No one except the account holders listed on the Account Application (and if community property is held, the account holders' spouses) has an interest in the Schwab Account. You agree not to hold Schwab liable for any damages of any kind resulting from your decision to disclose your access number(s), password(s) or account number(s) to any third party, including, but not limited to, entities that aggregate account information or website content, or persons who are or claim to be acting as your agent, proxy or Investment Advisor. Most stocks traded on national securities exchanges and some over-the-counter (OTC) securities are marginable. We will refund your money within three Business Days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient's account. If you are or become a director, 10% beneficial shareholder, policy-making officer or otherwise an "affiliate" (as defined in Rule 144 under the Securities Act of 1933) of a publicly traded company; or, If you are or become affiliated with or employed by a securities exchange, or corporation controlled by a securities exchange, or a member of a securities exchange or a securities association; or. If you owe a debt to Schwab or our affiliate Charles Schwab Bank, SSB as the result of a transfer between an account of Schwab and Charles Schwab Bank, SSB where provisional credit has been granted and final settlement is not received, you agree that Schwab and Charles Schwab Bank, SSB are entitled to setoff such debt, in whole or in part, against assets in any account of Schwab or Charles Schwab Bank, SSB involved in such transfer without further notice. More detailed information on cost basis is available in the Cost Basis Disclosure Statement, located onschwab.com. This may result in the loss of one or more Business Days' interest or dividends. Automated investing, professional advice or trade on your own. You also acknowledge that when you direct Schwab to wire or transfer funds to an issuer or sponsor of a Non-Publicly Traded Security, Schwab will not have any responsibility or liability if the issuer or sponsor involved does not provide the required receipt or confirmation of the investment in a manner that would allow Schwab to hold the security in your Account. Schwab may assign calling teams and specific phone numbers to support certain client groups based on certain factors, which may include asset levels and trading history. For example, many people in their advancing years may demonstrate declining cognitive ability. In extended hours trading, these announcements may occur during trading and, if combined with lower liquidity and higher volatility, may cause an exaggerated and unsustainable effect on the price of a security. In particular, you agree that Schwab's policies and procedures on minimum investment requirements, exchange of fund shares, dividend accrual and date for payment of accrued dividends upon redemption of a daily dividend fund may vary from those applicable to direct fund shareholders. For our protection or to satisfy your obligations to us, we can,at our discretion and without prior demand or notice, sell or otherwise liquidate all or any part of the Securities and Other Property, securing your obligations or closing any or all transactions in your Schwab Account. In such event, we can receive compensation for the use of such securities. You agree to be bound by any wire instruction, whether or not authorized, that is issued in your name and accepted by us in compliance with the security procedure. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. ("Schwab"), Member SIPC, offers investment services and products, including Schwab brokerage accounts. We may select any intermediary bank, funds transfer system, or means of transmittal to send your payment orders. You acknowledge that we may not be able to locate a tape recording unless you can provide the date and time of the conversation and the full name of the representative to whom you spoke. Orders for the pre-market session may be entered beginning at 8:05 p.m. In addition, if you do not accrue at least one daily dividend of $0.01 during a pay period, you will not receive a money market dividend for that period. Only one security or a large concentration of one or more securities; or, Low-priced, thinly traded or volatile securities; or if. Longer hold periods may apply to checks drawn on a foreign institution. Schwab reserves the right to remove from your Account any security that is deemed to have been cancelled or otherwise invalidated. Schwab can change the eligibility criteria for Cash Features on advance written notice to affected clients, or make certain Cash Features available to clients that do not otherwise meet published criteria. However, you may receive a later price than the price next calculated by the fund if, due to operational incompatibilities with the fund or other limitations, Schwab is unable to support transmission of the order to the fund prior to the next price calculated by the fund. We, or an intermediary bank, may send a payment order to an intermediary bank or a beneficiary's bank based solely on the bank identifying number, even if you provide us with a different bank name. If there is a restriction on your account(s) at Schwab, your use of the Electronic Services' trading functions will be so restricted with respect to such account(s). We can charge a fee for providing this market data. These margin transactions are riskier and involve the possibility of greater loss than transactions where you are not borrowing money. If you notice any other discrepancy in valuations between your Schwab statement and any statement provided by the issuer of your investment, please review your statement footnotes to understand how the valuation was obtained and contact Schwab with any further questions. Securities listed on the New York Stock Exchange or the American Stock Exchange, or traded on NASDAQ, are generally eligible for the Schwab StockBuilder Plan, except for foreign securities, short positions (obligations to sell securities you did not own at the time the order was placed) and Over-the-Counter Bulletin Board securities. Initial margin requirements may change without prior notice. Charles Schwab & Co., Inc. is a member firm of the Financial Industry Regulatory Authority (FINRA). Some Schwab branch offices are operated by an Independent Branch Leader ("IBL"). For purposes of this section, "Business Day" means Monday through Friday, except for U.S. stock exchange holidays and bank holidays. Due to privacy laws, recent records may not be displayed. Any communication we direct to a physical address, email address, facsimile, telephone number, or otherwise is considered delivered to you personally, whether or not you actually receive it. Moreover, Schwab cannot guarantee that cancellation requests for any pending orders, placed shortly before trading begins, will be honored. Such notice will not affect any obligations resulting from transactions initiated prior to our receipt of the notice. If you have questions about the termination age, please consult your legal or tax adviser. Currency exchange rates fluctuate over time, and you acknowledge and accept the risks of such fluctuations between the time you send us a payment order and the time the wire transfer is final. Fractional Shares present unique risks and have certain limitations. Your price per share will be the weighted average price of all SCHW shares purchased for Schwab StockBuilder Planparticipants by the buying agent with the funds from a particular eligible cash distribution. Pursuant to regulation or law, your account may be ineligible to invest in certain Sweep Money Funds. However, Schwab may choose, at its own discretion, to participate in a third-party dividend reinvestment program. Schwab may accept custody of certain assets not normally available through Schwab; we will charge fees for this service. Cash Features refers to the following alternatives: Please note that certain foreign Schwab affiliates may have different Cash Features than the ones listed above. Schwab will notify you if it has removed a cancelled or otherwise invalid security from your Account. The dollar amount of the transaction or suspected error. Any attempt you make to cancel an order is simply a request to cancel. Schwab may place any security held in your Account into the Margin Account portion of your Account. A description of the error or transaction you're unsure about, A clear explanation of why you believe it's an error or why you need more information, and. The lender of the securities recalls them; We anticipate an inability to borrow or re-borrow these securities; or, The Bank Sweep and Bank Sweep for Benefit Plans features, each of which automatically makes deposits to and withdrawals from deposit accounts at one or more bankswhose deposits are insured by the FDIC; and, The "Money Fund Sweep" feature automatically invests in and redeems shares of a Schwab, Schwab's proprietary software such as Velocity. You acknowledge that recommendations in the Research Reports to buy, sell, hold or otherwise consider particular securities are not, and should not be construed as, recommendations or advice to you designed to meet your particular objectives or financial situation. Such causes include, but are not limited to: (1)the failure of electronic or mechanical equipment or communication lines; (2)telephone or other interconnect problems; (3)bugs, errors, configuration problems or the incompatibility of computer hardware or software; (4)the failure or unavailability of Internet access; (5)problems with Internet service providers or other equipment or services relating to your computer or network; (6)problems with intermediate computer or communications networks or facilities; (7)problems with data transmission facilities or your telephone, cable or wireless service; or (8)unauthorized access, theft, operator errors, severe weather, earthquakes, other natural disasters or labor disputes. Any review performed by Schwab will solely be for its benefit in determining its ability to hold and service the Non-Publicly Traded Security. Generally, the higher the volatility of a security, the greater its price swings. To add or remove the Plan with respect to securities in your account, you must notify us at least one Business Day prior to the day on which dividends or other eligible cash distributions are payable for those securities. The minimum deposit may consist of check, Electronic Fund Transfer and/or marginable securities. ET on the prior trading day, but will not be eligible for execution until the session officially opens at 7:00 a.m. When we borrow securities for your account, we are obligated to return the securities to the lender on demand. Each Third-Party Beneficiary is entitled to rely upon all rights, representations, warranties and covenants made by you in this ESA to the same extent as if each Third-Party Beneficiary was a party to this ESA with respect to their own Information or Research Reports. Note: Certain transfers made in connection with the purchase or sale of securities are not covered by Regulation E or this section. You further agree that Schwab has the sole right to determine how long tape recordings will be retained. If you fail to choose (or change) your desired cost basis accounting method prior to trade settlement, you may have adverse tax implications. Schwab's failure to deduct fees from your account at the time you incur those fees does not waive Schwab's right to deduct those fees from your account at a later time. If you are unable to cover a short position (either through delivery of the security or through our "buying in" your position) in enough time for us to deliver the security to its lender, you agree to pay us for the losses we sustain as a result of the failure to deliver. Unless we otherwise agree with you in writing, Schwab does not monitor your account(s) or investments and has no obligation to update an investment recommendation, financial advice, or financial plan we may give you. Schwab's Cash Features Program is the service described in the Cash Features Disclosure Statement that we provide to automatically invest, or "sweep," the Free Credit Balance in your Account into a liquid investment or to earn interest from Schwab on the Free Credit Balance in your Account. Schwab is not responsible for identifying accounts that are eligible to be linked for purposes of determining the Accounts of Your Household. When you use the Electronic Services to place a trade order, you acknowledge that your order may not be reviewed by a registered representative before being routed to an exchange for execution, and you also will not have the opportunity to ask questions or otherwise interact with a Schwab representative. Before requesting that we hold a Non-Publicly Traded Security in your Account, you agree that you will have performed a complete review of the Non-Publicly Traded Security and taken sufficient actions to determine that the investment is appropriate for you and your own financial circumstances and that you are comfortable with the risk of loss, whether due to investment risk or the potential for fraud or misconduct. Additional information about Schwab's financial relationships with mutual funds and exchange-traded products is available onwww.schwab.com. Schwab has no responsibility for any such determination (1). Upon closing your account, we will either mail to you certificates or request a book-entry statement from the agent for nonfund securities held for you (if the physical certificates are being issued and transferred by the company and/or the Transfer Agent) or a check reflecting the cash balance in your account at the time it is closed, or both, in our sole discretion. Similarly, important financial information is frequently announced outside of regular trading hours. The beneficiary's bank (including us when we are the beneficiary's bank) may make payment to the beneficiary based solely on the account or other identifying number you provide, even if the name on the payment order differs from the name on the account. If you choose to change your Cash Feature from one Cash Feature to another, or if Schwab changes your Cash Feature from one Cash Feature to another, you will generally stop earning interest or dividends, as the case may be, on the day of your request. If any assets held in your account generate unrelated business taxable income (UBTI), you have the sole responsibility for reporting such income to the Internal Revenue Service (IRS) and any other tax authorities and for complying with any other tax filing requirements resulting from receipt of such unrelated business taxable income. You have the right to withdraw from your account cash-in-lieu of your uncalled, fully paid, partial share positions prior to the publication date of a partial call. You will also be entitled to receive proxy voting materials and voting rights proportionate to your partial shares, except in the event of certain types of corporate reorganizations. We may take such actions on whatever exchange or market and in whatever manner (including public auction or private sale) that we choose in the exercise of our business judgment. Day Trading is buying and selling the same security on the same day, excluding: Day Traders are subject to a number of strict requirements. You acknowledge that you bear the entire risk and agree to accept full responsibility for the orders you place. We are not responsible for, and you agree not to hold us liable for, lost profits, trading losses or other damages resulting from inaccurate, defective or unavailable market data. Backup withholding is a tax withholding on specific types of payments for federal tax and state tax purposes. Schwab reserves the right to enter into fee-sharing arrangements with applicable Information Providers, Information Transmitters, and Third-Party Research Providers. Your provision of such written communication to us may result in termination of your Account, without penalty imposed by Schwab. Usage will be monitored. You agree to use the quotes only for your individual use in your business. You may contact the FINRA public hotline at1-800-289-9999or on the Internet atwww.finra.org. You acknowledge that furnishing the necessary information and documents to Schwab does not constitute an order to buy/sell your restricted/control securities, and that you must place a separate order to buy/sell by telephone or using the Electronic Services. The daily interest charges are calculated by multiplying your "daily adjusted debit balance" by the "daily margin interest rate." Governments, foreign stock exchanges, markets and/or individual securities may impose specific restrictions that prohibit or limit trading by individuals or entities. On account statements and trade confirmations, Schwab calculates the quantity, unit price, and market price out to four decimal places if necessary. ET on the following trading day. There is no other warranty of any kind, express or implied, regarding the Information, including Research Reports or any aspect of Schwab's Electronic Services (including, but not limited to, information access and order placement or execution). Arbitration Agreement. The Custodian agrees to transfer and deliver to the beneficiary all securities and other property held in the Account promptly upon the beneficiary attaining the age specified by the governing state law for termination of the custodianship. By accessing or receiving Information, you agree that the liability of Schwab, the Information Providers, the Third-Party Research Providers or any other persons involved in transmitting Information arising out of any legal claim (whether in contract, tort or otherwise) in any way connected with Schwab's Electronic Services or Information will not exceed the amount you originally paid for the Electronic Services related to your claim. Schwab will not be liable to you if you are unable to access your account information or request a transaction through the Electronic Services. Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Margin calls require prompt delivery according to our instructions of either additional funds or acceptable securities. Schwab does not endorse or approve Research Reports prepared by Third-Party Research Providers and only makes such Research Reports available to you as a service and convenience. You acknowledge that it is very likely that the "resale" value of the Non-Publicly Traded Securities may be substantially lower than what is on your Schwab statement. You acknowledge that Schwab is not responsible for notifying you of any upgrades, fixes or enhancements to any such software or for any compromise of data transmitted across computer networks or telecommunications facilities, including, but not limited to, the Internet. Potential Changes to Extended Hours Trading:Schwab reserves the right to change its extended hours trading session. Schwab, the Information Providers, the Third-Party Research Providers and the Information Transmitters shall have no liability to you for suspending or terminating your access to Schwab's Electronic Services; provided, however, that if Schwab's suspension or termination is without cause, Schwab will refund the pro rata portion of any fee you may have paid for the portion of the Information and/or Electronic Services not furnished to you as of the date of suspension or termination. You further represent and warrant that you are not employed by, acting as agent of or partially owned or controlled by a government, a government-controlled entity or a government corporation except as you have indicated on your Account Application with Schwab. The Federal Reserve Board and various stock exchanges determine margin loan rules and regulations. The price of covering the short position can be higher than the price at which you sold short; therefore, you can sustain a loss on that transaction. Schwab Stock Slices | About Schwab You agree to be bound by any affirmance, assent or agreement you transmit through the Electronic Services you access by computer, including, but not limited to, any consent you give to receive communications from us solely through electronic transmission. If you sell securities short and the value of the securities rises, you may receive a margin call requiring you to deposit additional assets and we may sell other assets in your Account to satisfy your margin obligation, without prior notice and at a loss or at lower prices than under other circumstances. You agree that you are also solely responsible for any tax consequences associated with the removal of the Non-Publicly Traded Security from your Account. These include requiring a minimum deposit of $25,000 before any day trades can be made in a margin account and using a different calculation of margin buying power. For Securities and Other Property that are lent by Schwab, the interest, dividends, or other payments made on such Securities and Other Property will go to the borrower. On prior or concurrent written notice to you, we may modify or rescind existing provisions or add new provisions. You agree that we will not be liable to you for any losses, including lost profits, if the mutual fund does not accept your order for execution at the price next calculated by the fund after our deadline for any reason, including, but not limited to, computer system delays or failures, natural catastrophes or other emergencies, or human error resulting in our late placement of the order with the fund. To obtain verification, we may contact your employer (and your spouse's, if applicable), obtain consumer and credit reports and make other inquiries, but we are not obligated to do so. Find workshops View All Branches Find a Schwab branch near you by selecting the state, city, or zip code. The check will be made payable to the Custodian for the benefit of the Beneficiary. If your Account is managed by an advisor, please contact your advisor directly or call Schwab Alliance at1-800-515-2157. Market orders will not be accepted. Some clients may have their calls routed to automated telephone channels or informational messages. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days (or 20 Business Days if applicable), we may not credit your account. Charles Schwab & Co., its parent or affiliates, and/or its employees and/or directors may have positions in securities referenced herein, and may, as principal or agent, buy from or sell to clients. In addition, if you write an uncovered call option contract and are allocated an exercise of the option, you may be required to borrow shares in order to satisfy the delivery requirement of the option contract. No prior conduct, past practice or oral statement by any Schwab employee or agent can amend or modify this written agreement, including, but not limited to, Schwab's right to liquidate or close positions in a margin account at any time and without notice as set forth in the Margin and Short Account Agreement. Find a Branch | Financial Services | Brokerage Firm | Charles Schwab If an order cannot be canceled or changed, you agree that you are bound by the results of the original order you placed. The securities in your account may be subject to mandatory and voluntary corporate actions. With respect to any election you make in a corporate action while the Securities or Other Property in your Margin Account are lent to another borrowing counterparty, you understand that the borrower may vote the shares differently and/or make a different election. Unless you provide Schwab with evidence of the validity of the security within sixty (60) days of the notice of removal, you agree to waive any claim to any future distribution from the security and agree to indemnify and hold Schwab harmless from any claims, liability, or damages resulting from the removal of such security.
Kelty Quattro 2 Tent,
Peaches Usher Uniforms,
Soap2day Unblocked At School,
Articles C