CLEAR PRINT

IRA Account Application

Page 1 of 8

Investment Advisor (“IA”) Information (This portion to be completed by IA.)

JENKINS WEALTH
IA Firm Name (Please print.):___________________________________________________________________________________________________________

0814 - 4947
IA Master Account Number:_____________________________________________________________ MMKT FOUR CORNERS
Service Team:_________________________________

DANNY LEE
IA Contact Information (if follow-up is required):__________________________________________________________________________________________

Note: To transfer or distribute IRA assets to a beneficiary due to the death of the account holder, please use the Inherited IRA Application.

1._ Select IRA Type (Select only ONE type of account.)

Traditional IRA. (Select only one.)
 Contributory IRA

✔ Rollover IRA
 Rollover from an employer retirement plan

$
Name of Employer Sponsoring the Plan Approximate Total Value of Distribution Expected Distribution Date

By signing this application, I elect that my IRA assets identified above be considered a rollover. This election is required by the IRS to qualify my
contribution as a rollover contribution.
Roth IRA. (Select only one.)
 Roth Contributory

 Roth Conversion (from a Schwab Qualified Plan*)

Current Schwab Qualified Plan to convert: ________________________________________ Note: You are required to complete and attach the
appropriate Schwab qualified plan distribution form. (Tax withholding information will be provided within the distribution form.)
 Roth Conversion (from a Schwab Traditional IRA). To process your Roth conversion, elect your tax withholding below.

Current Schwab Traditional IRA to convert: ________________________________________

Amount to convert to Roth IRA

 Full conversion (The entire balance of your IRA will be converted.)
 Partial conversion (Only a portion of your IRA will be converted.)

Cash amount to be converted: $________________________________________

Attach a separate list of securities to be converted.
Important Tax Withholding Election Notice: Distributions from your IRA are generally subject to federal (and possibly state) income tax. Even if you
elect in writing not to have federal and/or state income tax withheld, you are liable for payment of federal and state income taxes, if applicable,
on the taxable portion of your distribution. You may also be subject to tax penalties under the estimated tax payment rules if your withholding and
payment of estimated tax, if any, are not adequate.
Your tax withholding election will remain in effect on all distributions from your Traditional IRA until you change or revoke it. You may change or
revoke your tax withholding election at any time by submitting your requests to Schwab.
Withholding income taxes may subject you to IRS penalties if you are under age 59½, because the amount withheld is considered a distribution.
Schwab recommends that you contact your tax advisor regarding your tax withholding election.
Federal Income Tax Withholding: Please select a withholding instruction for the taxable distribution that results from the conversion. If you do not
make an election or have not previously made an election, Schwab is required to withhold 10% for payment of federal (and possibly state) income
tax from your gross distribution.
 Do not withhold tax
 Withhold federal income tax:  10%  15%  20%  Other________% (Federal tax withholding must be a whole number and must be at
least 10% and not more than 99% when combined with state income tax withholding.) If you reside in AR, CA, DE, GA, IA, KS, MA, ME, NC, NE,
OK, OR, or VT and federal income tax withholding is applied, Schwab will also apply state income tax withholding based upon your state’s
minimum tax rate.

CHARLES SCHWAB USE ONLY:

Account Number

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1._ Select IRA Type (Continued)

*A Schwab Qualified Plan is a Schwab Profit Sharing Qualified Retirement Plan or Keogh, a Schwab Individual 401(k), or a Schwab 403(b)(7) Account.
State Income Tax Withholding: State tax withholding may be required from your distribution. In some cases, you may elect not to have withholding
apply, or you may elect to increase the rate of withholding. In other cases, state tax withholding is not available. Refer to the State Income Tax
Withholding Information sheet for specific information concerning your state’s withholding rates.
While Schwab makes every effort to obtain information about state tax laws from sources believed to be reliable, Schwab cannot guarantee the
accuracy or timeliness of state tax withholding information because state laws are subject to constant change and interpretation. We recommend
that you contact your tax advisor regarding your tax withholding elections and to answer any questions that you may have regarding your state’s
withholding laws.
If you do not make an election, Schwab will apply withholding (if required) at the minimum rate based on your state of residency as determined by your
legal address of record on your account.
 Do not withhold tax

 Withhold state income tax at the rate of: (specify ______________%) (State tax withholding must be at least your state’s minimum tax rate, either a
whole number [e.g., 15%] or a whole and fractional number to one decimal point [e.g., 15.5%], and not more than 99% when combined with
federal income tax withholding.)
If you move between states with differing income tax withholding laws, Schwab will apply state income tax withholding (if required) at the rate you have
provided above or at the minimum rate based on the laws for your new state of residency, whichever is higher.

SIMPLE IRA. Note: This form can only be used to add participants to an existing plan.
 SIMPLE IRA

Name of Business Employer’s Group Plan Number

Simplified Employee Pension IRA (SEP-IRA). (Select only one). Note: Application must include Adoption Agreement and Employer’s Agreement.
 SEP-IRA  SARSEP-IRA

Name of Business

2. Account Holder Information

Name (First) (Middle) (Last)

MARYBETH FINN
Are you known by another name? Specify: Mother's Maiden Name

Home/Legal Street Address (No P.O. boxes, please) City State Zip Code

6562 Longabaugh Way Cheyenne WY 82009

Mailing Address (If different from above; P.O. boxes may be used.) City State Zip Code

Home Telephone Number Business Telephone Number Cellular Telephone Number

((307) 433-0740
) ( ) ( )
Social Security/Tax ID Number Date of Birth (mm/dd/yyyy) Email Address*

520-66-2303 08/10/1955 [email protected]

Country(ies) of Citizenship (Must list all; if not a U.S. citizen, please complete identification information below.) Country of Legal Residence

 USA  Other: ______________________________________  Other: ______________________________________  USA  Other: ______________________________________

Country of Birth (Required for foreign citizens and/or foreign residents only.)

*By providing your email address, you consent to receiving email from Schwab. Information about opting out of certain email communications is
provided at www.schwab.com/privacy.

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2._ Account Holder Information (Continued)

Identification Type Identification Number

 Passport 
✔ U.S. Driver’s License  U.S. Gov’t-Issued ID
State or Country of Issuance Issue Date (mm/dd/yyyy) Expiration Date (mm/dd/yyyy)

Employment Status (Select only one.) Employer Name/Business Name

 Employed  Self-Employed  Retired  Homemaker  Student  Not Employed

Occupation (If you selected “Employed” or “Self-Employed,” 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 (Please specify.): _____________________

 Medical Professional  Other Professional  Clerical/Administrative Services

 Legal Professional  U.S. Government Employee (Federal/State/Local)  Trade/Service (Labor/Manufacturing/Production)

 Accounting Professional  Foreign Government Employee (Non-U.S.)  Sales/Marketing

Business Street Address (No P.O. boxes may be used.) City State Zip Code

The Next Two Questions Are Required by Industry Regulations:

Are you affiliated with or employed by a stock exchange or member firm of an exchange or FINRA, or a municipal securities broker-dealer?

 No  Yes (If “yes,” you must attach a letter from your employer 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 ______________________.)

Trusted Contact Designation

A Trusted Contact Person (“Trusted Contact”)* is a resource Schwab, and your advisor (if you have one), may contact on your behalf, if necessary, to
attempt to address concerns regarding potential financial exploitation, or in communicating with you regarding issues related to your account(s). A
Trusted Contact will not be able to view your account information, execute transactions in your account(s), or inquire about account activity, unless that
person has that authority through another role on the account(s), such as a trustee or power of attorney. Providing Schwab with Trusted Contact
information is voluntary. We encourage you to provide two Trusted Contacts in the event that one is not reachable in the future.
• Schwab suggests that your Trusted Contact(s) be someone other than your financial consultant or investment advisor.
• You may name up to two Trusted Contacts.
• The person(s) you name as Trusted Contact(s) will be the Trusted Contact(s) on all of your Schwab accounts, as provided for in your account agreement.
• For multiple-party accounts, each party can name separate Trusted Contacts.
• The Trusted Contact(s) must be at least 18 years old.
Trusted Contact Information
Trusted Contact information provided on this form will replace all Trusted Contact information currently on file.
Person 1
If you have no changes to your existing Trusted Contact, please skip this section.
Name (Title, First) (Middle Name) (Last Name, Suffix)

Relationship (Please select only one.)

 Spouse  Partner  Child  Parent  Sibling  Friend  Other

*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 finan-
cial 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.

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2._ Account Holder Information (Continued)

Person 1 (Continued)
Please provide at least one method of contact for each Trusted Contact listed.
Mailing Address (No P.O. Boxes) City

State or Province Country Postal or Zip Code

Home Phone Mobile Phone Email Address

( ) ( )

Person 2
If you have no changes to your existing Trusted Contact, please skip this section.
Name (Title, First) (Middle Name) (Last Name, Suffix)

Relationship (Please select only one.)

 Spouse  Partner  Child  Parent  Sibling  Friend  Other

Please provide at least one method of contact for each Trusted Contact listed.
Mailing Address (No P.O. Boxes) City

State or Province Country Postal or Zip Code

Home Phone Mobile Phone Email Address

( ) ( )

3._ Your Consent to Enroll in Schwab’s Cash Features Program

The Cash Features Program is a service that offers the Bank Sweep feature (a “Cash Feature”) to permit your uninvested cash (the “Free Credit
Balance”) to earn income while you decide how those funds should be invested longer term.
You understand that additional information about the Cash Features Program and each Cash Feature is available in the Cash Features Disclosure Statement.
By signing this Application, you consent to having the Free Credit Balance in your brokerage account included in the Cash Features Program, as
described in the Cash Features Disclosure Statement.
The Bank Sweep feature is designated as the 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 affiliated with Schwab (“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. 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 Disclosure Statement for additional information.
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 change.

4._ Paperless Document Enrollment

You will receive account statements, trade confirmations, shareholder materials, account agreements and related disclosures, and other regulatory
documents, if available in paperless form, by email. For certain documents, including account statements, you will receive an email notification with a
link to log on to our secure website to access your documents. For complete information, please see Important Information About Your Informed Consent
to Receive Paperless Documents in the Appendix to this application. Enrollment may also qualify you for lower online equity trades—consult your IA or
the applicable Charles Schwab Pricing Guide for additional details.
To opt for Paperless Documents, simply provide your email address in Section 2. The completion of your enrollment will depend on one of the
following scenarios.
Scenario 1:
If you already have an account enrolled in Paperless Documents using the email address provided in Section 2, have logged on to schwaballiance.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 applica-
tion and consent to enrolling this account in Paperless Documents.

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4._ Paperless Document Enrollment (Continued)

• 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 schwaballiance.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 schwaballiance.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 circle below.
 No, do not enroll my account in Paperless Documents. Please send my regulatory documents via postal mail.

5._ Instructions about IA Authorizations (Optional—please select all that apply.)

You may change or revoke these instructions at any time by contacting Schwab.

✔ Trading and Disbursement Authorization for Checks and Journals. Selecting this option indicates that I have authorized my IA to take the following
actions, and I instruct Schwab to permit my IA: (1) to place trades in my account as provided under the Trading Authorization heading in the attached
Account Application Agreement; (2) to remit checks to me at my address of record; and (3) to journal cash and/or securities to a Schwab brokerage
account on which I am named account holder (known as a first-party transfer).

This disbursement authorization does not apply to wire disbursements; Schwab MoneyLink® distributions; or direct, ongoing electronic payments of
dividends, interest, and money market income, which use separate forms. (Note: Trading and Disbursement Authorization for Checks and Journals is
not available for Estate, Guardianship, or Conservatorship accounts.)
 
Trading Authorization. Selecting this option indicates that I have authorized my IA, and I instruct Schwab to permit my IA, to place trades in my account
as provided under the Trading Authorization heading in the attached Account Application Agreement.

✔ Fee Payment Authorization. Selecting this option indicates that I have authorized my IA, and I instruct Schwab to permit my IA, to pay investment
advisory and related fees to IA from my account or another account registered to my name, over which I have granted IA fee payment authorization in
the amount of IA’s instructions.

6._ Issuer Communications and Related Actions

If you have granted your IA trading authority over your account, and your IA exercises investment discretion for you pursuant to an advisory contract, you
can appoint your IA to be sent certain issuer and issuer-related communications (proxies, tender offers, proposed mergers, rights offerings, exchange
offers, and warrants, among other things) that may require a voting decision or other action regarding investments held in your account.
If you appoint your IA below, your IA will, regarding only those voting decisions or other action communications sent to your IA: (i) be requested to vote
proxy ballots; (ii) be requested to provide instructions regarding corporate reorganizations and other corporate actions; and (iii) be sent certain prospec-
tuses and annual reports and other communications. In these cases, you will be authorizing your IA to make all voting decisions and take all actions on
your behalf. You will not be sent informational copies of these communications.
Even if you appoint your IA below, you may still be sent certain other issuer and issuer-related communications regarding investments held in your
account. You agree that you will be responsible for providing Schwab any applicable instructions or directions on those items.
Please select only one:
 Yes. I appoint my IA and I will fulfill my responsibilities, as described above. I instruct Schwab not to disclose my name, address, and securities
positions to any issuer of securities held in my account.

✔ No. I do not appoint my IA as described above. I wish to be sent all issuer and issuer-related communications, make all voting decisions, and take all
actions described above. I understand that any issuer of securities held in my account may request that Schwab disclose to it my name, address,
and securities positions in that issuer.
If you selected “No” above, please select one:
My IA  should / 
✔ should not be sent informational copies of any issuer or issuer-related communications.
If you do not select either “Yes” or “No” above, Schwab will deem you to have indicated “No,” but informational copies of issuer and issuer-related
communications may be sent to your IA.

7._ Designate Your Beneficiary(ies)

In the event of my death, pay the full value of my account (in equal proportions, in the case of multiple beneficiaries, unless I indicate otherwise) to the
Primary Beneficiary(ies) as designated below. I understand that if a Primary Beneficiary passes away before me, the remaining portion will be divided
proportionately to any surviving Primary Beneficiaries in the manner provided in the Charles Schwab & Co., Inc. Individual Retirement Plan. If no Primary
Beneficiary survives me, pay the full value of my account (in equal proportions, in the case of multiple beneficiaries, unless I indicate otherwise) to the
Contingent Beneficiary(ies) as designated below. I understand that if a Contingent Beneficiary passes away before me, the remaining portion will be
divided proportionately among any surviving Contingent Beneficiaries in the manner provided in the Charles Schwab & Co., Inc. Individual Retirement
Plan. Any beneficiary who does not survive me by 120 hours will be considered to have passed away before me. If no designated beneficiary survives
me, or if I do not designate a beneficiary, pay the full value of my account to my estate.

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7._ Designate Your Beneficiary(ies) (Continued)

I understand that I may change or revoke this designation at any time by completing a new Beneficiary Form with Schwab during my lifetime. It will
become effective when Schwab receives it.
I understand that if Schwab determines that my beneficiary designation is not clear with respect to the amount of the distribution, the date on which the
distribution shall be made, or the identity of the party or parties who will receive the distribution, Schwab shall have the right, in its sole discretion, to
consult counsel and to institute legal proceedings to determine the proper distribution of the account, all at the expense of the account, before
distributing or transferring the account.
If I live in a state with community property statutes and do not designate my spouse as the sole Primary Beneficiary, I represent and warrant that my
spouse has consented to such designation.
The percentage portions must add up to 100% per beneficiary type. All portions can be extended to the hundredths position (e.g., 33.33%). If section is
left blank, portions will be evenly distributed amongst beneficiaries.
Note: Benefits cannot be expressed in dollar amounts.
If you wish to indicate additional designation options, please skip this section, complete the Schwab IRA Beneficiary Designation form, and submit it
with this application. For future beneficiary designations and changes, visit schwaballiance.com/beneficiaries.
Type of Beneficiary Portion %


✔ Primary  Contingent 100
First (Title, Name) Middle (Name or Initial) Last (Include suffix.)

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

MICHAEL AND MARYBETH FINN FAMILY LIVING TRUST

Relationship (Select only one.)

 Spouse  Child  Grandchild  Parent  Sibling  Other Individual 

✔ Trust  Organization  Estate
Social Security/Tax ID Number Date of Birth/Trust Date (mm/dd/yyyy)

520-64-2633 10/28/2019
Phone Number Email Address

((307) 256-8898
) [email protected]
Mailing Address City State Postal or Zip Code

6562 Longabaugh Way Cheyenne WY 82009

Country of Citizenship


✔ USA  Other Country of Citizenship
Country of Legal Residence (Select only one.)


✔ USA  Other Other Country of Legal Residence

Type of Beneficiary Portion %

 Primary  Contingent
First (Title, Name) Middle (Name or Initial) Last (Include suffix.)

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

Relationship (Select only one.)

 Spouse  Child  Grandchild  Parent  Sibling  Other Individual  Trust  Organization  Estate
Social Security/Tax ID Number Date of Birth/Trust Date (mm/dd/yyyy)

Phone Number Email Address

( )
Mailing Address City State Postal or Zip Code

Country of Citizenship

 USA  Other Country of Citizenship

Country of Legal Residence (Select only one.)

 USA  Other Other Country of Legal Residence

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7._ Designate Your Beneficiary(ies) (Continued)

Type of Beneficiary Portion %

 Primary  Contingent
First (Title, Name) Middle (Name or Initial) Last (Include suffix.)

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

Relationship (Select only one.)

 Spouse  Child  Grandchild  Parent  Sibling  Other Individual  Trust  Organization  Estate
Social Security/Tax ID Number Date of Birth/Trust Date (mm/dd/yyyy)

Phone Number Email Address

( )
Mailing Address City State Postal or Zip Code

Country of Citizenship

 USA  Other Country of Citizenship

Country of Legal Residence (Select only one.)

 USA  Other Other Country of Legal Residence

Type of Beneficiary Portion %

 Primary  Contingent
First (Title, Name) Middle (Name or Initial) Last (Include suffix.)

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

Relationship (Select only one.)

 Spouse  Child  Grandchild  Parent  Sibling  Other Individual  Trust  Organization  Estate
Social Security/Tax ID Number Date of Birth/Trust Date (mm/dd/yyyy)

Phone Number Email Address

( )
Mailing Address City State Postal or Zip Code

Country of Citizenship

 USA  Other Country of Citizenship

Country of Legal Residence (Select only one.)

 USA  Other Other Country of Legal Residence

If more than four Primary or Contingent Beneficiaries are designated, attach a separate sheet of paper, signed and dated as it appears on this application.

8._ Authorization to Open Account

By signing this Application, you hereby adopt the applicable Individual Retirement Plan that names Charles Schwab & Co., Inc. as custodian of this
account, as further explained in the Charles Schwab & Co., Inc. Individual Retirement Plan or the SIMPLE Individual Retirement Plan, as applicable.
You acknowledge that you have received and read the attached Application Agreement, which contains a predispute arbitration provision. You acknowl-
edge that your signature signifies and constitutes your agreement that this account and your relationship with Schwab will be governed by the Applica-
tion Agreement and all incorporated agreements and disclosures, including, but not limited to, the applicable Individual Retirement Plan and Disclosure
Statement, the Schwab IRA and ESA Account Agreement, and the applicable Charles Schwab Pricing Guide, each as amended from time to time (the
“Agreement and Disclosures”). You understand there are fees associated with establishing, maintaining, engaging in transactions, and transferring
assets out of this account.
This account is established and effective when you receive your account number. You have the right to cancel the account within seven days from the
date the account is established. The revocation will be reported to the Internal Revenue Service as a distribution. For purposes of this Account
Application and the attached Application Agreement, the terms “I,” “me,” and “Account Holder” refer to each person who signs this Account Application.
The terms “we,” “us,” “our,” and “Schwab” refer to Charles Schwab & Co., Inc.

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8._ Authorization to Open Account (Continued)

You certify under penalty of perjury that (1) the number shown on this application is your correct taxpayer number; (2) you are not subject to backup
withholding because (a) you are exempt from backup withholding, or (b) you have not been notified by the IRS that you are subject to backup withholding
as a result of a failure to report all interest and dividends, or (c) the IRS has notified you that you are no longer subject to backup withholding; (3) you are
a U.S. person (including a U.S. resident alien); and (4) you are exempt from Foreign Account Tax Compliance Act (FATCA) reporting. (You understand that
if you have been notified by the IRS that you are subject to backup withholding as a result of dividend or interest underreporting and you have not re-
ceived a notice from the IRS advising you that backup withholding is terminated, you must strike or cross out the information contained in item 2 above.)

The IRS does not require your consent to any provision of this The Agreement with Schwab includes a predispute arbitration clause.
document other than the certifications required to avoid backup I acknowledge receipt of the predispute arbitration clause contained
withholding. in the Required Arbitration Disclosures and Arbitration Agreement
sections, pages 1 and 2, of the IRA Account Application Agreement.

MARYBETH FINN
_______________________________________________________________________________________________________ ____________________________
Signature: Account Holder/Custodian Print Name Date (mm/dd/yyyy)

PRINT

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 IRA Account Application Agreement

Page 1 of 3

These terms relate to your account and are part of the Account Agreement between each Account Holder and Schwab.
Please retain for your files.
(1) I understand that my agreement with Schwab • All parties to this Agreement are giving up the having or claiming to have a legal or beneficial
consists of the terms set forth in this right to sue each other in court, including the interest in the Account, including court-appointed
Application Agreement and the terms set right to a trial by jury, except as provided by the trustees and receivers. This arbitration agree-
forth in the applicable Individual Retirement rules of the arbitration forum in which a claim ment will also inure to the benefit of third-party
Plan and Disclosure Statement and the is filed. service providers that assist Schwab in providing
Schwab IRA and ESA Account Agreement, • Arbitration awards are generally final and Services (“Third-Party Service Providers”) and
which incorporates the applicable Charles binding; a party’s ability to have a court reverse such Third-Party Service Providers are deemed
Schwab Pricing Guide and a number of other or modify an arbitration award is very limited. to be third-party beneficiaries of this arbitration
important disclosures. The applicable agreement.
• The ability of the parties to obtain documents,
Individual Retirement Plan and Disclosure The parties agree that this arbitration agreement
witness statements and other discovery is
Statement and the Schwab IRA and ESA will apply even if the application to open the
generally more limited in arbitration than in
Account Agreement are provided with this Account is denied and will survive the closure of
court proceedings.
Application or at the opening of your your Account and/or the termination of services
Account. I agree to contact Schwab if I do • The arbitrators do not have to explain the
rendered under this Agreement.
not receive the applicable Individual reason(s) for their award unless, in an eligible
case, a joint request for an explained decision Such arbitration will be conducted by, and
Retirement Plan and Disclosure Statement
has been submitted by all parties to the panel according to the securities arbitration rules
and the Schwab IRA and ESA Account
at least 20 days prior to the first scheduled and regulations then in effect of, the Financial
Agreement. In addition, I may in the future
hearing date. Industry Regulatory Authority (FINRA) or any
receive from Schwab supplemental terms or national securities exchange that provides a
disclosures that pertain to certain account • The panel of arbitrators will typically include
forum for the arbitration of disputes, provided
types, service features and benefit pack- a minority of arbitrators who were or are
that Schwab is a member of such national
ages. These supplemental terms and affiliated with the securities industry.
securities exchange at the time the arbitration
disclosures, this Application Agreement, the • The rules of some arbitration forums may is initiated. Any party may initiate arbitration by
applicable Individual Retirement Plan and impose time limits for bringing a claim in filing a written claim with FINRA or such eligible
Disclosure Statement and the Schwab IRA arbitration. In some cases, a claim that is national securities exchange. If arbitration before
and ESA Account Agreement are collectively ineligible for arbitration may be brought FINRA or an eligible national securities exchange
referred to as the “Agreement and Disclo- in court. is unavailable or impossible for any reason,
sures.” I agree to read the Agreement and • The rules of the arbitration forum in which the then such arbitration will be conducted by, and
Disclosures carefully and retain copies for claim is filed, and any amendments thereto, according to the rules and regulations then in
my records. shall be incorporated into this Agreement. effect of, the American Arbitration Association
(2) I agree that the Agreement and Disclosures No person shall bring a putative or certified (AAA). If arbitration before the AAA is unavail-
govern all aspects of my relationship with class action to arbitration, nor seek to enforce able or impossible for any reason, the parties
Schwab, including all transactions between any predispute arbitration agreement against agree to have a court of competent jurisdiction
Schwab and me and all products and any person who has initiated in court a putative appoint three (3) arbitrators to resolve any and
services now or in the future offered through class action; or who is a member of a putative all disputes or controversies between or among
Schwab. Schwab may rely on my use of class who has not opted out of the class with the parties. Each party shall bear its own initial
Schwab’s products and services as evidence respect to any claims encompassed by the arbitration costs, which are determined by the
of my continued acceptance of the Agree- putative class action until: rules and regulations of the arbitration forum.
ment and Disclosures. In the event of financial hardship, the arbitration
1. the class certification is denied;
(3) I understand that the Account will earn forum may waive certain costs in accordance
2. the class is decertified; or
income on funds invested in the Schwab with such rules. At the conclusion of the hearing,
Money Fund designated on this Application 3. the customer is excluded from the class the arbitrators will decide how to assess the
in accordance with the terms of the by the court. costs of the arbitration among the parties.
prospectus of said fund. Such forbearance to enforce an agreement to Any award the arbitrator makes shall be final
Additional Compensation to Schwab. Schwab arbitrate shall not constitute a waiver of any and binding, and judgment on it may be entered
shall retain as compensation for services rights under this Agreement except to the extent in any court having jurisdiction. This arbitration
provided to this Account the proportionate share stated herein. agreement shall be enforced and interpreted
of any interest earned on aggregate cash Arbitration Agreement. Any controversy or claim exclusively in accordance with applicable federal
balances held by this Account in Schwab’s bank arising out of or relating to (i) this Agreement, laws of the United States, including the Federal
account with respect to (1) assets awaiting any other agreement with Schwab, an instruction Arbitration Act. Any costs, fees or taxes involved
investment or (2) assets pending distribution or authorization provided to Schwab or the in enforcing the award shall be fully assessed
from this Account. Such interest retained by breach of any such agreements, instructions, against and paid by the party resisting enforce-
Schwab shall generally be at money market or authorizations; (ii) the Account, any other ment of said award.
rates. Schwab’s receipt of such compensation is Schwab account or Services; (iii) transactions For FINRA arbitrations, FINRA will appoint a
further described in the Account Agreements in the Account or any other Schwab account; single public arbitrator in customer cases
and Disclosures. (iv) or in any way arising from the relationship decided by one arbitrator. In customer cases
Required Arbitration Disclosures. Regulatory with Schwab, its parent, subsidiaries, affiliates, decided by three arbitrators, investors have the
authorities require that any brokerage agree- officers, directors, employees, agents or service option of choosing an arbitration panel with two
ment containing a predispute arbitration providers (“Related Third Parties”), including any public arbitrators and one non-public arbitrator
agreement must disclose that this agreement controversy over the arbitrability of a dispute, will (Majority-Public Panel Rule) or a panel of all
contains a predispute arbitration clause. This be settled by arbitration. public arbitrators (Optional All-Public Panel Rule).
Agreement contains a predispute arbitration This arbitration agreement will be binding upon If the customer declines to elect a panel
clause. By signing an arbitration agreement, the and inure to the benefit of the parties hereto and selection method in writing by the applicable
parties agree as follows: their respective representatives, attorneys-in-fact, deadline, the Majority-Public Panel Rule for
heirs, successors, assigns and any other persons selecting arbitrators will apply.

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 Page 2 of 3

All notices from one party to the other involving out instructions Schwab receives from me and/ If my IA and/or I direct Schwab to act as
arbitration shall be considered to have been or IA. I further authorize Schwab, acting upon custodian of non-publicly traded assets, I
fully given when so served, mailed by first-class, IA’s instructions, to aggregate transaction acknowledge and agree: (1) that non-publicly
certified or registered mail, or otherwise given orders for my Account with orders for one or traded assets generally lack a liquid market and
by other commercially accepted medium of more other accounts over which IA has trading that the value of such assets may be difficult to
written notification. authorization or to accept or deliver assets in ascertain; (2) that any estimated value reflected
In addition to the above provisions, if a party transactions ­executed by other broker-dealers on my account statement or other communica-
to this Agreement is or becomes a non-U.S. where IA has so aggregated orders. I agree that tion from Schwab is for informational purposes
resident at the time of any controversy subject if any such aggregated order is executed in more only and may be significantly different from the
to this arbitration agreement, such party than one transaction, my portion of such order actual market value or the liquidation value of
acknowledges and agrees to the following may be deemed to have been executed at the such assets; (3) that I will provide Schwab with
additional provisions: weighted average of the prices at which all of annual instruction, no later than January 15
such transactions were executed. each year, regarding the fair market value of
(1) The rules of the organization administering
Fee Payment Authorization. If I have indicated these assets as of the preceding December 31,
the arbitration specifically provide for the
on this Application that my IA will have fee for purposes of Internal Revenue Service (IRS)
formal designation of the place at which the
payment authority over my Account, I authorize reporting, and I agree to indemnify and hold
arbitration is to be held.
Schwab to pay investment advisory and related Schwab harmless from any consequences,
(2) Entering into this Agreement constitutes including penalties assessed by the IRS,
fees from my Account or another account
consent to submit to the personal jurisdiction resulting from following my valuation instruc-
registered to my name over which I have granted
of the courts of the state of California, U.S.A., tions; (4) that if I do not provide Schwab with
IA Fee Payment Authorization in the amount of
to interpret or enforce any or all of these valuation instructions by the due date, Schwab
my IA’s instructions. I have authorized my IA in
arbitration provisions. Judgment on any may request an appraisal from a third party and
writing to receive fee payments directly from my
arbitration award may be entered in any charge the cost of the appraisal to my IRA;
Account. Schwab may rely on the instructions
court having jurisdiction, or application may (5) that Schwab reserves the right to require an
submitted by my IA, and will have no responsibil-
be made to such court for judicial acceptance appraisal, in form and substance satisfactory to
of the award and an order of enforcement, ity to confirm those instructions with me or
verify the fees. Schwab may redeem money Schwab in its sole discretion, before complying
as the case may be. with any direction to make a distribution of any
market fund shares in my Account to the extent
(3) The exclusive language to be used by the necessary to pay these fees. My IA’s fees non-traded asset from the IRA; (6) that Schwab
parties and the arbitrators in the arbitration debited from my Account will appear on may require that I sign an addendum to my
proceedings shall be English. Any party Schwab’s statements of my Account. Account Agreement if Schwab agrees, in the
wishing an interpreter shall make all exercise of its discretion, to accept custody of
Disbursement Authorization. If I have indicated
arrangements directly with the interpreter any non-publicly traded assets in my Account.
on this AA that my IA will have trading and
and shall assume all costs of the service. I authorize Schwab to obtain from IA, and IA to
disbursement authority over my Account, I have
(4) If a party is a foreign government or state, provide to Schwab, information regarding my
authorized my IA to take the following actions,
state-owned or state-operated enterprise or Account as Schwab may reasonably request.
and I instruct Schwab to permit my IA to
other instrumentality of a foreign government If any of IA’s employees is associated with a
(1) place trades in my account as provided
or state, such party waives all rights of member of FINRA, NYSE or affiliate, Schwab
under the Trading Authorization heading in this
sovereign immunity and neither the Federal is authorized to deliver information concerning
Account Application Agreement; (2) remit checks
Act of State doctrine nor the doctrine of my Account to such member upon request.
to me at my address of record; and (3) journal
sovereign immunity shall apply insofar as any I acknowledge, understand and agree that
cash and/or securities to a Schwab brokerage
enforcement in courts located in the U.S.A. (1) Schwab Advisor Network® (“Network”)
account on which I am named account holder
is concerned. member advisors ("Network member advi-
(known as a first-party transfer). This disburse-
Trading Authorization. If I have indicated on this sors") pay Schwab fees to be members;
ment authorization does not apply to wire
Account Application (“AA”) that the Investment (2) Network member advisors, including IA, are
disbursements; Schwab MoneyLink® distribu-
Advisor (“IA”) named above, which I understand independent and not employees or agents of
tions; or direct, ongoing electronic payments of
may be referred to as “Investment Manager” Schwab; (3) Schwab prescreens Network
dividends, interest, and money market income,
or “IM” in other documentation relating to my member advisors and checks their experience
which use separate forms.
Account, will have the authority to direct Schwab and credentials against criteria Schwab sets;
Note: 1) You acknowledge that any disburse- (4) neither an IA’s membership in Schwab
to execute trades in my Account, I authorize ment made to you personally may constitute a
Schwab to accept instructions from IA regarding Advisor Network nor CSIA's affiliation with
taxable distribution. 2) Certain transfers Schwab changes that (A) I am solely responsible
my Account, and to take all other actions between IRAs may be permitted. Please contact
necessary or incidental to the execution of for (i) the decision to hire IA, (ii) what authority
your IA. to give IA and (iii) evaluating IA’s services and
such instructions, as IA shall direct. If my
Account is authorized for option trading, Schwab Role of Charles Schwab & Co., Inc. I acknowl- performance; and (B) Schwab (i) does not
edge and agree that: Schwab will merely carry supervise IA and (ii) takes no responsibility to
is authorized to accept instructions from IA
out transactions as directed by me and/or IA as monitor IA’s performance or transactions in the
to purchase and sell (write) covered options
the case may be; I (and not Schwab) am Account; and (5) if I was referred to IA through
contracts on securities and securities-related
responsible for investigating and selecting IA; the Schwab Advisor Network® or referred to
indexes, up to my approved level of option
except in the case of Schwab’s affiliated IA, Windhaven® Strategies or ThomasPartners®
trading strategy. Schwab, and other people
Charles Schwab Investment Advisory, Inc. Strategies that are managed by CSIA, I have
to whom Schwab has given instructions in order
(“CSIA”), IAs are not affiliated with, or controlled received, read and understood the Schwab
to implement the IA’s instructions, may rely on
or employed by, Schwab; and Schwab has no Advisor Network Disclosure Document and the
IA’s instructions without obtaining my approval,
duty to supervise or monitor trading by me or by Disclosure Brochures for Windhaven Investment
counter-signature or co-signature. IA’s authority
IA, including CSIA, in my Account. Schwab will Management® and ThomasPartners Investment
will include, without limitation: the authority to
send me confirmations of my trades executed Management® , each a division of CSIA.
give instructions for transactions in securities
through Schwab and statements of all activity in Products and Services Provided to IA. Schwab
and financial instruments, including the buying
my Account. I authorize Schwab to obtain from may provide IA, at no fee or at a discounted fee,
and selling of stocks, bonds, debentures, notes,
IA, and IA to provide to Schwab, information with research, software and other technology,
subscription warrants, stock purchase warrants,
regarding my Account as Schwab may information and consulting services, and other
options (if I have authorized trading options),
reasonably request. products and services that benefit IA. Schwab’s
mutual fund shares, evidences of indebtedness
and any other securities, instruments or If any of IA’s employees is associated with a provision of these products and services to IA
contracts relating to securities. member of FINRA, NYSE or affiliate, Schwab may be based upon clients of IA placing a certain
is authorized to deliver information concerning amount of assets in their brokerage accounts
I authorize Schwab to take such actions as
my Account to such member upon request. at Schwab (i.e., custodying assets at Schwab)
Schwab deems reasonably necessary to carry

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 Page 3 of 3

within a certain period of time. IA may be or revoked. I understand that I may revoke or Account Ownership. If this is an IRA established
influenced by this commitment in recommending terminate all authorizations or designations by a custodian for a minor, I agree and acknowl-
or requiring that its clients establish brokerage conferred herein at any time. Unless revoked edge that the IRA is governed by the Uniform
accounts at Schwab. These products and or terminated by me, all authorizations and Transfers to Minors Act (UTMA) or the Uniform
services may not necessarily benefit my Account. designations conferred herein to IA shall Gifts to Minors Act (UGMA). I agree that the
Pricing. Schwab and IA may agree to pricing continue to apply to IA’s successors or assigns. Account is irrevocably vested in and belongs to the
(including commissions and transaction account Such revocation will not affect my obligation minor, to be used for the sole benefit of the minor,
and service fees) for my Account and IA’s other resulting from transactions initiated prior to and delivered to the minor promptly upon attaining
clients’ accounts at Schwab based upon the Schwab’s receipt of such notice. I understand the age of majority (or other age specified for
nature and scope of business that IA transacts that if Schwab terminates its Investment termination under applicable state law).
with Schwab, including the current and future Manager Service Agreement with IA, Schwab I consent to Schwab: (i) sending, by mail,
expected amount of IA’s clients’ assets will not be obligated to honor any further electronic delivery and/or other means,
custodied at Schwab, the types of securities instructions from IA; I will have exclusive control duplicate copies of account trade confirmations,
managed by IA and/or expected frequency of over, and responsibility for, my Account; and account statements and any other information
IA’s trading. Schwab may change this pricing unless Schwab notifies me otherwise, my relating to me and my Accounts to my IA and
if the nature and scope of business that IA Account will become a Schwab retail brokerage MM, if and in such manner as requested by my
transacts with Schwab changes or does not account subject to all terms and conditions IA and MM; (ii) sending such information about
reach agreed-upon levels, in which case pricing applicable thereto, including fees and commis- me and my Accounts to third parties as my IA
for IA’s clients’ accounts, including my Account, sions, investment products and other services or MM shall direct Schwab; and (iii) disclosing
may increase to an amount determined by available to Schwab retail customers. Schwab information about me and my Accounts to other
Schwab not to exceed Schwab’s standard will notify me as soon as reasonably possible third parties as provided in Schwab’s privacy
pricing as published in the then-current after any such termination. policy, this Account Application and the Account
applicable Charles Schwab Pricing Guide. Indemnification. I agree to indemnify and hold Agreement.
Schwab’s Privacy Policy and Disclosure of harmless Schwab, its affiliates and their Unclaimed Property. If no activity occurs in
Information. Schwab respects your privacy. directors, officers, employees and agents the Account within the time period specified
Schwab will use the information you provide to from and against all claims, actions, costs and by applicable state law, the Account may be
open and service your Account, to communicate liabilities, including attorneys’ fees, arising out transferred to the appropriate state.
with you when necessary, to provide you with of or relating to: (1) their reliance on this AA and Information About SIPC. To obtain information
additional information about products and (2) Schwab’s execution of my or my IA’s instructions. about Securities Investor Protection Corporation
services and to provide to your IA, and certain Verification. I authorize Schwab to inquire from (SIPC), including an explanatory SIPC brochure,
third parties as your IA directs Schwab, any source, including a consumer reporting please contact SIPC at www.sipc.org or
information as provided in this AA. Pursuant to agency, as to my identity (as required by federal 1-202-371-8300.
your Account Agreement, Schwab may disclose law), creditworthiness and ongoing eligibility for Impartial Lottery for Securities Subject to
information about you and your Account to the Account (and that of my spouse, if I live in a Partial Call or Partial Redemption. If Schwab
certain other third parties. Please call Schwab community property state) at Account opening, holds securities for you in street name, in
at 1-800-515-2157 for a copy of Schwab’s at any time throughout the life of the Account, Schwab’s name, or in bearer form that are
privacy policy. and thereafter for debt collection or investiga- subject to partial call or partial redemption, then
Termination of Authorizations. The authoriza- tive purposes. in the case of a partial call or partial redemption
tions I have granted in this AA will remain Suitability. From time to time, Schwab may make Schwab will use an impartial lottery system to
effective until I or IA have revoked or terminated available investment research and information select the securities to be called or redeemed
any of them by giving notice to Schwab, either by (“Schwab research”). I agree and acknowledge from among accounts holding those securities.
mail, telephone, facsimile, telegraph, messen- that my IA and I are responsible for the For a description of Schwab’s lottery system,
ger, electronic mail, voice mail or otherwise; transactions in my Account, including assessing please visit www.schwab.com/PartialCalls. If
provided, however, that Schwab reserves the the suitability of transactions for my Account, you would like a printed description of Schwab’s
right to require written notice or confirmation even if Schwab research was used in making lottery system mailed to you, please contact
that such authorization has been terminated the investment decisions for my Account. Schwab Alliance at 1-800-515-2157.

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 Cash Features Program
General Terms and Conditions Page 1 of 2

The automatic investment of your free credit balance, including the frequency and the amount of each sweep,
is governed by the terms and conditions set forth in the Cash Features Disclosure Statement and in the Account
Agreement applicable to your account. The material in this document is intended for informational purposes only.
If there is any conflict between the descriptions in this document and the terms of the Cash Features Disclosure
Statement, the Cash Features Disclosure Statement will control.

How the Cash Schwab’s Cash Features Program is the service (described in the Cash Features Disclosure
Features Program Statement) that we provide to automatically invest, or “sweep,” the free credit balance in your
Works 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:
Feature • The free credit balance in your eligible account (the “Schwab One ® Interest feature”), on
which Schwab pays interest;
• Interest-bearing deposit accounts at one or more of our affiliated banks (the “Bank Sweep
feature” for most accounts and the “Bank Sweep for Benefit Plans feature” for retirement
plan accounts); and
• For some accounts, one or more affiliated money market mutual funds (the “Money Fund
Sweep feature”).
Eligibility Eligibility for each cash feature is based on the registered ownership and the type of account.
Not all account registrations and account types will be eligible for all cash features. Some
account registrations and account types will be eligible for only one cash feature. Please see
your Account Application and the Cash Features Disclosure Statement for more complete
eligibility details.
Duty to Monitor 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
Yields guarantee that the interest rate and yield on any particular cash feature will be or will remain
higher than the interest rate and yield on any other cash features over any period. Current
interest rates and yields can be obtained by contacting your independent investment advisor
or your Financial Consultant, or by calling us at 1-800-435-4000. If you already have an
account, you can visit our website at www.schwab.com/sweep. If your account is an Advisor
Services account, please contact your advisor, visit www.schwab.com/SA_sweep, or call
Schwab Alliance at 1-800-515-2157.
• The interest rate on the Schwab One Interest feature is set by Schwab. We may seek to pay
as low a rate as possible consistent with our views of competitive necessities. With certain
exceptions, the rate will be tiered based upon the overall free credit balance within your
account.
• The interest rate on the Bank Sweep feature is set by our affiliated bank(s), which may
seek to pay as low a rate as possible consistent with their views of competitive necessities.
Retirement accounts will be paid a reasonable rate consistent with applicable legal and
regulatory requirements. With certain exceptions, the rate will be tiered based upon your
account type and the combined amount of your account’s Bank Sweep deposits at our
affiliated bank(s).

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

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 Cash Features Program General Terms and Conditions | Page 2 of 2

Interest Rates and • The interest rate on the Bank Sweep for Benefit Plans feature is set by our affiliated bank(s),
Yields which intend to pay interest consistent with reasonable rate provisions of applicable legal
(Continued) 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 balances.
• Money market mutual funds offered through the Money Fund Sweep feature seek to achieve
the highest yield (less fees and expenses) consistent with prudence and their investment
objectives.
Cash features are not intended to be long-term investments, and yields on any of our cash
features 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 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 may charge fees and receive certain benefits under the different cash features. A portion
of these fees and benefits may be shared with your investment professional. 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:
Account Protection • The Schwab One® Interest feature is not subject to market risk and value loss but is subject
to the risk of Schwab’s failure. In the unlikely event that Schwab fails, cash is eligible for
SIPC coverage up to a limit of $250,000 (including principal and interest) per client in each
insurable capacity (e.g., individual or joint). Free credit balances held at Schwab are not
insured or guaranteed by the FDIC.
• The Bank Sweep and Bank Sweep for Benefit Plans features are not subject to market risk
and value loss but are subject to the risk of the failure of one or more of our affiliated banks.
In the unlikely event that one or more of our affiliated banks fails, deposits at each bank
are eligible for FDIC insurance protection up to a limit of $250,000 (including principal and
interest) per depositor in each insurable capacity (e.g., individual, joint, and plan participant).
This limit includes any other deposits you may have at that bank outside of the Bank Sweep
and Bank Sweep for Benefit Plans features. You are responsible for monitoring your bank
balances in the Bank Sweep and Bank Sweep for Benefit Plans features and the balances
in any of your other bank accounts at each affiliated bank to determine if these, in total,
exceed FDIC insurance limits. Monies held in both features are not covered by SIPC.
• Money market mutual funds in the Money Fund Sweep feature invest in high-quality, short-
term securities and seek to maintain a stable value, but are subject to market risks and
potential value loss. They are not bank accounts and are not subject to FDIC insurance
protection. They are instead covered by SIPC, which protects against the custodial risk (and
not a decline in market value) when a brokerage firm fails by replacing missing securities
and cash up to a limit of $500,000, of which $250,000 may be cash. Shares held through the
Money Fund Sweep feature are not considered cash, but are treated as securities for SIPC
coverage.

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

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00118484
 Important Information About Your Informed
Consent to Receive Paperless Documents Page 1 of 2

The Purpose and Effect of Your Consent Our Contact Information to Request Paper or Ask Questions
This disclosure and informed consent applies to all communications for To access the document and print a copy, log in to your Schwab or Schwab
those accounts, products and services offered in person or available via Bank account, select the “Accounts” tab, then select “Statements.” To
Schwab.com, Schwaballiance.com, or via a Schwab mobile website or request paper, ask questions about, or report problems concerning
mobile application used to access those accounts, products or services, Paperless Documents, you may contact us as follows:
to the extent they are not otherwise governed by the terms of a separate To contact us by email, log in to Schwab.com, click “Contact Us,” and then
disclosure and informed consent. click “Send a Secure Message.” Advisor Services clients, please log in to
We are required to provide to you “in writing” certain records and schwaballiance.com. To contact us by phone:
disclosures about our relationship and transactions in your account. You • Investor Services clients: 1-800-435-4000.
are entitled to receive those documents on paper. With your affirmative
consent, we can provide the documents to you electronically instead via • Schwab Bank High Yield Investor Checking ® (or other Schwab Bank)
the Schwab Paperless Documents program (“Paperless Documents”). clients: 1-888-403-9000.
The information below will help you understand the conditions and • Clients in the U.K.: 00 800 0826-5001.
requirements relating to Paperless Documents. You can always find the • Clients in other countries: +1-415-667-8400.
most up-to-date version of this important information at schwab.com/
paperless_consent. • Advisor Services clients: Contact your independent advisor or call
1-800-515-2157.
Paperless Documents categories include: tax forms, trade confirmations,
shareholder materials, statements and account documents (e.g., account • Schwab Intelligent Portfolios® clients: 1-855-694-5208.
statements and other account-related documents associated with • Institutional Intelligent Portfolios® clients: 1-877-805-3399.
the account, including account agreement amendments and program
disclosures, fund prospectuses, and investment advisory service
To Withdraw Your Consent
disclosures). Each of these document categories is described in detail When you change your preference back to postal mail delivery, this cancels
below. If you are opening an account, the account agreements and account your enrollment in Paperless Documents and withdraws your consent
and program disclosures delivered to you as part of the account opening for the document categories you indicate. You can do this by logging in
process are also included in Paperless Documents. Electronic documents to schwab.com/paperless_services, or by calling or emailing Schwab
specific to your transactions and account will be available online for up to or Schwab Bank using the contact information above. Allow 48 hours
10 years from the date of initial delivery. Your consent to receive documents for processing. Your consent will remain effective for other document
electronically is not limited in duration and does not expire. categories for which you maintain a paperless delivery preference.
Depending on where you reside, the initial scope of your Paperless Important note for Schwab Advisor Services clients: Canceling or
Documents enrollment, and whether you have made modifications to modifying your enrollment may make your account(s) ineligible for lower
your enrollment, not all document categories may apply to you. Certain commission rates, and the commissions you pay may increase.
documents that are not currently included in Paperless Documents may
Important note for Schwab Intelligent Portfolios and Institutional Intelligent
continue to be delivered to you via postal mail. In the future, some or all
Portfolios clients: Intelligent Portfolios is an all-electronic service. If in the
of these documents may be added to Paperless Documents and made
future you request paper documents, withdraw your consent, or are unable
available to you electronically in accordance with your informed consent
to receive Paperless Documents, Schwab may terminate your account.
to this disclosure. If you are uncertain which documents are covered by
your Paperless Documents enrollment, please check online at schwab. Electronic Notification When a Paperless Document Is Ready
com/paperless_services or call or email Schwab or Schwab Bank using the
contact information below. We send you an email to let you know a document is available. For some
documents, the email itself will be the paperless document. For other
For additional information about Schwab Bank account statements, see documents, the email will contain a link that will allow you to access or
the “Addendum” on the following page. download the document, and your login may be required prior to such
You indicate your consent to Paperless Documents by providing an email access.
address and signing an account agreement, or by clicking or touching Keeping Your Email Address Current and Actions Schwab or
an “I consent” or other button indicating assent to or acceptance of the
conditions and requirements relating to Paperless Documents, and we Schwab Bank Will Take If There Is a Problem
record your consent. The method of consent may depend on whether you Please note that after three consecutive months of unsuccessful electronic
are opening an account or separately enrolling in Paperless Documents delivery attempts of your tax forms, trade confirmations, or statements and
for an existing account. If you do not provide consent, Schwab or Schwab account documents, your account(s) will revert back to postal mail delivery.
Bank will send you paper copies. Your consent will be effective until you This will cancel your enrollment in Paperless Documents and withdraw
cancel your enrollment in Paperless Documents or Schwab or Schwab your consent to receive Paperless Documents.
Bank notifies you that the program is discontinued. If you are a joint
It is your responsibility to notify Schwab or Schwab Bank of any change in
account holder, your consent binds the other account holder.
your email address by logging in to the Schwab site and going to Service >
By providing consent, you confirm that you have the ability to access My Profile > Email Addresses or using the contact information above. In
Schwab on the web, and the ability to open, view, save, retain, and print addition to the unenrollment process outlined above, if we receive any
PDF documents as described below. These abilities demonstrate that you indication either that the email notification did not reach you successfully
can receive the documents we will deliver to you. You also confirm that or that there is a problem with your email address or service, we will take
you have provided a valid email address as part of the account opening or the following actions:
Paperless Documents enrollment process.
• Tax Forms—Send a letter by postal mail within two business days to
We may, if necessary and at our discretion, end your participation in inform you that we were unable to deliver your tax form electronically.
Paperless Documents, or change the terms and conditions relating In certain circumstances, as may be required by law or regulation or
to Paperless Documents and electronic communications. It is your for other reasons, we may send you the tax form itself by postal mail
responsibility to review any updates in a timely manner. We will provide you within the time period prescribed by the relevant legal or regulatory
with notice of any discontinuation or update as required by law. requirements.
• Trade Confirmation—Send a paper copy of trade confirmation by postal
mail within 24 hours. Also send a letter by postal mail to inform you that
we were unable to deliver your Trade Confirmation to you electronically.
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• 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 in which you conducted activity in your account or at the end of
• Shareholder Materials—Send a paper copy of the shareholder materials each calendar quarter, regardless of any account activity. With your
via postal mail within 24 hours. We will send you a letter informing you account statements, we often include accompanying account-related
that we were unable to deliver your shareholder materials electronically. notices and other regulatory information, including, but not limited to,
The account will be unenrolled from Paperless Documents, and we will Schwab’s Statement of Financial Condition, pricing changes, changes to
begin to send you paper shareholder materials. payment features, privacy policy, annual notices, amendments to your
account agreements, and any other documents, notices, and disclosures
Hardware and Software Requirements required by law or regulatory rules to be provided to you. At account
Paperless Documents requires you to have access to a device (computer opening and from time to time thereafter, we also send you notifications
or smartphone) with Internet service and an active email account and about your account. Collectively, we call these documents, notices, and
address, along with the following: disclosures “account documents.” When you consent to paperless account
statements, you also consent to paperless account documents.
• A current version of a common Internet browser, with JavaScript
enabled. Investment Advisory Service Disclosures
(A Sub-Category of Account Documents)
• A current version of a program, such as Adobe® Reader ®, that accurately Your consent to paperless Statements and Account Documents includes
reads and displays PDF documents. If you do not have Adobe Acrobat investment advisory program disclosures, brochure supplements with
installed on your device, you can download the free software at information about individual Schwab representatives, and related
adobe.com. materials such as periodic updates or annual summaries of any changes
• An operating system on your device that supports the above. to those documents (“Form ADV Disclosures”) as Schwab makes these
• A printer that connects to your device, if you wish to print documents. available in the future. The investment advisory programs may include
Schwab Private Client™, Schwab Managed Portfolios™, Schwab Managed
• Electronic storage connected to your device, if you wish to retain records Account Services™, the Schwab Advisor Network®, Schwab Intelligent
in electronic form. (If you are using your computer, just save documents Portfolios®, and other similar advisory services, and fee-based Financial
to your local hard drive.) Planning Services. In addition to Schwab’s and its affiliates’ own Form ADV
If you use your smartphone, you must access the full Schwab website to Disclosures, your consent also covers ADV Disclosures from third-party
view and print your documents. If you have questions relating to hardware investment advisors whose services you select through Schwab. Paperless
and software requirements, please call or email Schwab using the contact Form ADV Disclosures may accompany your account statements or be sent
information on the previous page. independently. If the third party does not make its Form ADV Disclosures
available electronically, you will instead receive the standard printed
Security and Privacy Information 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. prospectuses; prospectus supplements; quarterly, semi-annual, and
Be aware, however, that some email addresses may use part of your name annual reports; and proxy materials. You will receive an email notification
or your entire name. If you use a work email address, your employer or with a web link to shareholder materials if you have a position in an
other employees may have access to your email. To help you identify your equity or mutual fund as of the record date for a particular shareholder
account, we may include some portion, but not all, of your account number. distribution and the materials are made available electronically by the
Schwab or Schwab Bank may use a vendor to deliver Paperless Documents. issuer or third party. If the issuer or third party does not make shareholder
Whether Schwab, Schwab Bank, or a vendor delivers the documents, materials available electronically, you will instead receive the standard
Schwab’s privacy policy applies. printed materials by postal mail. By providing your consent to receive
electronic delivery of shareholder material, you also consent to electronic
Records and Disclosures Included in Schwab and Schwab Bank’s householding. This means that if you and someone else enroll in this
Paperless Documents Program paperless service using the same email address, we may send one email
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
you no longer want electronic householding of your shareholder materials,
your tax returns. Much of the information we provide in tax documents
you must modify your Paperless Documents enrollment as described
is also reported to the IRS. This includes any corrected tax documents
above. Your shareholder materials may include electronic proxies. You may
and accompanying notices. When a tax document is ready, we will send
elect to vote your proxy online at proxyvote.com by entering the control
an 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.
Trade Confirmations (“eConfirms”) Addendum for Schwab Bank Paperless Statements
A trade confirmation is an official record of your securities transaction. (“eStatements”)
It includes the price, number of shares, and the commission we charge Schwab Bank Paperless Documents categories include statements and
you, as well as disclosures required under federal law. If you choose to account documents and tax forms. The above information regarding
receive paperless trade confirmations, the terms and conditions of your the purpose and effect of your consent, including how to request paper
transaction will appear in the email and on a web page you can link to delivery, how to ask questions, how to withdraw consent for paperless
from the email. Your consent to receive paperless trade confirmations delivery, electronic notification of ready statements, keeping a current
also includes paperless delivery of prospectuses or other regulatory email address, hardware and software requirements, and security
information we provide to you at the time of your trade. Your consent to and privacy information, are all applicable to Schwab Bank accounts.
receive paperless trade confirmations also covers paperless delivery of Paperless Documents include account statements and tax forms. In
Trade Confirmation Reports (TCRs) if you elect this alternative as part of addition, account statements for your Investor Checking account(s),
your Managed Account enrollment. Investor Savings account(s), and Pledged Asset Line® account(s) provide
Statements and Account Documents (“eStatements”) important information about your accounts, including the account balance;
An account statement provides important information about your account, the transactions conducted; other activity in your accounts; and other
including the price and quantity of securities you hold, the transactions information, terms, and conditions governing your accounts.

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

Charles Schwab Bank 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, 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, Member FDIC and an Equal Housing Lender. Charles Schwab Bank is not acting or registered as a securities broker-dealer or investment advisor.
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