certain market centers could incur additional fees.
sessions each day. GTC + Ext. orders are valid from
7 a.m. through 8 p.m. ET. Because some exchanges begin matching Order Review
orders prior to 7 a.m., an order with an expiration of GTC + Ext. might TD Ameritrade reserves the right to review orders before sending
execute before 7 a.m. If you specify a date, the order will expire them to the market to ensure they comply with the rules and policies
at 8:00:00 p.m. ET on that day. If the date you specify is a market of TD Ameritrade and the securities markets. The order review
holiday or a weekend, the expiration date will automatically become process may delay the routing of orders to exchanges or market
the last valid market date before that date. Please check under makers. If it is determined that processing or executing the order
“Order Status” on the Trade menu to see the updated expiration date. poses an unreasonable risk to our clients or our firm, or that it could
• Extended (Ext.) AM – An Ext. AM order is valid only between disrupt the market or our operations, the order will be canceled.
7:00:00 a.m. and 9:27:59 a.m. ET. Orders marked as Ext. AM and
placed after 9:27:59 a.m. and before 7:00:00 a.m. ET the next day are Order Verification
only active for the next AM Extended-Hours Trading session. To avoid an error or misunderstanding, your orders placed by phone
will always be read back to you for your review and acceptance.
 Note: AM extended-hours orders received between 9:28 a.m. and 9:30 a.m.
When an order is placed on our website, you will be presented with
ET may be rejected or canceled as too late to enter for the AM Extended-Hours
a review screen, unless you activate Express Trading.
Trading session. Extended-hours orders received after this time may be routed
for the following AM Extended-Hours Trading session. Be sure to verify your Note: You should review the order accuracy and, if necessary, make any
corrections before placing the order. This step is very important. Your order
order status online.
will be placed exactly as it was read back by the broker or phone system, or
• Extended (Ext.) PM – An Ext. PM order is valid only exactly as it appeared on the order read-back screen on our website.
between 4:02:00 p.m. and 8:00:00 p.m. ET. Orders marked as Ext.
In all circumstances, it is your responsibility to make sure order
PM and placed after 8:00:00 p.m. and before 4:02:00 p.m. ET the
information is correct, that the execution of an order does not
next day are only active for the next PM Extended-Hours Trading
conflict with any outstanding orders placed within either trading
session.
session, and that the account has sufficient funds to purchase—or
• Extended (Ext.) Overnight (Limited Securities Offered) – An EXTO the shares or the position to sell—the specified asset. You should
order is valid for all sessions between the hours of 8:00:00 p.m. and share any potentially relevant information with the broker.
8 a.m. ET, Sunday through Friday.
• GTC + Extended (Ext.) Overnight (Limited Securities Offered) A Editing and Canceling Orders
GTC + EXTO order is valid for all sessions for 24 hours until the Open orders can be edited and canceled through the TD Ameritrade
order is either filled, canceled, or expires. You can enter the date you website, our IVR phone system, or with a TD Ameritrade broker. It is
would like your GTC+ EXTO order to be canceled, up to six months important to remember that all orders are considered new unless we
from the date the order was placed. are instructed to cancel a previous order.
Editing an order. An order can be edited only to change the
• 
Special Instructions terms of an existing order. The marketplace must receive the
You may specify any of the following special instructions: information and make the change before the original order is
• AON (all-or-none) – Choosing “AON” indicates that you want your executed in full. If this does not occur, the edited order will be
order to be executed in its entirety or not at all. canceled. If the original order is partially executed, then any
remaining shares of the original order will be processed in the
 Note: AON orders have the lowest priority in the market.
marketplace in accordance with the terms of the edited order.
•  DNR (do-not-reduce) – Choosing “DNR” indicates that you want You will be charged any applicable commission when the original
your order to be executed without reducing the limit price to reflect order is executed and any separate commission when the edited
future dividend declarations. To use this command, select “GTC” as order is executed. The order will also be charged separate
the order expiration. commissions if the order executions take place in more than one
•  FOK (fill-or-kill) – Choosing “FOK” indicates that you want the trading session.
immediate purchase or sale of a specified amount of stock at a  Note: Some orders cannot be completely filled at one time (due to share
specified price. If the order cannot be filled immediately and in its availability), so you may receive partial executions throughout the day
entirety, it is automatically canceled. or (in the case of a GTC order) over the course of several days. Trades

Page 7 of 14
 executed in multiple lots on the same trading day are charged a single • If the client sells Company C prior to the settlement of the
commission. Trades partially executed over multiple trading days are subject original sale the transaction would be deemed a good faith
to commission charges for each trading day. violation as the Company C stock was sold before the account
 For example, suppose you place an order to sell 1,000 shares of XYZ. On day had sufficient funds to fully pay for the purchase.
one, you receive a fill of 500 shares. On day two, you receive one fill of 300
shares and another fill of 200 shares. Two commissions will be charged—one
Trading in the aforementioned manner in a cash account may
for the fill on day one and one for the two fills on day two. If you choose to result in a 90-day restriction, limiting purchases to the settled
cancel the order after day one, only one commission will be charged. cash in the account on the trade date. In addition, all opening
transactions must be placed with a broker to ensure settled cash
Canceling an order. Requests for cancellations must be
• 
is available for the trade. These restrictions may be avoided
received and processed by the exchange or market maker. If the
by depositing funds to your account, combining accounts, or
marketplace has executed the original order, the order will not
converting to a margin account.
be canceled because the executed order is “too late to cancel.”
Under normal circumstances, market orders cannot be canceled Note: Margin trading increases risk of loss and includes the possibility of
a forced sale if account equity drops below required levels. Margin is not
if the stock or underlying asset is trading.
available in all account types. Carefully review the Margin Handbook and
 Note: Please call Client Services for a “definite out” before you place other Margin Disclosure Document for more details. ACCOUNT HISTORY
orders. Otherwise, you are responsible if the account exceeds its available
funds or oversells a position. Courtesy Fill Notifications (CFNs)
TD Ameritrade also provides a Courtesy Fill Notification for each
Settlement of Trades trade. Although it is not a legal trade confirmation, it is usually a
Federal securities regulations require stock and bond trades to much faster way to receive notification of a completed trade. A
be settled within two business days after the transaction. Under CFN notifies you of your trade execution as soon as possible via
special circumstances, more stringent requirements can be email. To designate how you would like to receive confirmations
implemented. Options, most mutual funds, and some U.S. Treasury and CFNs, log in to your account and go to Client Services >
securities are settled the next business day. My Profile > General and make your selections in the
“Communication” section.
Partial Fills Trade Confirmations
A partial fill is an order executed with fewer shares (or options Each time an order is executed, you will receive a legal trade
contracts) than specified by the order quantity. Trades executed confirmation as required by industry regulations. This confirmation
in multiple lots on the same trading day are charged a single is not a bill. It’s a record of your transaction. Please examine your
commission. Trades partially executed over multiple trading days confirmation carefully and contact TD Ameritrade Client Services
are subject to separate commission charges for each trading day. within two business days of receiving the confirmation if you have
If the order is edited after the first partial fill, additional commission any questions. There is no charge for confirmations.
charges may apply—see “Editing and Canceling Orders” on Page Account Statements
7 for more information. If you would like to receive monthly or quarterly paper statements
via U.S. mail, you will be assessed a $2 fee per statement. Client
Trading Restrictions in Cash Accounts accounts with a liquidation value of $10,000 or more can receive
Under applicable interpretations issued by the staff of the Board of monthly or quarterly paper statements at no charge. If you
Governors of the Federal Reserve System, cash account clients would like to receive electronic statements each month, you can
are prohibited from making a practice of selling securities prior to subscribe to this service at no cost. You will receive an email at
making full cash payment for their prior purchase. Such payment the beginning of each month notifying you that your statement
can be made using existing cash in the account, the proceeds is available online. Certain types of activity require a monthly
of settled sales of fully paid-for securities, and additional cash statement, either electronically or via U.S. mail.
deposits. Proceeds of a sale may not be included as cash before Note: You may request replacement copies of paper statements via U.S. mail
the settlement date if the shares being sold have not been fully for $5 per copy.
paid for.
The following hypothetical examples illustrate activities that will Tax Documents
result in an account being restricted: TD Ameritrade will send a 1099 Form no later than February 15 for
reporting the previous year’s activity.
Example #1:
• A client is holding $10,000 in a cash account. The client then Tax-Related Platform Displays
makes the following transactions: Tax lot and performance reporting is made available by
• The client buys a position in Company A for $10,000, applying TD Ameritrade on our platforms for general reference and
education purposes. TD Ameritrade is not responsible for the
the $10,000 in cash to pay for the purchase.
reliability or suitability of the information for those securities
• The client then sells that position in Company A and nets at least that are not “covered.” However, for those securities defined as
$10,000 in sale proceeds. “covered” under current IRS cost basis tax reporting regulations,
• If the client sells Company A prior to the settlement of the TD Ameritrade is responsible for maintaining accurate basis and
buy, the client will be unable to use the proceeds of the sale to tax lot information for tax reporting purposes. TD Ameritrade
make another purchase. If the original buy has settled the sale uses the services of GainsKeeper to do so and may display
GainsKeeper’s information to its clients in various ways.
proceeds are free to use.
TD Ameritrade is solely responsible for the accuracy of tax lot
Example #2: basis information it makes available to its clients for “covered”
• Client has a position in Company B and $0.00 cash available, securities, whether through the Gainskeeper system or otherwise.
then makes the following transactions: TD Ameritrade does not provide tax advice. You may wish
to consult independent sources with respect to tax lot and
• The client sells Company B and nets $10,000 in cash proceeds. performance reporting.
• The same trading day, the client buys Company C stock for
$10,000.

Page 8 of 14
Current profit and loss calculations for trades are also presented •  You can now sell fractional shares of a position.
on our various platforms. Such calculations do not reflect
transaction costs, which will impact actual results. °  In order to do so, you will need to sell all of your whole
shares in that position.

ACCOUNT SERVICES ° n so doing, you will also sell off the remaining fractional
  I
shares in that position.
Dividends
• You will now be able to view fractional share amounts of stock.
When a company declares a dividend, it establishes a date on
which the shareholders of record are entitled to receive the ° Fractional share amounts are not displayed on the
dividend. This “record date” is established for the administrative “Order Status” page. To view fractional shares, log into
purposes of the corporation. The first day a stock trades without your account and go to My Account > Positions.
the declared dividend is called the “ex-dividend day.”
How Do I Enroll?
On the ex-dividend day, the opening price of the stock is adjusted
It’s easy to enroll in the program. Just log in to your account at
to reflect the fact that shareholders are no longer entitled to receive
tdameritrade.com and go to Client Services > Message Center
the dividend payment. This is done by lowering the price of the
to send us a secure message or call Client Services at
security by the amount of the dividend. If you buy a stock on or
800-669-3900.
after the ex-dividend day, you have bought it without the dividend.
If you sell stock on or after the ex-dividend day, you are entitled to Information provided is for general information purposes only
receive the dividend. and should not be considered an individualized recommendation
Open Buy-Limit, Sell-Stop, and Sell-Stop-Limit orders are or advice. Please consult other sources of information and
automatically adjusted for the dividend to the nearest penny, consider your individual financial position and goals before
unless you specify DNR (do-not-reduce) when the order is placed. making an independent investment decision.
All dividends collected for your account through the month are held Past performance of a security does not guarantee future
in the account unless you contact TD Ameritrade and instruct us to results. All investments involve risk, including loss of
pay them out. In these cases, the dividends are collected and paid principal invested.
out once at the end of the month. A check will be automatically
sent only if the accrued dividends total $10 or more. Symbol Changes, Splits, etc.
All eligible distributions, including regular and optional dividends, It is important to note that if you place an order on either a stock
and capital gains distributions, will be paid to the account in cash or an option that has had a reverse split, forward split, symbol
unless the account has been enrolled in TD Ameritrade’s Dividend change, etc., your positions may not be updated immediately. It is
Reinvestment Program (DRIP). Once the account is enrolled in your responsibility to be aware of the date on which such action is
DRIP, eligible distributions will be processed in accordance with the effective, to identify the type of split or change on the stock, and to
dividend reinvestment instructions. provide correct instructions (including accurate symbol and quantity
information) when placing an order. TD Ameritrade is not responsible
Dividend Reinvestment Program (DRIP) for notifying you of such actions regarding a security, and is not
TD Ameritrade’s Dividend Reinvestment Program (DRIP) responsible for any resulting deficiencies or other consequences.
allows you to easily and automatically reinvest dividends at no
cost. There are no commissions or service fees for participating Account Protection
in the program. Your protection is our priority. That is why we’ve made substantial
Reinvesting dividends over time can have a significant and investments in leading-edge security software, systems, and
positive impact on your overall return. Dividend reinvestment procedures. While no security system is absolutely impenetrable,
provides you with potential earnings on your earnings, which may we are constantly reviewing, refining, and upgrading our
increase your returns significantly in the long run. There are no infrastructure as new tools and techniques become available.
complicated decisions to make and no need to determine where Beyond the threats from hackers and cyber-criminals, TD Ameritrade
to reinvest the money. Your portfolio keeps growing in the stocks also offers you asset protection against brokerage insolvency.
you’ve already chosen. TD Ameritrade is a member of the Securities Investor Protection
Corporation (“SIPC”), which protects securities customers of its
How Does It Work? members up to $500,000 (including $250,000 for claims for cash).
DRIP offers automatic reinvestment of shareholder dividends Explanatory brochure is available on request at www.sipc.org.
into additional shares of the company’s stock. This allows
shareholders to accumulate capital over the long term by Additionally, TD Ameritrade provides each client $149.5 million
continually reinvesting all dividend payouts. worth of protection for securities and $2 million of protection
for cash through supplemental coverage provided by London
Over 5,000 U.S. exchange-listed stocks and most American insurers. In the event of a brokerage insolvency, a client may
Depositary Receipts (ADRs) are eligible for the program. It is receive amounts due from the trustee in bankruptcy and then
available for most common stocks, preferred stocks, and closed- SIPC. Supplemental coverage is paid out after the trustee and
end funds. Most cash distributions (including regular and optional SIPC payouts, and under such coverage each client is limited
dividends) and capital gains distributions can be reinvested. to a combined return of $152 million from a trustee, SIPC, and
You may choose between full and partial enrollment in the London insurers. The TD Ameritrade supplemental coverage has
program. With full enrollment, dividends from all eligible stocks an aggregate limit of $500 million over all customers. This policy
in your account will be reinvested. All future eligible stocks provides coverage following brokerage insolvency and does not
purchased after enrollment will be set up for DRIP automatically. protect against loss in market value of the securities. Ask for details
Or you can opt for partial reinvestment and choose which at [email protected]. Accounts are not covered by
eligible stocks you want included. the Federal Deposit Insurance Corporation (FDIC) and are not a
deposit to, obligation of, or guaranteed by any financial institution.
What’s New? Note: Non-deposit investments purchased through TD Ameritrade are not
•  More stocks than ever are eligible for this program. insured by the FDIC, are not obligations of or guaranteed by any financial
• You can now accumulate fractional shares in a position. institution, and are subject to investment risk and loss that may exceed the
principal invested.
(Formerly, DRIP purchased only whole shares.)

Page 9 of 14
Cash Sweep Vehicle Choices When depositing a check, make it payable to TD Ameritrade
TD Ameritrade offers a cash sweep program to enable you to earn Clearing, Inc., unless otherwise stated in the rules that follow
interest on cash balances in your TD Ameritrade account. Cash this paragraph. Be sure to include your TD Ameritrade account
in your account can be held in a TD Ameritrade FDIC Insured number on your check. An IRA Deposit Slip should be included
Deposit Account (IDA), a deposit account held at one or more with all IRA deposits to ensure deposit for the correct tax year.
banks (“Program Banks”), where they may be eligible to be insured To download deposit slips from our website, log in to your account
by the Federal Deposit Insurance Corporation (FDIC) against bank and go to Client Services > Forms & Agreements.
failure for up to $250,000 per depositor, per bank. Funds held as
TD Ameritrade Cash for the purpose of purchasing securities or Acceptable Check Deposits
held in a portfolio margin account carried as a securities account Here are some rules about checks that TD Ameritrade can accept
are protected by SIPC. Additional cash sweep choices may be for deposit. Please refer to these rules to prevent your check from
available based on cash balance amount and account type. You being returned to you. TD Ameritrade reserves the right to verify
can view current interest rate information for these products at funds before posting checks to your TD Ameritrade account.
https://www.tdameritrade.com/pricing/margin-and-interest-rates.page.
Payable terms. Checks must be payable in U.S. dollars through
• 
It is important to monitor the total amount on deposit to determine a U.S. bank.
eligibility for FDIC coverage. Other accounts held at Program banks
Personal checks. Only checks drawn from a personal checking
• 
are incorporated in the total amount on deposit for FDIC coverage.
account titled identically to the TD Ameritrade account you are
funding are accepted.
Custodial Services
For safety and trading convenience, TD Ameritrade provides Checks from joint checking accounts. Checks written on joint
• 
safekeeping for securities in your account through TD Ameritrade checking accounts can be deposited into the brokerage account
Clearing, Inc., our clearing firm. Most securities are held at The of either party. Checks from an individual checking account can
Depository Trust and Clearing Corporation. There is no charge for be deposited into a TD Ameritrade Joint account if the individual
this service, which protects securities from damage, loss, and theft. on the checking account is one of the account owners.
Cashier’s checks. Cashier’s checks can be used when the
• 
ACCOUNT DEPOSIT INFORMATION remitter’s name is printed on the check by the bank. The name
Funds can be deposited electronically, by wire, or by check. You on the check and the TD Ameritrade account title must match.
can also deposit securities by certificate or by transferring them
Third-party checks. Third-party checks (such as a check from a
• 
from another brokerage account. You can access most of these
spouse, business, etc.) are acceptable only if they are: (1) made
services online by logging in to your account and going to My
out to the brokerage account owner and are endorsed payable
Account > Deposits & Transfers.
to “TD Ameritrade Clearing, Inc.” on the back of the check; or (2)
Electronic Funding made out to “TD Ameritrade Clearing, Inc. FBO (for the benefit of)
Electronic funding provides a convenient way to automatically [the brokerage account owner and the brokerage account number].”
deposit or withdraw funds from your account.* The initial process •  Investment club checks. Investment club checks should
to set up your bank account information for electronic funding may be drawn from a checking account titled in the name of the
take four to five business days. Once you’ve enabled electronic investment club. If a member of the investment club remits
funding, you can make a one-time deposit or withdrawal, or even a personal check, the check must be made payable to
set up recurring deposits to move funds into your brokerage “TD Ameritrade Clearing, Inc. FBO [investment club name].”
account on a regular basis.
•  Acceptable Foreign Instruments (Checks written on Canadian
• Funds for deposit will be posted the next business day if the Banks only).
request is submitted before 5 p.m. ET on a business day. Deposit
requests submitted after 5 p.m. ET or on weekends/holidays will Please make check payable to TD Ameritrade Clearing, Inc. We
be posted the second business day. accept checks payable in U.S. dollars and through a U.S. bank,
as well as checks written on Canadian banks.
• Withdrawal requests before 4:30 p.m. ET on a business day will
be deposited in the receiving account the next business day. • Acceptable Foreign Instruments (Checks written on Canadian
Requests after 4:30 p.m. ET or on weekends/holidays will be banks only).
deposited in the receiving account the second business day. TD Ameritrade receives a referral fee from a third-
party service provider on eligible currency exchange
• A return fee will be charged for each request rejected by your transactions. To facilitate the currency exchange process,
bank due to insufficient funds. banks receive revenue based on an assessed currency
• The maximum cumulative dollar amount (from one or more markup rate.
electronic transactions involving one or more banks) for By Depositing a foreign instrument, you:
electronic deposits per TD Ameritrade account is $250,000 per Agree to indemnify and hold TD Ameritrade and the third
day. The minimum amount of an electronic deposit is $1. party service provider, harmless from any and all losses,
• Funds must post to your account before you can trade with costs, claims, or financial obligations that may arise from any
them; they typically post 1-2 business days after TD Ameritrade act or omission with respect to your account and from any
receives your check or electronic deposit. TD Ameritrade and all losses, costs, claims, or financial obligations that may
restricts withdrawals and trading of certain securities until your arise from acting upon the instructions provided herein.
deposit clears, which can take an additional 4-5 days for checks Certify that (i) you have the authority to enter into the
or 2-4 days for electronic deposits (wire transfers are available transactions set forth above; and (ii) you understand that
immediately). TD Ameritrade determines the securities you can’t transactions are governed by an account agreement executed
trade based on market risk; these include, but aren’t limited to, by the account owner with TD Ameritrade (the “Agreement”).
stock options, some foreign securities, and most stocks priced
under $5 per share. All electronic deposits are subject to review You understand and agree that the third party service
and may be restricted for 60 days. provider, will convert the funds into U.S. Dollars using the
conversion rate and transmit the proceeds to the designated
*Electronic funding is not available in some retirement accounts. Not all recipient. You also acknowledge and agree that TD Ameritrade
financial institutions participate. You may be charged an electronic funding
cannot guarantee when the service provider will post the
return fee if your bank rejects an electronic funding transfer.

Page 10 of 14
funds for credit, and this process may take several days, *For benefit of:
during which the funds will be held by the service provider Your nine-digit TD Ameritrade account number
in its bank account commingled with other assets of that Your name
provider, and while there: (i) are not protected by SIPC or Your address
TD Ameritrade’s excess SIPC coverage, (ii) will not bear * Required for timely and accurate processing of your wire request.
interest and (iii) will not be eligible for other earnings credits.
Contact TD Ameritrade, and not the banks, with questions about
wire transfers.
Unacceptable Deposits
There are certain types of deposits that TD Ameritrade cannot Note: Requests to wire funds into your TD Ameritrade account must be made
with the financial institution from which the funds are being wired. Please
accept, including:
have the bank include the sender’s name on the wire. This information must
•  Coin or currency be included for the transfer to be credited to your account. A rejected wire may
• Money orders, specifically issued from Western Union, Postal incur a bank fee. Wires drawn from joint bank accounts can be deposited into
Service and MoneyGram. either account owner’s brokerage account. All wires sent from a third party are
subject to review, require verification prior to acceptance, and may be returned.
•  Traveler’s checks Third-party foreign wires and wires from Western Union are not accepted.
• Any instruments from a foreign bank (such as checks, money
Outgoing Wires
orders, traveler’s checks, and drafts).
You can withdraw funds from your TD Ameritrade account via wire
•  Thrift withdrawal orders transfer. How to complete a wire transfer depends on the type of
•  Domestic drafts account you are transferring from and to.
•  Checks endorsed by more than one person Like-Titled Accounts Wires – If the account title at the receiving
• Checks referring to more than one TD Ameritrade account bank is titled exactly the same as your TD Ameritrade account (or
(We will not split proceeds from one check and place them into “like-titled”), you may complete a wire transfer without having to
multiple accounts.) submit a Letter of Instruction (“LOI”). You may initiate a like-titled
• Checks from a third party that are not properly made out and wire transfer within your TD Ameritrade account. You’ll need to set
endorsed as specified in the Account Deposit Information and up your bank to receive wires, if you haven’t already. Log in to your
Acceptable Check Deposits sections of the Account Handbook account and go to My Account > Deposits & Transfers > Account/
•  Checks from minors Bank Setup, then follow the instructions. You’ll need the following
information:
•  Checks that are dated more than six months ago
•  Account number and account title at receiving bank
•  Post-dated checks
•  Receiving bank ABA routing number
•  Credit card checks
•  Foreign third-party wires All Other Wires, Domestic – If you are transferring funds to an
escrow account, a mutual or money market fund at a financial
•  U.S. Savings Bonds
institution, an account that is not like-titled, or to a third party, an
Note: Unacceptable deposits will not be credited to your account and will
LOI is necessary. The LOI requires the following information:
be returned. This list of unacceptable deposits is not all-inclusive. Other
situations may arise when a payment is determined to be unacceptable. • Name, address, and ABA routing number of the
receiving bank(s)
Wire Transfers • Account number and account title at the escrow company
Incoming Wires or bank(s)
You can wire funds to your account using the •  Your TD Ameritrade account number
following information. • The total dollar amount to be wired and date the wire should
If your financial institution is located in the United States, be sent
wire to: •  Valid account owner(s) signature
Wells Fargo Bank, NA
Foreign Wires – Wire transfers that involve a bank outside of the
420 Montgomery Street
United States are classified as foreign wires. Because banks outside
San Francisco, CA 94104
of the United States are not part of the Federal Reserve System, an
ABA transit routing # 121000248
intermediary U.S. bank is needed. Please contact your bank to obtain
For credit to: wire information for the intermediary bank, in order to include the
TD Ameritrade Clearing, Inc. name, address, and SWIFT code or sort code for the intermediary
Account # 4123214561 bank. In addition, the LOI requires the following information:
*For benefit of: •  Your TD Ameritrade account number
Your nine-digit TD Ameritrade account number • The total dollar amount to be wired and date the wire should
Your name be sent
Your address •  Valid account owner(s) signature
* Required for timely and accurate processing of your wire request.
The appropriate Letter of Instruction for your wire transfer can
If your financial institution is located outside the United be downloaded by logging in to your account and going to Client
States, wire to: Services > Forms & Agreements.
First National Bank of Omaha
In extraordinary circumstances, TD Ameritrade may place limits on
16th & Dodge Streets
the portability of funds and additional documents may be required.
Omaha, NE 68102
ABA # 104000016
Swift Code/BIC: FNBOUS44XXX (If your bank requires it)​ DTC Securities
Use this information when transferring securities via the
For credit to: DTCC (Depository Trust & Clearing Corporation) to your
TD Ameritrade Clearing, Inc. TD Ameritrade account:
Account # 16424641
TD Ameritrade Clearing, Inc. #0188
For further credit to:
[client name and account number]\

Page 11 of 14
Availability of Newly Deposited Funds account you are opening. Note that you must be an owner on
Funds must post to your account before you can trade with them; both the delivering and receiving accounts as we do not allow
they typically post 1-2 business days after we receive your check or 3rd party transfers.
electronic deposit. TD Ameritrade restricts withdrawals and trading
• If the account you are transferring is a margin and/or options
of certain securities until your deposit clears, which can take an
enabled account, be sure you have established a margin and/or
additional 4-5 days for checks or 2-4 days for electronic deposits
options account at TD Ameritrade prior to initiating a transfer.
(wire transfers are available immediately). TD Ameritrade determines
the securities you can’t trade based on market risk; these include • In many cases, we can process the transfer immediately
but aren’t limited to stock options, some foreign securities, and most following your request. In some instances, the transferring firm
stocks priced under $5 per share. All electronic deposits are subject to may request additional documentation such as a copy of a
review and may be restricted recent statement. We'll let you know if this occurs.
for 60 days.
• Please be aware that all securities transactions must be settled
The Federal Reserve determines which stocks can be used as before the transfer can occur. Some firms do not allow trading
collateral for margin loans. However, TD Ameritrade is not obligated to during the transfer process.
extend margin on all approved stocks.
• It's common for the firm you are transferring from to charge a
transfer-out fee or a termination-of-account fee. We have no
Stock Certificates control over their fees.
When sending in securities for deposit, please follow these rules:
• If you are making a direct rollover from your employer's qualified
• All listed parties must endorse the security on the back exactly as plan, please contact your plan administrator to obtain any
their names appear on the face of the certificate. Please make sure applicable rollover paperwork that may be required. Please allow
the title on the certificate matches the title on your TD Ameritrade
approximately 90 days for the completion of your direct rollover.
account.
• Include your account number and Social Security Number (or tax Fund Withdrawal Requests
identification number) on the front of all stock certificates. Request a funds withdrawal on the website. Simply log in and go to
• Appoint TD Ameritrade Clearing, Inc. as your “Attorney to Transfer” My Account > Deposits & Transfers.
the stock. (This means the securities are negotiable only by Checks and electronic bank transfers via the ACH network should
TD Ameritrade Clearing, Inc. and can be mailed safely.) To do this, be requested by 4:30 p.m. ET for same day processing. Wire
insert “TD Ameritrade Clearing, Inc.” in the blank space before the transfers should be requested by 3 p.m. ET.
words “Attorney to Transfer” on the reverse side of the certificate.
• All withdrawal requests are limited to the cash available for
When sending certificates for deposit, in some cases, additional withdrawal in your account. Electronic bank transfers are limited
paperwork may be required to clear the security for trading. For to a maximum of $250,000 per day.
your protection, TD Ameritrade will not sell the position until all such
• To ensure acceptance and timely processing of outgoing wires
paperwork has been processed, and the security has been registered
and checks, please make sure fund transfers are between
in its street name.
identically titled accounts.
You may sell restricted securities pursuant to Rule 144 or Rule
145 of the Securities Act of 1933, after the required documents UPDATING YOUR ACCOUNT PROFILE
have been received, reviewed, and fully processed. In these
circumstances, funds from these sales will not be released until Changing Your Personal Information
the security has been cleared. To update your address, phone numbers, or email address,
log in and go to Client Services > My Profile. Then select the
Sell transactions or proceeds from the sale of recently deposited Personal Information tab and click the “Edit” icon to the right of the
OTCBB and pink sheet securities may be subject to a hold. information you wish to change. Or contact TD Ameritrade Client
Additional funds in excess of the proceeds may be held to secure Services. If you need to change your name due to marriage or
the deposit. other reasons, please complete the Name Change Authorization
Here are some instances where additional documentation may Form available on our website. Log in to your account and go to
be needed: Client Services > Forms & Agreements. Then select “All Forms” to
find the form.
• The registration on the certificate is different than the title on
the account. An example would be when you have a certificate
Adding or Removing an Account Co-owner
registered in your name and want to deposit it into a Joint account.
To add a co-owner to your account or to remove a current
• The certificate is sent to TD Ameritrade unsigned. co-owner from your account, please complete, sign, and return
• The certificate has another party listed as the “Attorney the Account Modification form available on our website.
to Transfer.” Note: The primary tax-reporting owner cannot be removed. A new account must
be opened for the new tax-reporting owner, and an internal transfer completed.
• The securities are restricted stock, such as stock issued under
Rules 144 or 145 of the Securities Act of 1933, or are considered
Adding Margin or Options Privileges to Your Account
legal transfer items.
To request or upgrade margin or options privileges on your account,
complete, sign, and return the Margin/Options Upgrade Form. To
Transferring an Account
find this form, log in to your account and go to Client Services >
TD Ameritrade will not charge you to transfer accounts held at
Forms & Agreements. Then select “Request Options Approval
other financial institutions to one or more of your TD Ameritrade
or Upgrade.” Certain accounts may apply for margin and options
accounts. Here are some guidelines that will help account transfers
privileges online; go to Client Services > My Profile > General. Then
to be processed efficiently:
click “Enable” on the “Margin trading” line.* To apply for options
• Account transfers can be initiated online on our website. Simply privileges, click “Edit” to the right of “Option trading.”†
log in and go to My Account > Deposits and Transfers. *Margin trading increases risk of loss and includes the possibility of a forced
• Generally, the account being transferred must be of the same sale if account equity drops below required levels. Carefully review the Margin
type and have the same account title as the TD Ameritrade Handbook and Margin Disclosure Document for more details.

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†Options are not suitable for all investors as the special risks inherent to options
• If you are using a PC, to change the color depth or resolution, go
trading may expose investors to potentially rapid and substantial losses. Carefully to Control Panel, select Display, and choose Settings.
review the options disclosure documents before investing in options.
• If you are using a Macintosh with OS X, go to
Please see our website or contact TD Ameritrade for the margin and options
System Preferences and choose “Displays.”
disclosure documents. Carefully read these documents before investing.
Web TV® is not supported.
USING THE WEBSITE
The TD Ameritrade Website now includes more services and Pop-up Windows
features than ever before, along with easy-to-use navigation The website utilizes pop-up windows. If you use a pop-up blocker,
and plenty of opportunities to customize your personal investing you can still trade and access most site features. However, in order
experience. To access online help, go to Client Services > Help to view all information on the site—including most forms and look-
Center. (Or get help by entering the topic in the Search field on up results for symbols and quotes—please disable your pop-up
any page.) Most pages on the website also include more specific blocker. For example, if you use Internet Explorer 6.0, the built-in
“Page help.” pop-up blocker is turned on by default, but can easily be disabled
for a trusted site. When you see a notification in the status bar that
Note: Market volatility, volume, and system availability may delay account
a pop-up was blocked, simply click this notification. Then choose
access and trade executions.
“Allow pop-up windows from this site.” For other browsers and pop-
up blocking software, look for similar “trusted site” functionality.
System Requirements
Operating System
Home Page
PC: Windows® 7 or later
You can customize the view on the home page of the website
Macintosh®: Mac OS® 10.9 or later
to show information that best fits your investing style. Display
Browser Requirements the features that are most valuable to you. You will also see an
PC: Microsoft® Internet Explorer 11 Announcements section for market news and TD Ameritrade
Microsoft® Edge updates. At the bottom of the page, you’ll find SnapTicket.®
Google Chrome (latest 2 versions)
Mozilla Firefox (latest 2 versions) SnapTicket®
Macintosh: Apple Safari 10 or later This versatile order ticket detaches into a mini-window that
Google Chrome (latest 2 versions) follows you as you roam the Web. That means you can maintain a
Mozilla Firefox (latest 2 versions) secure trading connection with your TD Ameritrade account. Feel
free to visit other websites and run other trading software. With
SnapTicket, you can make trades no matter where you go. You’ll
Display Settings
find SnapTicket at the bottom of each page of the site.
The website is designed for a minimum resolution of 1024 X 768
and for a color depth of 16K. Click the “Minimize” icon in the upper right-hand corner of
SnapTicket to reduce it to a quote bar or detach it from the page.

You can also open a separate window to conduct real-time* option chains searches and see your current Buying Power. With this easy-to-use
order entry ticket, you can even select special instructions, order type, and direct routing. All the choices on the stock trading ticket are also
available on SnapTicket.

*Access to real-time market data is conditioned on acceptance of the exchange agreements. Professional access differs. See the information below for more information
on rates and fees.

INTERACTIVE VOICE RESPONSE (IVR)

PHONE SYSTEM INSTRUCTIONS
At TD Ameritrade, we understand you can’t be by your computer 24/7. But that is no reason to lose touch with your portfolio. Our IVR phone
system lets you call in and access your TD Ameritrade account from anywhere.* For more information about the Interactive Voice Response
System, please refer to the TD Ameritrade IVR PDF located at: https://www.tdameritrade.com/service/form-library.page.*
* Market volatility, volume, and system availability may delay account access and trade executions.

TRADING TOOLS AND REAL-TIME QUOTE SUBSCRIPTION PRICES

Description Non-Professional Professional
NASDAQ Level II FREE FREE
Streaming News FREE $99
Market Edge® Daily $9.99 $9.99
Market Edge Daily Plus $19.99 $19.99

Professional clients may subscribe to real-time quote subscriptions:

NASDAQ Level I FREE $24
NASDAQ Level I & II FREE $24
Real-Time OPRA Quotes FREE $31.50
Real-Time Amex Quotes FREE $23
Real-Time NYSE Quotes FREE $45

Page 13 of 14
 Fees charged may vary by program, location, or arrangements and occur at the beginning of each month. Fee increases are subject to
change. For a complete list of current rates and fees, visit our website.
Market Edge is a registered trademark of Computrade Systems, Inc.
Macintosh, Mac OS, and Safari are registered trademarks of Apple Computer, Inc., registered in the United States and other countries.
Microsoft and Windows are either registered trademarks or trademarks of Microsoft Corporation in the United States and/or other countries.

Index Option Fee

Underlying Symbol Description Premium Expiration Fee Per Contract

SPX S&P 500 Index <$1 Monthly $0.57

SPX S&P 500 Index >=$1 Monthly $0.66

SPXW S&P 500 Index <$1 Weekly/Quarterly $0.49

SPXW S&P 500 Index >=$1 Weekly/Quarterly $0.58

OEX S&P 100 Index (American-style exercise) All Monthly/Quarterly $0.40

OEX S&P 100 Index (American-style exercise) All Weekly $0.30

XEO S&P 100 Index (European-style exercise) All Monthly/Quarterly $0.40

XEO S&P 100 Index (European-style exercise) All Weekly $0.30

VIX Cboe Market Volatility Index <=$0.10 All $0.05

VIX Cboe Market Volatility Index $0.11-$0.99 All $0.17

VIX Cboe Market Volatility Index $1-$1.99 All $0.30

VIX Cboe Market Volatility Index >=$2 All $0.45

RUT Russell 2000 Index All All $0.18

Please note: The Index Option Fees are fees associated with Proprietary Index Option products provided by the Chicago Board Options Exchange
(Cboe) and are subject to change without notice. A copy of the Cboe Options Exchange Fee Schedule can also be found on www.cboe.com.

Investment Products: Not FDIC Insured * No Bank Guarantee * May Lose Value

TD Ameritrade, Inc. and TD Ameritrade Clearing, Inc., members FINRA/SIPC, are subsidiaries of The Charles Schwab Corporation.
TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank.
©2020 Charles Schwab & Co. Inc. All rights reserved.

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