Schwab offers you two easy ways to access our automated touch-tone services: Call Schwab by Phone at 800-435-4000 and press *55 to continue your call using touch-tone. You, and any agent or representative acting on your behalf, agree that we may, but are not obligated to, record telephone calls or listen to conversations you have with any Schwab representative to monitor the quality of the customer service you receive and to verify securities transaction information to banks, mutual funds and other entities regarding the products or services we offer or arrange on behalf of customers, or for other business reasons. Investments in foreign securities may be subject to trading restrictions and fees not usually encountered in the United States. If you have questions about day trader margin requirements, please call your Schwab services specialist or margin specialist. Learn more about our services fornon-U.S. residents. You agree to use the quotes only for your individual use in your business. Any notice we send to one account holder will be notice to all account holders. When your enrollment is activated, you agree to be bound by this Schwab StockBuilder PlanAgreement as well as any other agreements between you and us that apply to your account. We will not be liable to you for the rejection or obligated to pay you interest for the period before you receive the notice of rejection. TD Ameritrade & Charles Schwab: What to Know | TD Ameritrade You understand that Schwab does not verify or confirm such valuations and makes no representations that the values are reasonable, are accurate, or reflect your actual holdings. Please note that the use of a 360-day year results in a higher effective rate of interest than if a year of 365 days were used. On the same day that the processing is completed, the amount of the distribution will be debited from your Account. Schwab will not undertake to review or assume responsibility for the terms and conditions or contents set forth in such documentation, including, but not limited to, appropriateness or suitability, restrictions of ownership, rights of transfer, financial statements, or the adequacy of disclosure or compliance with applicable laws, rules, and regulations. If you are unable to cover a short security position (either through delivery of the security or through our "buying in" the security) in enough time so we can deliver the security to its lender (to whom we're obligated), you agree to reimburse us for the losses we sustain as a result of your failure to deliver the security. 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. The minimum deposit may consist of check, Electronic Fund Transfer and/or marginable securities. For example, click once on the Status column to sort the entire list by that column. Unless you make other arrangements with your local Schwab office, we may use available funds in your Schwab Account to settle a transaction. Valuing Non-Publicly Traded Securities on Statements. Neither we nor the market data providers will be liable for interruptions in the availability of market data or your access to market data. The parties agree that this arbitration agreement will apply even if the application to open the Account is denied and will survive the closure of your Account and/or the termination of services rendered under this Agreement. Schwab's deadline for receiving customer orders to place with a mutual fund for execution at the price next calculated by the fund may be earlier than the deadline set by the fund in its prospectus. The services may require you to use a number or password to access your Schwab Account. You also acknowledge that we may report any reasonable belief of financial exploitation, or in other circumstances we believe are necessary for your protection, to the applicable state securities administrator, to a state adult protective services agency, or to law enforcement agencies. In other words, if this is a joint account, your TCP will not necessarily apply to your joint account holder. Boris Koenig on LinkedIn: What can machine learning teach us about If you or Schwab designate a new Cash Feature after the close of business or on a non-Business Day, your Free Credit Balances will be invested or deposited into your new Cash Feature after the close of business on the next Business Day, and generally will begin earning dividends or interest on the Business Day following the next Business Day. You agree to pay, and are solely responsible for payment of, all fees charged to you by Schwab and/or any fund. It has over 400 branches, primarily in financial centers in the United States . You acknowledge and agree that Schwab is the principal underwriter of the Schwab Funds. Some of your collateral is or becomes restricted or non-negotiable or non-marginable. 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. 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. 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. 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. Certain securities may impart valuable rights that expire unless you take some action. A fund may also decline a purchase order, in its sole discretion, if the purchase order exceeds a certain size or for any other reason, and Schwab will not be liable for any losses, lost profits, or other damages that allegedly result from the fund's rejection of that purchase order. Become aware of any loss, theft or unauthorized use of your access number, password or account number; or any unauthorized use of the services or the market data. We may take this action either on a regular settlement, cash or next-day settlement basis. You will continue to be held liable on demand for any debit balance remaining after liquidation of assets in your account. As such, we are required to inform you of the availability of a FINRA Investor Brochure, which includes information on the FINRA Public Disclosure Program. You shall not permit any customer or client to take physical possession of "your equipment" (i.e., the equipment that you use to receive, display or otherwise use quotes). Closing an account or terminating services will not affect your obligations incurred prior to closure or termination. If this happens, we will not send you a separate notice; we will notify you of these credits and charges on your Account statement. Charles Schwab Account Restricted When Trying to Transfer Funds? A small number of corporate bonds are listed on national exchanges. 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 Brokerage Account Agreement | Charles Schwab In other words, accounts that have elected to have their dividends reinvested on the affected security will be credited optional dividends with additional shares, while accounts that have elected to receive their dividends in cash will be paid optional dividends in cash. In such event, we can receive compensation for the use of such securities. Removal of Non-Publicly Traded Securities From Your Account. If you have an advisor on your account (independent or affiliated with Schwab), you understand that you are authorizing both Schwab and your advisor to contact the TCP and we may share TCP information with each other and may coordinate on any conversations with a TCP and on any follow-up actions. Schwab has no responsibility under any circumstance for any such determination unless we otherwise agree with you in writing or unless Schwab gives advice directly to you that is clearly identified as a Schwab recommendation for you to enter into a particular transaction or transactions, or to buy or sell a particular security or securities. If so, Terms of Service that you receive at the time you receive or enroll in the Service will include that additional pricing information. You will not use the Electronic Services to solicit Schwab customers or others or participate in the solicitation of Schwab customers or others for any purpose; You will not upload, post, reproduce or distribute any information, software or other material protected by copyright or any other intellectual property right (as well as rights of publicity and privacy) without first obtaining the permission of the owner of such rights; You will not in any way express or imply that the opinions in your electronic communications are endorsed by Schwab without the prior written consent of Schwab; If you use the Electronic Services that you access by computer, you agree to provide Schwab with your email address, promptly provide Schwab with any changes to your email address and accept electronic communications from Schwab at the email address you specify; and. You agree to pay or receive the prevailing market price at the time your market order was executed, even if the execution market price is significantly higher or lower than you anticipated at the time you placed the order. If you do authorize us to take action on your behalf, regular service transaction fees will apply. As a condition of your eligibility to receive certain Schwab products, services or offers, or as a condition for you to set up access to your account through the web or another Electronic Service, upon notice to you, Schwab may require that you accept delivery of trade confirmations, account statements, prospectuses, issuer information, or other documents by electronic means such as electronic mail or through one of our websites. A long position held overnight and sold prior to any new purchase of the same security, or. You further agree that we may determine, in our sole discretion, that a written order needs further clarification. Go to www.schwab.com and log in to your account. Brokerage products and services are offered by Charles Schwab & Co., Inc., Member SIPC. Like other Schwab representatives, IBLs will have access to customer information to help service accounts and sell Schwab products and services. In the event of financial hardship, the arbitration forum may waive certain costs in accordance with such rules. 1. 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. The term "we," when used below, means Schwab. Electronic Services Agreement and Use Agreement:Your use of the extended hours trading session is governed by your existing account agreements with Schwab, including the "Electronic Services Agreement." Cash Investments - Sweeps, CDs, Money Market Funds & More | Charles Schwab If the Account is a retirement plan brokerage custodial account (including a Company Retirement Account [CRA] or Personal Choice Retirement Account[PCRA]) subject to the terms of this Agreement, the Non-Publicly Traded Security may be distributed upon direction of the Trustee or other applicable fiduciary or agent of the plan to the participant in whose Account the Non-Publicly Traded Security is invested, or to the extent not practicable, transferred to the Trustee or other applicable fiduciary or agent to hold the Non-Publicly Traded Security on behalf of the plan. Risk of Lower Liquidity. In the bond market, there is no centralized exchange or quotation service for most fixed income products. We may process check images electronically or convert them into paper substitute checks based on the information your advisor provides. This can happen for various reasons. 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. You agree that we do not have any responsibility to issue a margin call, to liquidate positions in your account or to select the securities to be liquidated or the manner or timing of the liquidation in order to prevent or minimize losses to you. If you provide incorrect information, you could lose the amount transferred. In certain circumstances, such borrowings could limit your ability to exercise voting rights, submit your shares for consideration in some corporate actions, or receive dividends, in whole or in part, with respect to the Securities and Other Property lent. You also agree to make good delivery of the securities you are selling by settlement day. Worthless and Non-Transferable Securities. You agree that, after such notice, your enrollment in or acceptance of such products, services or offers, or your new access to the web or Electronic Services, constitutes your consent to electronic delivery of trade confirmations, account statements, prospectuses, issuer information or other documents. There are no account minimums to open your account. 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. If after your account is closed for any reason, securities or other property from any source are credited to your account, you authorize us to mail to you either certificates for nonfund securities or a check reflecting the cash balance in your account, or both. You may recover unclaimed property turned over to a state by contacting that state. Orders May Not Be Manually ReviewedYou understand and acknowledge that when you place orders using Schwab's Electronic Services, those orders may be sent directly to an exchange without being viewed by an individual Schwab representative. From time to time, Schwab may perform investment banking or other services for, or solicit such services from, companies mentioned in Information.
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