apie Rent) charles ory DNs ‘Schwab.com 1-800-435-4000 (inside the US.) 1-615-667-8400 (outside the U.S.) 1-988-686-6916 (cvuttingua senices) Pease select ony one box Your choice wil apt to both aoeauts. thre are mig secount odes, please complete an additonal copy ofthis fom. As rquited by feral lan, Schwab and Sehwab Bank wl use ha iniormatin evided to vey tho identity ofall secuntfldes eae about ‘etwas privacy ply at ‘Seta com tvs oe Go Open a Schwab One’ Brokerage Account and a Linked Schwab Bank High Yield Investor Checking’ Account Page of 14 + Use this form to open two tnked accounts: (1) a Schwab One brokerage account with Charles Schwab & Co. Inc. (CSchwab") and (2) Schwab Bank High Yield Investor Checking "High Yield Investor Checking’) account with Charles Schwab Bank "Schwab Bark") + All account holders must be eitner U.S, chizens or U.S, resident aliens, reside inthe U.S. or one ofits terrtories, and provide'a U.S. maling addres. + Note: Schwab Bank vill initiate an inquiy with a Consumer Reporting Agency (ex, “credit check) inorder to evaluste your High Yield Investor Checking Account application. Cami ae a += Chooee your Schwab One brokerage account features in Section 4 and your Schwab Bank account features in Section 6. ' After you have read and agreed tothe terms and conditions, sign and date the form in Section 5 for your Schwab ‘One brokerage account and Section 7 for your High Vield Investor Checking account using blue or black ink. * Enclose a check, money order or Transfer Your Account to Schwab form or, if applicable, choose anather fund ‘option for both accounts, Please note, if you are providing a check as your intial deposit, the check will be credited {0 your High Yield Investor Checking account unless you specity otherwise, Cae ee (5) individual C1 dint Tenants With Right of Survivorship (JTWROS) Your share ofthe account will pass toa Surviving owner(s) inthe event of your death. C1 Tenants in Common Your share othe account will pass to your estate in the event of your death, Note: Ifyou would lke to open a Trust as Tenants in Common, donot use this application. Please contact Charles Schwab forthe appropriate form. community Propery (This ype of ownership maynot be aslable in your ste) nun spouse nas a e-hafterestn he account assets and equal esponsibty or account activity. Formarnid couples in elcte sates. SOU aes \We respect your privacy. Charles Schwab & Ca, Ine. ("Schwab") wil use the information you provide to open and service your accounts, communicate with you, and provide information about products and senices. ‘Account Holder 1 Juan M Cruz Pena Name Ti, Fist Mable Name Last ane, Suc 974956082 11/25/1985. Social Security Number Date of Bith mn/allyyy ‘Areyouknown by another name? Abie sia Brokerage Products: Not FDIC-Insured » No Bank Guarantee = May Lose Value Chaes Schwab &Co, Inc. Schwa") and Chatls Schwab Bank, SSB (‘Schwab Bank’) are separate but afilated companies and subsidiaries of The Chatles Schwab ‘Conporation. Brokerage products ar offered by Charles Schwab & Co, Ine, Member SIPC. Deposit and lending product and services are offered by Charles Schwab Bank, SSB. Member FOIC and an Equal Housing Lender ©2021 hale Schwab 8Co, ne Allights resend, Member IP 2021 Chas cad ark SS, ALGH reserved, Member FIC Eualousig Lender, (0127-04FK! APPS6S 29/02/21)(en a Swab One® Brokerage Account anda Linked Schwab Bank Hin Vid lvestr Checking? Account Page of 14 Raguations require that you provide us with yur legal adres. Include mating actress ferent from yur hometegsadess, Pease select ony one box 2222 47th ave, apt c Oakland. ca 94601 Home/Legal Street Address 00 Bons ciy State Zip Code 2222 47th ave, aptc Oakland cA 94601 Malling Address PO. axes maybe used iy State Zip Code 5107065483 Home Phone Mobile Phone ‘Work Phone Eero Ptease provide your email address if you would tke to access your account online. By providing your emall address, you consent to razeving oral from Schwab and Schwab Bak. JuanCruzSky@qmail.com Email Address Mother's Maiden Name CCountry(ies) of citizenship. Meas Istal Cus ill other's) £1 Salvador ountry of CisenshipT County of Giarchi? Wappeable Country of Legal Residence Poss sciec onl one box [=jusa (J other ‘tier Cosy ofa Residence 1 Type and Number eae select ant ana bo and provid the relat inomaton bel [=] Driver's icense — [] Passport [] U.S, Government-tssted 1D 5487274 California 11/25/2022 iD Number Country/State ofiD issuance iD Expiration Date mnaljyyy Macital Statue Schwab Bank doesnot consider marital status when processing nestor Checking account applications. singe C] Maried —C) divorced] Widowed Number of Dependents Secures industry reguations require that we collet this information. Employment information Clemptoyed [2] sattemployed []Reted —[] Homemaker [] Student] Not Employed ©2021 hale Seba Co. ne Allighsresened. Member SC. ©2021 Chas Schwab nk SS, AGH reserved: Member FIC. EualHousing Lender (012/-OWFK) APP3865-29,02/21)‘nen a Schwa One® Brokerage AScoun anda Linked Schwab Bank Hin Vi! lvestr Checking? Account you selcted“Emplayed” or sll-Emplaye please select on option that best esrb yur oecupatin, You mus newer hie question a8 Schwab i required by industry requlatinsto determin ifyou ‘or someone injour housed ieassoiatad with ancial services company such 5a broker-dealer, You must answer this question. Pease elect nye box ineach section. Occupation C1 Business Owner/Selt-Employed Om D Accounting Professional C1 Information Technology Professional uss. Government employee (Federa/State/Local) O mittary C Clericat/Administrative Services D Sales/Marketing 1 Professional Page 3 of 14 7 executverSenior Management toga roessonat (Financial Servicea/ Banking Profesional other Protessonat Foreign Goverment Employee (Non-US) T edveator 1 Trade/ Service Carer (bor Manutctring/ Production) Ci consuitant Tomer PesseSsty construction worker n/a ‘Business Street Address oO loves a ‘Are you affliated with o ‘securities broker-dealer? [=)No LC] ves iy State Zip Code If yes, you must attach a letter from your employer or affiliated broker-dealer approving the establishment of your account when submitting this Applicaton. List the compary name, ‘Company Name ‘re you a director, 10% shareholder or policy-making officer of a publicly held company? [No C1 Yes (if yes," enter company name and trading symbol.) {Company Name Financial Information ‘Trading Syimbot ‘Securities industry reguations require that we collect this information, Investment Experience Cnone Cl uimited [#] Good 1] Extensive Annual Income Ti under $15,000 7 $15,000-$24,989 [3] $25,000-849,998 1] $50,000-s99,999, Liquid Net Worth Your igi et woth funds ro ae 1p of eur et wart at cn be (ord into cash, igi et wrth inde 1D $100,000 oF more Cl under $25,000 [] $25,000-849,999 [] $50,000-s99,s99 []$100,000-$249,299 ["]$250,000 or more ©2021 hale Seba Co. ne Allighs resend. Member SC. ‘ta2} Chal eh nk SSB, Argh reserved; Member FIC Equa Howsng Lend, s Speci dole acu 5250000 er move (r2aWeK)APPBEI65-29 (272)‘en a Stab One® Brokerage AScoun anda Linked Schwab Bank Hin Vi! lvestr Checking Account Page of 14 youre no changes your ‘isting Trusted Contac, lease slip thissacton. Pease select ont one. Please provide t least one method of contac foreach “usted Contact ited. INywuhave no changes to your ‘tng Tted Conte, lease slp this sacton, Presse select ont one. Peas provid at ast one inetd of contact foreach TustedContaetlstad. “Trusted Contact Designat ‘A Trusted Contact Person "Trusted Contact" is a resource Schwab, and your advisor i you have one), may contact on your behalf necessary, to attompt to address concerns regarding potental financial exploitation, or in communicating With yeu regarding issues related to your accounts). A Trusted Contac wil net be able to view your account information, ‘execute traneactons in your accounts) or inquire about account activity, unless that person has that authority throush another role on the accounts), such as a trustee or power of attomey. Providing Schwab with Trusted Contact information i voluntary. We encourage you to provide two Trusted Contacts inthe event that one is ot 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 personis) you name as Trusted Contact(s} wil be the Tusted Contact(s) on all of your Schwab accounts, as provided for in your account agreement + For multiple-party accounts, each part can name separate Trusted Contacts. + The Trusted Contact(s) must be atleast 18 years old, ‘Trusted Contact Information Trusted Contact information provided an this form wil replace all Trusted Contact information curently oa fle Person 1 Rafael A Cruz Pena Name Ti, Fist Mabie Name Last ane, Suc Relationship Ci spouse [] partner [J cnitt (] parent [3] sitting (Friend [] othe 2222 47th ave, apt c Mailing Address 200 Ooes City cA us. 94601 State or Provines Country Postal or Zip Code 5106820380 rafaelcruzpena@gmail.com Home Phone ‘Mobile Phone Email Address Person 2 Name Tite, Fist ‘Mase rane iastWane, Sic Relationship Cispouse C1 partner C1 ohitd C1 Parent C1) sitting [1 Friend C1 other ‘Malling Addrese WoO fos iy ‘State or Province Country Postal or Zip Code Home Phone ‘Mobile Phone Email Address * 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 ther discretion and to disciose information about your account to address possible activities that might indicat financial exploitation of you: to confm the specifies of Your current contact information, health status (including physical or mental capacity), or the identity of any legal ‘guardian, executor, tustee, oF holder of a power of attorney on your accounts); or as otherwise permitted by FINRA, Tules or state law. For more information, please see your Schwab Account Agreement, whichis availabe at schiaab,com/agcounlagreement. ©2021 hale Seba Co. ne Allighsresened. Member SP. ©2021 Chas Schwab Bank SS, AGH reserved: Member FIC. Equal Housing Lender [012/-0WFK) APP3865-29,02/21)(en a Sta One® Brokerage Account anda Linked Schwab Bank Hin Vid lvestr Checking Account Page Sof 14 ‘As aquired ty federal en, Schwab and Schwab Ban wl se he inoratin rvied to vei tho iden ofall secunt lds oa about ‘etals privacy palicy at ‘seta co otvasy. Regulations requ that you prvide us wth your legal acres. Include ming adress diferent from your omelegal adress, Please selec ony one box. ‘Account Holder 2 Name Ti, Fist ite name [nerve Sc Social Security Number Date of Bith mn/aijyyy ‘Are you known by another name? cus spe Home/Legel Street Address oP. Bons City State Zip Code Malling Address PO. Boxes mayb us iy State Zip Code Home Phone ‘Mobile Phone ‘Work Phone Enersion Please provide your email address if you would tke to access your accounts online. By providing your email address, you consent to receiving email from Schwab and Schwab Bank. Email Address Mother's Maiden Name Country(les) of Citizenship. Pease lisall Clusa (other's) ‘ourtry oF zenship T Country oF Otzenship 2 applable Country of Legal Residence Pleas sie only one bar Clusa (other ‘her County of Lega Resiance ID Type and Number Pieae alec nly ane box and provide the elvan infxmaton below Cotivere cence —] Passport [1] U.S. Government-leued 1D iD Number Country/State ofiD issuance ID Expiration Date may, Macital Statue ‘Schwab Bank does not consider martal status when processing Investor Checking account applications, CO singte Ci marries [1 Divorced = [7] widowed Number of Dependents ‘Securities industry reguations require that we collect this information, Employment information Clemployed C1 sett-employed — ]rotirod —[] Homemaker [[] student] Not Employed Employer Name/Business Name ‘2021 Chars Sea Co. Ine. lights sere. Member SFC ‘202 Cares Scab Bank S58, Aighteseved, Member FDI. Equl Housing Lender. (O12T4WFK)APF3BI6529 (2/2)(en a Stab One® Brokerage Account anda Linked Schwab Bank Hin Vi! fvestr Checking Account you selcted“Enplayed” or sll Employe please select on option that best esribes yur oecupatin, You mus newer hie question a8 Schwab i required by industry requlatins to determin ifyou ‘or someone injour housed ie assoiated with racial Serves company such 5a broker-dealer, You must answer ‘his question. Pease elect nen box ineach section. Occupation C1 Business Owner/Selt-Employed Om D Accounting Professional C1 information Technology Professional uss. Government employee (Federa/State/Local) O mititary C olerical/Administrative Services D Sales/Marketing 1 Professional Page 6 of 14 7 executverSenior Management toga roessonat (Financial Services/Banking Profesional other Protessonat 1 Foreign Goverment Employee (Non-US) T edveator 1 Trade/ Service Carer (bor Manutactring/ Production) CA consuitant Di otther Piesse Sneity: ‘Business Street Address (oO loves a ‘Are you affliated with o securities broker-dealer? [=}No ves city State Zip Code If yes, you must attach a letter from your employer or affilated broker-dealer approving the establishment of your account when submitting this Applicaton List the compary name, {Company Name ‘re you a director, 10% shareholder or policy-making officer of a publicly held company? [No C1 Yes (if yes," enter company name and trading symbol.) {Company Name Financial Information ‘Trading Symbol ‘Securities industry reguations require that we collect this information, Investment Experience Cnone Cl uimited [#] Good [1] Extensive Annual Income Ti under $15,000 7 $15,000-$24,989 [3] $25,000-849,998 1] $50,000-s99,999, Liquid Net Worth Your igi et woth funds ro et 1p of our et wath ten be (ord ito cash, igi et wrth inde 1D $100,000 oF more [lunder $25,000 [] $25,000-849,999 [_] $50,000-s99,999 []$100,000-$249,299 ["]$250,000 or more ©2021 hae Seba Co. ne Allights resend. Member SE. Sta2} Chal eh Bank SS, Alright reserved; Member FIC Equa Howsng Lend, s Spey dole arcu 5280000 er move (r2aWeK)APPBEI65-29 (272)‘en a Stab One® Brokerage Account anda Linked Schwab Bank Hin Vid lvestr Checking Account Page 7 of 14 youve no changesto your ‘isting Tsted Contac, ease slip thissactn. Pease select ont one. Please provide at least one method of contac foreach “sted Contact ited. Ityouhave no changes 0 your ‘tng Tuted Conte, lease slp this sation, Presse select ont one. Peas provid at ast one inetd of contact foreach TustedContaetlstad. “Trusted Contact Designat ‘A Trusted Contact Person "Trusted Contact" is @ resource Schwab, and your advisor i you have one), may contact on your behalf necessary, to attompt to address concerns regarding potental financial exploitation, or in communicating With yeu regarding issues related to your accounts). A Trusted Contact wil net be able to view your account information, ‘execute transactons in your accounts) or inquire about account activity, unless that person has that authority throush another rele on the accounts), such as a trustee or power of attorney. Providing Schwab with Trusted Contact information is voluntary. We encourage you to provide two Trusted Contacts inthe event that one isnot 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 personis) you name as Trusted Contact(s} wil be the Trusted Contact(s) on all of your Schwab accounts, as provided forn your account agreement + For multple-party accounts, each pay can name separate Trusted Contacts. + The Trusted Contact(s) must beat least 18 years old, ‘Trusted Contact Information Trusted Contact information provided an this form wl replace all Trusted Contact information curently oa fle. Person 1 Name Tie, Fist ie Name Tastnane, Sic Relationship Ci spouse [) partner [J cnitt (] parent (2) sitting (Friend [) othe Mailing Address HPO Bos City State or Province Country —-SSSS«éPstal or Zip Code, Home Phone Emil Address Person 2 Name Tite, Fist ‘Mase rane iastWane, Sic Relationship Ci spouse C1 Partner C1 child C1 Parent C1] siting 1 Friend C1 other ‘Malling Address 1oPO fos Gy ‘State or Province Country Postal or Zip Code Home Phone ‘Mobile Phone Email Address * 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 ther discretion and to disciose information about your account ta address possible actvtis that might indicate financial exploitation of you: to confm the specifies of ‘yur current contact information, health status (including physical or mental capacity), or the identity of any legal ‘guardian, executor, tustee, or holder of a power of attorney on your accounts); or as otherwise permitted by FINRA, ules or state law. For more information, please see your Schwab Account Agreement, whichis avaiable at schiaab,com/agcountagreement. ‘2021 Chr Sea Co Ine. Allg esered. Member SFC (202 Cares Swab Bank S58. Aighteseved, Member FEI. Equl Housing Lender. (O12T4WFK)APF3BI6529 (2/2)(en a Schwa One® Brokerage Account anda Linked Schwab Bank Hin Vi! Jvestr Checking Account Page B of 14 Presse selec albones thal apy. Preise selec albones thal apy Pease select allboves thatappy. Pease check althat apply. Please select ony one box Ecc ces Overall Investment Objectvels) of Your Schwab One® Brokerage Account D Capita Preservation ‘YoU ae seeking to minimize the potential of losing your initial investment. 1 income You are seeking the continued receipt of current income while recognizing and accepting the risks of income- generating investments, [Growth You ae seeking to increase the value of your investments over time while accepting price uctuations and vlatty 1 speculation ‘You are villing to assume a higher risk of los in exchange for potentially higher returns, Source of Funds In tis section, we're collecting information about the categories ("sources") of assets that wil beheld in your accounts, Pease select all ofthe sources ofthe assets that will be deposited or held in your accounts, including the orginal sources of any assets that will be transferred into the account from another fm. Om Salary/Wages/Savings Di investment Capital Gains: C Social Security Benefits Ocits C1 Sale of Property or Business _[_] Gambling/Lottery Ci Famity/Retatives/inheritance —] Other Pissse Spout Purpose of Your Schwab Brokerage Account [Wy General investing Ci tnwesting for Estate Planning 1 investing for Tax Planning (eg, munipa bors, et) 1 investing for College C1 Investing for Retirement 7 Investment of Pooled Assets (ep tston onde ne at re rede gun) other Please Specify: — = Purpote of Your Schwab Bank High Ved Investor Checking Account (3 cenera/Personal Expenses 1 Eitucational Expenses eanera/Persnal Savings Large asset Purchase Hane Car C1 otther Piesse Specify: Amlcpated Activity for Your Schwab Bank High Vel Investor Checking Account (on average, how many times per month do you anticipate making deposits, withrawals, and/or transfers? [=] Less than 15 times per month 1 15t0 301imes per month 7 31t0 45 times per month C1 More than 45 times per month ©2021 hae Seba Co. ne Allights resend. Member SE. ©2021 Chas Schwab Bank SS, AGH reserved: Member FIC. EualHousing Lender (012/-0WFK) APP3I65-29,02/21)(en a Schwa One® Brokerage Account anda Linked Schwab Bank Hin Vi! lvestr Checking Account Page 9 of 14 arginis avomstcly ded uress you select the bow "No, do not add arg.” Wee es Margin (Optional) ‘Armargin account allows you to borrow against your eligible securities, You can use a margin loan to purchase additional securites, to sell securities short, to obtain short-term fiancing or as source of evercrat protection. To better Understand the benefits and rsks of margin, please refer tothe attached "Margin Disclosure Statement” and the Schwab (One Brokerage Account Agreement. To learn more about margin, we encourage you to use the educational materials, available at wnw.schwab.con/margin education. Margins automaticaly added unless you select the box below. (CN, doa acd margin Papertess Document Enrollment Here's how paperless works: You wil receive account statements, trade confirmations, shareholder materials, account agreements and related disclosures, and other regulatory documents, f available in paperless form, by email For certain documents, including account statements, you wil receive an email notification with a ink to log on to aur secure website to access your documents, For compete information, please See Important Information About Yur Informed Consent to Receive Paperless Documents in the Appendix to this application. To opt or Paperiess Documents, simply provide your email address in the "Tell Us About Yoursel” section ofthis form. ‘The completion of your enraliment will pend on one ofthe following scenaros. Scenario 1: Ifyou already have an account enrolled in Paperless Documents using the email address provided on this frm, hove logged on to Schwab.com inthe past six months, and agree to the folowing. your paperless enrollment wil be complete ‘once your account is opened. ‘have read and understood the Important Information Aout Your Informed Consent to Recsive Paperiese Decuments in the Appendix ta this application and consent to envaling this account in Paperless Decuments. ‘+ Tunderstand that wil ceive an email with my new account agieement and related disclosures, or Scenario 2: you do not have an existing account enrlied in Paperless Documents, are using a different email address, or have not logged on to Schwab.com inthe past six months, we wil serd you an email after the account is opened. To complete ceroliment, you will ned to click the“! Concent” button in that email and/or follow the instructions to access ‘Schwab.com. If you do not click the “I Consent” button, this account will not be enrolled in Paperless Documents and we wll send your account agreement and related disclosures, as wel as future regulatory documents, by postal mail l¥you do not want to participate in Paperless Documents, please check the box below, Fo, do not enrol my account in Papertess Documents. Please send my regulatory documents via postal mail, ‘2021 Chr Sea Co Ine. Allg esered. Member SFC (202 Cares Scab Bank S58. Aighteseved. Member FDIC. Equl Housing Lender. (O1214WFK)APF3BI6529 (2/2)‘en a Schwa One® Brokerage AScoun anda Linked Schwab Bank Hin Vi! lvestr Checking Account Page 10 of 14 Pleas inclu your chock, rmaney ode: Taster Your ‘ecount to Schwa form, Funding your Sehwab One brokerage crouns not required to open your aocurts. ‘Ths secton i optional you havean afer or eeal adeno there. You may eter upto vee des, Yur evel) may bearer than he ace provided, Select How You Will Fund Your Schwab One Brokerage Account (Optional) To obtain the forms referenced below, please callus at 1-800-435-4000 or vst wun schwab.comv/focms, 1 Cheek or money order enclosed for $ Please make it payable to yoursetf and write “Schwab One" in the memo fed. 77 Transfer funds from another Schwab account. Please complete the Letter of Authorization (LOA) for Movement of Fundsin Schwab Accounts. LN] Tranefer funds from another financial institution. Please compte the Transfer Your Account to Schwab form or goto www.schwab.comtransfer after your account hhas been opened. C Transter funds electronically using Schwab MoneyLink®. Please compiate the Schwab Money ink Electronic Funds Transfer Form. (You can use Schwab MoneyLink to set up ‘periodic transfer af funds into your account.) CO bitect deposit. With this conic, you can have part of your paycheck, government payment or athe recuting payment deposited directy into your Schwalb One brokerage account. After receiving your account number, please go to ‘wwwzschwab.com/directdepasit, print a personalized direct deposit form and give itto your employer or other entity. C1 Deposit funds using the Schwab Mobile application, Downloas tha Schwab Mosile apa and app for Schwab Mobile Deposit™. (You must be approved for this service) Your Consent to Enroll in Schwab's Cash Features Program ‘The Gash Features Program isa service that we provide tat permits the uniwested cash or “fee credit balance” in your [Account to earn income wile those funds romain uninvested. Additional information about the Cash Fostures Program and each Cash Features avalable in the Cash Features Disclosure Staterset The Bank Swoop feature is an available Cash Feature for brokerage accounts of account hlders residing in the U.S. Through the Bank Swoop feature, Schwab automatically makes deposits to and withdrawals from deposit accounts at ‘one or more banks affliated with Schwab ("Sweep Banks’). Your deposits at each Sweep Bank are insured by the Federal Deposit Insurance Corporation (FDIC) yp to $250,000 (inciuding principal and accrued interest) when aggregated With al other deposits held by you in the same insurable capacity at that bank. Your funds may be placed ina Sweep Bank in excess of the FDIC insurance limit. In certain Umited circumstances, Schwab may place yor funds ina sweep ‘money market fund. Please seo the Cash Features Disclosure Statoment for additional information. By signing this Application, you consent to participate in Schwab's Cash Features Program, as described inthe Cash Features Disclosure Statement, and you also consontto having the Bank Sweep feature as your designated Cash Feature. You understand and agree that Schwab may (1) make changes to the terms and conditions ofthe Cash Features Program; 2] make changes tothe terms and conetions of any Cash Feature; (3) change, add or discontinue any Cash Feature; () charge your investment fom one Cash Feature to another ifyou become ineligible for your curent Cash Featuro or your currant Cash Feature is discantinuad; and (5} make any other changos tothe Cash Featuros Program ar Cash Feature as allowed by law. Schwab wil 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 tothe effective date ofthe proposed changes. Offer/Referral Code (if Applicable) Terns and conditions may apply. Any taxes related to an offer are your responsibility, You should consult with you tax oF legal advisor regarding any tax implications and the appropriate tax treatment of an offer. For more informaiton regarding an offer, please call 1-866-469-7017. (Ofer/Referral Code 1 (Offr/Referral Code 2 (Ofer /Referral Code 3 ‘2021 Chr Sea Co. Ine. lights sere. Member SFC (202 Cars Sewab Bank S58. Aighteseved. Member FEI. Equl Housing Lender. (O12T4WFK)APFB8I6529 (02/2)‘ne a Schwa One® Brokerage Account anda Linked Schwab Bank Hin Vid lvestr Checking Account Page 1 of 14 Pease rend and sign blow, ‘Schwab One Brokerage Account Disclosure and Account Holder Signature(s) ‘Schwab One Brokerage Account Terms By signing this Application, | acknowledge that Ihave received and read a copy of the atached Application Agreement, which contains a predispute arbivation provision. | acknowledge that my signature signifies and constitutes my agreement that ths acccunt and my relatonship witn Schwab wil be governed bythe Application Agreement and all incorporated agreements and disclosures, including the Schwab One® Account Agreement and the Charies Schwab Pricing Guide, each amended trom time tote (the “Agrooment ana Disclosures". undorstand tere are fes assccvated with establishing, ‘maintaining, ongaging in transactions in and trancforring ascts cut of this account Unless Ihave declined tho margin feature, | acknowledse that secures securing loans from Sctwab may be lent to Schwab and lant by Schwab to ethers. also acknowledge that i ade "on margin," Iam borrowing money rom Schwab and that {understand the requirements and risks associated with margin borrowing as summarized in the "Margin Disclosure Statement” included with tis Aapalication also acknowledge thatthe securities products purchased or sald ina transaction with Schwab () re not insured by the Federal Deposit insurance Corporation FIC") i) ae not deposits or other obligations of Charles Schwab and are not (uararteed by Schwab Bank; end (i) are subject to Investment rsks, including possible oss oF the principal swested, For purposes ofthis account application an the attached Application Agreement, the terms my" and "Account Holder refer to cach parson who sign tis account application and apply with respect to both a parson’ individual capacty as well as any applicable representative or fiduciary capacty. The terms "we, ie and "Sehwab" refer to Charles Schwab & Co,, nc. The trm "Schwab Bank” refers to Charles Schwab Bank, "certify, under penalty of perjury, that (1) the number shown on this Application is the correct Taxpayer Identification Number, (2) am not subject to backup withholding due to a failure to report interest and dividend income; (3) am a U.S. person (a US, citizen oF U.S. resident alien; and (4) lam exempt from Foreign Account Tax ‘Compliance Act (FATCA) reporting. | understand that If have been notified by the IS that lam subject to backup ‘withholding a a reault of dividend or interest underreporting and Ihave not received a notice from the IS advising ‘me that backup withholdings terminated, I must eross out item 2 above. ‘The Agreement with Schwab contains a predispute arbitration cause. You acknowledge recapt of the predispute arbitration clause contained in Section 14, age 2 ofthe Application Agreement. ‘The ntemal Revenue Service does not require your consent to any provision ofthis document other than the certiiations required to avoid backup withholding, IID x apa7io22 ‘I Schwab One Brokerage ecount ers must sig ‘sng ue o Black nk, ‘These features apply alto your High Vi imestor (Checking acount, Youvwil be ened in Bil Pay unas ou check the box"No, dont enol my account in ‘Sehwab Ban Bl Py.” ‘Recount Hoydgt Sighature Todays Date mniiiyyy Juan M Cruz Pena Print Name x ‘Additional Account Hokler Signature Todays Date mmviyyy Print Name ‘Schwab Bank Bill Pay" (Optional) This online electronic bill payment feature is provided unless you check the box below. The feature is provided at no additional charge and wl be activated after you fund your account. No, do not enroll my account in Schwab Bank BillPay. ©2021 hale Seba Co. ne Allighsresened. Member SC. ©2021 Chas Schwab nk SS, AGH reserved: Member FIC. EualHousing Lender (012/-0WFK) APP3I65-29,02/21)(en a Schwa One® Brokerage Account anda Linked Schwab Bank Hin Vi! Jvestr Checking Account Page 12 0f 14 Besurotoatach an gal, repented and vided check or preprinted savings account depos sp iu selet his ton. Remember that Sehwab Bank BLP wl be aeivatedand ches be srt aor you fund your High Ve Ivestor Checking account, Visa® Peatrum Debit Carll be sent upon account oping Please ead and sign below ‘onthe following pag Overdraft Protection This feature automatically transfers funds from your linked Schwab One brokerage account, up to your Authorization Limi, including Avaliable Margin Loan Valu, to your High Veld Investor Checking account in order to provide you with ‘coverage again incufciet funds, To digcontinue this feature, please contact a Schwab representative after your account is open. Overdraft protection using margin sources may create a margin loan in your brokerage account that may be subject to daly interest charges, margin calls or potential quidation of secures, Referto the Schwab Bank Deposit Account ‘Agreement and your Schwab One Account Agreement for details. Select How You Will Fund Your Schwab Bank High Yield Investor Checking Account (Optional) [Aisa Platnum Debit card wil be sent upon account opening. Schwab Bank BillPay willbe atvatedafter you fund your account ‘ith ary amount Schwa Bonk checks willbe sent after you fund your account with at east $100. Important Note: Once your High Vel nvestorCheching account is opened and approved, you Visa Platnum Debit Card wil utomatialy be maledto you In 35 business days However, chacks wil be malled once funds ae posted ta your High Ved Investor Checking account you need your debit car expected, pease call Schwab Bank at 1-888-405-9000. 15 fee may apply fo expedited card requests, DF Make a one-time electronic funds transfer (“ACH Transfer") of $ (up toa ‘maximum of $100,000) from your checking or savings account af anather fancialinttutian. The names of the ‘owners ofthe account atthe other financial institution must be the same as those on your High Vield Investor Checking account, C1 Mako a one-time transfor of $ ‘rom your linked Schwab One brokerage ‘account. We recommend selecting is option ony fyou have chosen to fund your brokerage account a chock oe ‘money order, due to the additonal time required to complete the transfer process. 7 epost tunes using the Schwab Mobieappizatio, Doanoas the Schwab Mobi€ app and apply for Serwab Nabil Deposit, You mutt be approved frthis sence) Ti Make a check or money order payable to yourself, write “Schwab Bank" on the memo line, and include it with this application. C1 Direct deposit. With this service, you can have part of your paycheck, government payment or other recurring, payment deposited directly ito your Hig Veld Investor Checking account, After recelving your account number, please goto waw.schwab,com/directdeposit, print a personalized direct deposi form and give itto your employer or ‘ther entty. Sen id Investor Chec! Tae ‘Schwab Bank High Yield Investor Checking Account Terms These account terms are an agreement between Charles Schwab Bank, SB "Schwab Bank?) and each account holder for High Yield investor Checking account "l"*me" and ‘my’ reler to each account holder, Allacount holders ae required to sign. By signing below, each account holder 1. certifies that lam the age of majority in the state inwhich Ive that lam legilly authored to enter into this agreement, ‘and that the personal information prowded in ths Appliation, and during the Applicaton process, is true and core: 2, agrees that my High Yield tvestor Checking Account willbe governed by the terms ofand acknowledges that Schwab Bank ‘ill provige me with copies of and adwses meto read te folowing documents befor account opening or before a sevice s provided) the Schwab Bank Deposit Acccunt Agreement, which contains an arbitration provision and the Terms ond Conditions forthe Schwab Bank BillPay service () the Bank’ Facts: What Does The Charles Schwab Corporation Oo With Your Persona information? or any other successor publication) Important Privacy Choice for Consumer, for California residents ‘only and (a the Schwab Bark Deposit Account Pricing Guide, 3. acknowledges tat ifthe Application is approved, each acount holer will ecelvea Visa® Platinum Debit Cardand Visa Debit Card Agreement once the accounts opened which contains theterms and conditions that apply to this card; 4. acknowledges that, unless specially stated otherwise, | wil be enrolled in the Schwab Bank Bll Pay service; 5 agreesto be subject tothe terms and condition ofall documents associated with my High Vil investor Checking account ‘upon account opening nd acknowledges that Schwab Bank advises meto read al the dilesute dacuments proto ‘opening or usng myaccount 6. acknowledges that my Hgh Ved Investor Checking accounts inked with my brokerage account maintained at Charles Schwab &Co, Inc, ategbteted broker-dealer, and authorizes Carles Schwab & Co, Ine 19 follow the instructions set forthin thi Appliation, apoicable 2. authorizes Schwab Banko inate 2 one-time debit any or exelent incase of err) 0 thelnstitution and account Specied by my attached voided check or saving account depot sip electronically or by other commercially accepted ‘method, only fund my High Vila investor Checking account: certifies that the Information provided on the voided check ‘2021 Chr Sea Co. Ine. lights sere. Member SFC (202 Cares Swab Bank S58. Alighteseved, Member FEI. Equl Housing ender. (O12TWFK)APFBBI6529 (2/2)(en a Schwa One® Brokerage Account anda Linked Schwab Bank Hin Vi! Jvestr Checking Account Page 13 of 14 ‘or savings account deposi slip correct nd that am authorized t transfer funds from the specified account: and understands thatthe owners listed onthe specified account that wll be debited mustbe the same asthe owmers of my High Yield investor Checking account ', authorizes Schwab Bankto inuie from any source including a consume reporting agency, sto my deny (as required by {federal av creditworthiness and ongaing elit for the acount another information at account epening, a any time ‘throughout the ie ofthe account and thereafter for debt clletion or investigative purposes: and ‘9. understands that if no activty occur inthe account within the time period specified by applicable state la, the account may Detransfeed to the appropriate state Plosse note Schwab Bank wil We respect your privacy. Schwab Bank wil use the personal dentifcation and accaunt information provided in this Application inate an inquiry witha and that yu prewously provided to Schwab to open and service your accounts, communicate with you, and provide Information Consume Reporting Ageney about products and services, Schwa Bank doesnot consider your marital iat when processing yout High Vid investor (eg. ert choot inordor_Cheeking Account Application. For mor information on privacy polis read about out privacy pli in Schwab Banks Facts To alte you High ald What Does The Carls Schwab Corpraton Do With Your Perscnalinfermation? booklet. A equied by federal, we wll se the Investor Checking Account information you provide to Schwab to very you dent -pplatin. {certify under penalty of perjury that: 1. The primary account holder's number shown on this Apptication is my correct Taxpayer Mentification Number, 2, 1 amnot subject to back-up withholding because: (a) am exempt from back-up withholding, (b)! have not been notified by the Internal Revenue Service (RS) that Lam subject to back-up withholding as a result of a failure to report all interest and dividends, or (c) the IRS has notified me that lam no longer subject to back-up withholding: and 3. lama U.S, person (a US. citizen or U.S. resident allen), (understand that f1 have been notified by the IRS that lam subject to back-up withholding asa result of dividend ‘or interest underreporting and Ihave not received a notice from the IRS advising me that back-up withholding torminated, must strike oF cross out the information contained in tom 2 abeve.) To open a High Veld Investor Checking account offered by Schwab Bank, please sign and date below in blue or black Ink only. The IRS does not require your consent to any provision of this document other than the certiieation required to.avoid back-up withholding. I= x 4yarjaan2 AiscwabBarkaccount Account Holder Sjyfee 77 Today's Date mn/siyy7 ola must in and date wing blue otek ink, Juan Mi Cruz Pena Print Name x ‘Adaitonal Account Holder Signature Todays Date mnviiyay Print Name Gaus ©2021 hale Schwab Co. ne. Allighsresened. Member SC. ©2021 Chas Schwab nk SS, AGH reserved: Member FIC. EualHousing Lender (012/-OWFK) APP3I65-29,02/21)‘en a Schwab One® Brokerage Account anda Linked Schwab Bank Hin Vid lvestr Checking? Account Page of 14 0 += Upload online with sacure massaging (f you are an existing clant and have online access to your account. 1. Go to Schwab.com and log into your account. 2. Click the Message Center lnk (under Servic), and then click the Upload Dacument lnk, 28. Upload your form as an attachment by clicking the Ad File button, 4, When your message is complete, click Send. 1 Fax to 1-888-525-7252. += Bring to your nearest Schwab branch (vist Sehwab.com/branch for lcation). = Mail to any ofthe folowing addresses: Rogular Mail (West) Regular Mail (East) Overnight Mal (West) Overnight Mail (East) Charles Schwab & Co, Inc. Charles Schwab & Co, Inc. Charles Schwab & Co., Ine. Charles Schwab & Ca, ne .0. Box 982600 P.O. Box 628291 1945 Northwestern Or. 1956 Summit Park Dr, Ste, 200, ELPaso, 1X 79998-2600 Orlando, FL 32862-8291 EL Paso, TX 78912 Orlando, FL 32810, ‘Brokerage Products: Not FDIC-Insured » No Bank Guarantee » May Lose Value Charles Schwab &Co, Inc. Schwa") and Chatls Schwab Bank, SSB (‘Schwab Bank’) are separate but afilated companies and subsidiaries of The Chatles Schwab Corporation. Brokerage products are offered by Chores Schwab & Co, Ine, Member SIPC. Deposit and lending products and services are offered by Cates Schwab Bank, SSB, Member FDIC and an Equal Housing Lender ‘©2001 Chas Stab Con. lights eered Member SIPC (S202 Cas Schwab an SSB. Aig reseved, Member FDIC. Equl Housing ender. (121WFK) APPSEI65.29 (02/21)Ce ae Rents jent Copy Schwab One® Brokerage Account Application Agreement Pago 1 of 3 ‘This agreement relates to your account and is part of the Account Agreement between each account holder and Charles Schwab & Co, nc. ("Schwab"). + Please read and retain for your fle. + You do not need to return this agreement to Charles Schwab. ‘Section 1: Scope of Agreement. ‘Your agreement with Schwab consists of the terms set forth inthis Aoplication Agreement and the terms set frthin the Schwab One ‘Account Agreement, which incorporates the Charles Schwab Pricing Guide and a number of thor important dislosures, The Schwab One ‘Account Agreements provided with this ‘Application or atthe opening of your Account. ‘You agree to contact Schwab you co not receive the Schwab One Account Agreement. In adtion, you may inthe future receive from Schwab supplemental tems or aisclosures ‘that pertain to certain account types, sevice Teatures and benefit packages. These supplemental terms and disclosures, this ‘Application Agreement an the Schwab One ‘Account Agreement are collective refered to 18 the “Agreement and Disclosure.” You agree ‘to ead the Agroement and Disclosures carefuly and retain copies for your records. Section 2: Acceptance of Agreements and Disclosures. You agree thatthe Agreement and Disclosures {govern all aspects of your relationship with Schwab, including all transactions between Schwab and you and all products and services ow orn the future offered through Schwab, Schwab may rely on your use of Schwab's, products and sonvices ae evidence of your Continued acceptance ofthe Agreomont and Disclosures. Section 3: Your Representations and Warranties. You represent and warrant that: (a) you are of legal age in the state in which you live and you are authorized to enter into this Agreement (b) yu have supplied accurate information in your ‘Account Application; ( 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 Account: () no additional authorizations ‘rom thcd parties are required for you to open the Account and effect transactions therein; (e) except as you have othervise indicated on your ‘Account Application orn writing to us, (0 yo are not an employee of or affliated with any securities exchange or member fim of any exchange, the Financial Industy Regulatory ‘Authority (FINRA) or any securities frm, bank, ‘wust company, or insurance compary; and (i) you are nota decor, 10% beneficial, Shareholder, policy-making officer, or otherwise fan “affilate” (as defined in Rule 144 under the Securities Act of 1935) of a publicly traded company, and f this Application Agreement, fas amersied from time to time, isa legal, valid land binding obigation, enforceable agsinst you In accordance with its terms. Section 4: Account Handing. Schwab will automatically hold all ef your securities purchased, sales proceeds, ividends and interest. Schwab wil aso release your name, address and secures positions to companies in which we hold Securities for your Recount upon request, Unless you noiy us otherwise in writing you ‘maintain more than one account at Schwab, you authorize Schwab to transfer assets between your accounts when ne written authorization is requested. ‘Section 5: Responsiblity for Investment Decisions. You agree that you and any agent under a power of attorney or Investment Acisor (it you have one) are solely responsible for investment ecisions in your Account, including whether to buy or sella particular securty, Unless requied by aw, or uniess Schwab provides advice to you that clearly identied as an individualized recommendation for you, you Lnderstand that Sehwab has no obligation to ‘determine whether a particular transaction, strategy, or purchase or sale ofa secunty is suitable for you. Your obligation includes an afirmative duty to monitor and stay informed About your Account and your investments and respond to changes as you deem appropriate, Uniess Schwab othervise agrees with you in ‘writing, Schwab does nat have any iscretonary authority or obligation to review for make recommendations fo the investment of securities or each in your Account. You acknowledge that Schwab doos not provide tax or legal advice. Section 6: Payment of Indebtedness. ‘You agree to make payment of any indebtedness related to your Account, including, but not tmited ¢o, any euch indebtedness that results for instructions Provides to Schwab by you, your agent or any Battomey-in-fact under a power of artomey oF Investment Achisor authorized to make transactions in your Account. We may elect anytime, with oF without notice, to make any Gebit balance or other cbligation related to your Account immeciately due and payable, We ‘may report any past-due account toa Consumer and/or securities credit reporting ‘agency. We may also refer your Account to a callection agency. ‘Section 7: Granting a Lien on Your Accounts. {As security forthe repayment ofall present oF future indebtedness owed tous by each Account Holder, each Account Holder grants to Us a fst, perfected and prior ien on, a Continuing security interestn, and right of set- Off with respect to, al property thats, ow or in the futuro, nel, cartiod or maintained for any purpose in or through Schwab, and, to the ‘extent of such Account Holders interestn or ‘through, any present or future account with us (oF our afiates in which the Account Holder hasan intorost. In tho evont of broach or default by you under this Agreement, Schwab wall have the rights and remedies available to a secured creditor under all applicable laws in adcition to the rights and remedies provided in thi Agrooment you owe money to Schwab as the resut of acti in your Account and there are assets avaiable in any non-retrement brokerage account that you hold at Schwab which could fully or partial satisty the debt, you agree that, Upon Sehwabie written demand, you il. execute all documents necessary to effect a transfer from your non-etirement brokerage ‘account and agree to pay or cause such funds to be paid immediately to Schwab in order to sataty your indebtedness to Schwab. Section 8: Liqudations. \Whonever it is necessary for our protaetion oF to satisfy a margin deficiency, debit or other ‘obigation owed us, we may (but are not required to) sll, assign and deliver al or any part ofthe property securing your obigations, fr elogo any or all vaneactione in your Account. We may choose which property ta buy or sel, which transactions to close and the sequence and timing of liquidation. We may take such actions on whatever exchange or market and in \wihatover manner (including public auction oF Private sale) that we choose in the exercise of fur business judgment. You agree not to hold Us lable for the chooe of which property to buy (oF sell or of which transactions to close or for Brokerage Products: Not FDIC-Insured » No Bank Guarantee » May Lose Value S300 hae Swab ECan Agi veroned: Verba SE ©2021 Chas Schwab ank SS, ADGhS eared, Member FIC uatHowing Lend (120K APPSB165.29 (2/21)Schwab One® Brokerage Account Aplcaton Agreement - cient Cony Page 203 timing or manner of liquidation or ay tax consequences from such actions. In certain circumstances we may, at our sole aiseretion, liquidate your entire margin loan balance to satisfy a margin cal, You agree rot 1 hold us lable for taking auch action, We may tranefr property fram any non retirement brokerage account in which you have an interest any other brokerage account in which you have an interest, regardless of whether there are other account holders on either account, we determine that your obligations are not adequately secured or {o satisty a margin deficiency or other dbligation, You agree to pay on demand any account deficiencies after iquidation, whether liquidation is complete or partial. Allof the above may be done without demand {for margin ornate of purchase, sala, transfer dor cancellation to you. No demand for margin ‘or notice shall impose on Schwab any Bbligation to make such demand or provide Sch notice to you in te future, Any such natee or demand is hereby expressly waived, and no spect demand or notice shal invalgate this waiver. Section Interest on Debit Balances. ‘We will charge and compound interest on your debit balances (whether ina Margin or Cash ‘Account) according to our Disclosure of Credit Terms and Policies Section 10: Borrowing Money and Margin ‘Trading. ‘All margin transactions are subject to our Disclosure of Credit Terms and Policies and our Margin Disclosure Statement." You agree not to enter an order for a margin transaction uni you have ead and understood the Disclosure Of Credit Terms and Policies and the “Margin Disclosure Statement.” Section 11: Loan Consent. You agroe that property held in your Margin ‘Account, now oF inthe future, may be borrowed (either separately or together withthe property of ethers) by us (ating as principal) or by thers. You agree that Schwab may receive and retain certain benefits (including, but not limited to, interest on collateral posted for such loans) to which you will nat be ensitieg. You acknowledge that, in certain crcumstances, such borrowings could mit your ability to exorcise voting rahts or ecelve dividencs, in wile or in part, with respect to the property lent, You understand tha for property that i lent by Schwab, the dividends pais on such property wil goto the borrower. No compensation or other reimbussements willbe due to you in connection with such borrowings. However, if you aro allocated a substtuto payment in lau of dividends, you understand that such a payment may not be entitled tothe same tax treatment as may have boon applied to the receipt ofa dividend. You agroe that ‘Schwab isnot required to compensate you for any ciferentia tax treatment between tividends and payments in isu of dividends, Schwab may allocate payments in eu of ‘ividands by any mechanism permited by lav, including by using lottery allocation system. Section 12: Using the Check & Visa® Platinum Debit Card Features. Hf you have requested check or Visa Platinum Debit Card features through your Account, you authorize checks and Visa Platinum Debit Cards to be issued as inciested in your Account ‘Application. You agree that each Account Holder is authorized to write checks and engage in Vsa Platinum Debit Care transactions, and you understand that f the checking feature ie terminated, your Visa Platinum Debit Card willbe automatically cancelled. Section 13: Verification, ‘You authorize Schwab to inquire from any source, mluding a consumer reporting agency, as to your identity (as required by federat law), tredtworthinass and ongoing elgslity for the ‘Account ofthe Account Holders, any other person referred to on this Application, or any person who Schwa is later notified is, fssociated with orhas an interest in the ‘Account (as wal as such persons” spouses if ‘hey liven a community-propery juisdictan) at account opening, at any te throughout the life ofthe Account, and thereafter for debt eolection or investigative purposes, Section 14: Required Arbitration Disclosures. Regulatory authorities require that any brokerage agreement containing a predispute arbitration agreement must disclose that this ‘agreement contains a predispute arbitration ‘clause. This Agreement contains a predispute arbitration clause, By signing an arbitration agreement, the parties agree as follows 1. Allparties to this Agreement are giving up ‘the right to sue each other in court, including the right toa trial by jury, except as provided by the rules ofthe arbitration forum in which a claim is filed. 2, Arbitration awards are generally final and binding: a party’ ability to have a court reverse or moclty an arbitration award is very limited. 3, The ability ofthe partes to obtain documents, witness statements and other iscovery is generally more Umited in arbitration than in eourt proceedings, ‘4 The arbitrators do not have to expan the reason(s) for their award unless, in an eligible case, a joint request for an explained decision has been submitted by allparties to the panel atleast 20 days prior ‘tothe first scheduled hearing date, 5. The panel of arbitrators will typically include a minorty of arbitrators who were ‘or are affliated with the securities industry. 6, The rules of some arbitration forums may impose time limits fer bringing a claim i arbitration, In some cases, a claim that is ineligible for arbitration may be brought in ‘court. 7. The rules ofthe arbitration forum in which the claim i filed, and any amendments ‘hereto, shall be incorporated into tis, Agreement. ‘No person shall bring a putative or certified clas action to arbitration, nor seek to enforce any predispute arbitration agreement against ‘any person who has initiated in court a putative lass action; or who is a member of putative class who has not opted out ofthe lass with respect to any claime encompassed by the putative classaction until 1 the class certification ie denied; 2. he class Is decertiie: oF 3. the customer is excluded from the class by ‘the court. ‘Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this Agreement except to the ‘extent stated herein, section 1 Arbitration Agreement, [Any controversy or claim arising out of or relating toi) this Agreement, any other lagreement with Schwab, an instruction or authorization provided to Schwab or the breach of any such agreements, instructions, ‘or authorizations; (i) the Account, any other ‘Schwab account or Services; i) ransactions Inthe Account or any other Schwab account; (i) orn any way arising from the relationship with Schwab, its paren, subsidiaries, afflaes, officers, directors, employees, agents or service providers (‘Related Third Parties"), including any controversy over the arbitrabily ofa dispute, will be settod by arbitration. This arbitration agreement wil be binding ‘upon and inure to the benefit of the partes hereto and their respective representatives, attoreys-in-fact, heirs, successors, assigns land any other persone having or claiming to hhave algal or beneficial interest in the ‘Account including court-appointed trustees and receivers. This arbitration agreement vill Also inure to the beneft of third-party service providers that acct Schwab in providing Services ("Third-Party Service Providers") and such Third-Party Service Providers are deemed to be third-party beneficiaries ofthis arbitration agreement. ‘The parties agree that this arbitration agreement will apply even ifthe application to ‘pen the Account is denied and will survive the closure of your Account and/or the termination of services rendered under thie Agreement. ‘Such arbitration will be conducted by, and according tothe securities arbitration rules ‘Brokerage Products: Not FDIC-Ineured » No Bank Guarantee » May Lose Value i001 Caer Swab ECan Aligheeroned: Verba SPE 62021 Chas Schwab Bank SS. ALghs served, Member FIC. ual Housing Lend (12. oWeK APPSB165.29 (2/21Schwab One® Brokerage Account Aplcaton Agreement « cient Cony Page dots and regulations then in effect of, the Financial Industry Regulatory Authority (FINRA) or any national securities exchange that provides @ forum for the arbitration of disputes, provided that Schwab ie member of euch national ‘securtios exchange atthe time the arbitration Isiniated. Any party may inate arbitration by fling a written claim with FINRA or such ‘eligible national secures exchange. arbitration before FINRA or an eligible national ‘securities exchange is unavailable of impossible for any reason, then such arbitration will be conducted by, and ‘according tothe rues and regulations then in ‘offect of the American Arbitration Association (aaa). If arbitration before the AAA is unavailable or impossible for any reason, the parties agree to have acourt of competent Jurisdiction appoint three (3) arbitrators to resolve any and all disputes or controversies, between or among the parties. Each party hall bear its own intial arbitration cost, hich are determined by the rules and regulations ofthe arbitration forum. in the ‘event of financial hardehip, the arbitration {forum may waive certain costs in accordance with such rules. At the conclusion of the hearing, the arbitrators wil decide how to ‘assess the cost ofthe arbitration among the partes, ‘Any award the arbitrator makes shall be final ‘and binding, and judgment on it may be ‘entered in any court having jurisdiction, This arbitration agreement shal be enforced and interpreted exclusively in accordance with ‘applicable federal laws of the United States, including the Federal bitration Act. Any ‘costs, fees or taxes involved in enforcing the ‘award shal be fully assessed against and paid by the party resisting enforcement of said award. For FINRA arbitrations, FINRA will appoint a ‘single pubic arbitrator in customer cases ‘decided by one arbitrator. In customer cases decided by three arbitrators, investors have the option of choosing an arbitration panel vith two publi arbitrators and one non-public abitrator (Majority-Publle Panel Rule) ora panel ofall public arbitrators (Optional Al- Public Panel Rule). If the customer dectines to ‘lect a panel selection method in writing by ‘the applicable deasine, the Majerity-Publie Panel Rule for electing arbitratore wil apply. Al notices from one party tothe other involving arbitration shal be considered to have been fully given when so served, mailed by first-class, certified or registered mal, or ‘otherwise given by other commercially ‘accepted medium of written notiiestion, In addition tothe above provisions fa party to this Agreement is or becomes a non-US. resident atthe time of any controversy ‘subject to this arbitration agreement, such party acknowledges and agrees tothe following adcltional provisions 1. The rules ofthe organization administering the arbitration specifically provide for the formal designation ofthe place at which the arbitration sto be held. 2. Entering into this Agreement constitutes consent to submit to the personal jurtaccton of the courts ofthe state of Calflora, US, t Interpret or enforce any or allo these arbitration provisions. “Jedgmenton any arbitration award may be entered in any court having jurisdiction, or application may be mad to such court for dela acceptance ofthe award and an ‘order of enforcement, asthe caze may be, 4. The exclusive language tobe used by the parties and the arbitrators in the arbitration proceedings shal be English. Ary party Wishing an interpreter shall make a rangement rectly with the interpreter fn shall assume all costs ofthe sevice, 4. tha party foreign government or stat, state-owned or stateroperated enterprise er other instrumentality ofa foreign foverament or sat, such party waives a Fights of sovereign Immunity and nether the Federal Act of State doctine nor the doctrine of sovereign immunity shall apply insofar as any enforcement in courts located inthe U.S.A is concerned. ‘Section 16: Electronic Copies, ‘The electronically stored copy of your (or your agent’) signature, any written instructions or Authorizations, th Account Application and the ‘Agreement and Disclosures are considered to be the true, complete, vali, authentic and enforceable recor, admissible in judicial, Administrative or arbitration proceedings to the fame extont aif the documents and records ‘wore orginally generated and maintained in printed form. You agree to not contest the Admissibility or enforceability of Schwab's electronically stored copy of such documents in fany proceeding between you and Schwab. Section 17: Float. You agree that Schwab may retain as compensation for services your Aecount’s proportionate share of ary interest earned on aggregate cash balances held in Schwab's bank account with reepect to (1) assets awaiting investment or (2) assets pending distribution from your Account. Such interest Felained by Sehwab shall generally be at ‘money market rates. Schwab's reezt of such Compensation i futher described inthe ‘Agreements and Disclosures. Section 18: Unclaimed Property. If no actity occurs in the Account within the time period specified by appiicabe state law, the Account may be transferred to the appropriate state. Section 19 Information About SIPC. ‘To obtain information about Securities Investor Protection Corporation (SIPC), ineluding an ‘explanatory SIPC brochure, please contact SIPC at watwsip.org or 1-202-371-6300. ‘Section 20: Impartial Lottery for Securities ‘Subject to Partial Call or Partial Redemption. If Schwab holds secures for you in street name, in Schwab's name, or in bearer form that fre subject to partial call or partial redemption, then in the case ofa partial call or partial redemption Schwab will use an impartial lottery system to select the securties tobe called or Fedeemed from among accounts holding those Securitas, For a description of Schwab's latory system, please visit wwn.schwab.com/ PantialCalls. if you would tke a printed description of Schwab's lottery system mailed ta you, please contact a Schwab representative at 1-800-435-4000, Brokerage Products: Not FDIC-Ineured » No Bank Guarantee » May Lose Value UOT hae Swab AC ne Aligheeroned: Verba SPE 62021 Chas Schwab ank SS. ADGhS esered, Member FIC. qual Housing Lend (rz. oWeK APPSB165.20 (02/21Salas OTN) Margin Disclosure Statement ‘www.schwab.com | 1-800-435-4000 (inside the US.) intermationa.schwabs.com | +1-415-667-8400 (outside the US) “This is important information regarding margin borrowing, ifyou have requested the margin feature on your brokerage account. + Please retain this document for your fils. + When using margin, please keep these important rules and conditions in mind = Acomplet ist of terms and conditions pertaining to margin trading and short seling, including credit terme and policies, ean be found inthe Account ‘Agreement. The Account Agreement wil be provided to you after account opening o* you can accessit at anytime on our weosite er by caling us. Piease read this important decument before opening a margin account. + For questions regarding margin borrowing, please contact us atthe numbers listed above. For clients of independent investment advisors, please call your advisor directly or call Schwab Alliance at 1-800-515-2157. \When considering a margin ian, you should determine how the use of ‘margin its your own investmont philosophy. tis important that you ful Understand the risks, rues, and Fequiements involved in tracing secures on margin “The following paragraphs highlght some of the erica aspects of margin trading: Margin trading increases your level of market risk, “Margin tring increases your buying power, allawing you to purchase a freater amount cf securities with your inveating dolar Therefore, your exposure to market volatility increases—a dectning market could result in ‘even greater losses. deciine inthe valve of your secures that you purchase an margin can require you to provide addtional funds to Schwab in order to avoid the forced sale of those securities or ather securities in your account ‘Your downside is nat imited tothe ealateral value in your margin ‘account. When you buy secuties on margin, you are borrowing money from ‘Schwa® fer par of your transactions, Securities and other assets in your Schwab accounts) are pledged as collateral to secure ths lan. These margin transactions are riskier and involve the possibilty of greater loss than transactions where you are not borrwing money the securiti your account decine n value, so does the value ofthe colateral Supporting your loan, When the value of the collateral falls below the maintenance margin requirements, or Schwab's higher “house" requirements, Schwab can move to protect its poston. In order to cover margin dteioncies, Schwab may sve you a margin calla raquast for adeitonal cash-or cell securities from your account. a sale does not cover the deficiency, you wll be responsible for any shortfall. Schwab may initiate the sale of any securities in your account, without ‘contacting you, to meet a margin cal. ‘Schwab wil attempt to involve you inthe case of margin deficiency, however, market conditions can require the frm to quickly sell any of your securities without your consent. Because the secures are collateral for the margin loan, Sehwrab has the right to decide which eecurty to sel in order to protect its interests Even if Schwab has contacted you and Provided a pacific date by which you can mest a margin eal the fr can still take necessary stops to protect its financial interests, including immediately seling the securities without prar notice to you. Schwab's house intial and maintenance margin raquirements may ‘exceed those established by the Federal Reserve Board and/or the Financial industry Regulatory Authority, Ine. Please call Schwab for current margin requirements. Schwab retains the right to change its inital margin requirements at any time and without prior notice. We may also impose anytime and without prior natice more stringent requirements on postions that in our sale scretion involve higher levels of sk for example, higher ints may apply {or thinly traded, peculative 0 velatiesocurtes, or concentrated Positions of secvrtes, Schwab may increase its house" maintenance margin requirements at ‘any Une andis not required to provide you with advance written notice, Changes in Schwab's policy regarding "house maintenance margin requirements often take effect immediately and can result inthe issuance ‘fa maintenance margin call. Your falure to sats the call may cause Schwab to liquidate o sll securities in your account. Schwab retains absolute discretion to determine whether, when and in ‘what amounts we wil require adtional collateral. For example, we can require addtional collateral fan account contains only one security or a large concentration af one or more securities; or low-price, thinly traded or volatile securities; orf some of your collateral is or becomes restricted ‘or non-negotiable oF non-marginable. We may alo consider market conditions, yur financial resources, or other factors deemed by us to be relevant given the circumstances atthe time, ‘You aro not entitled to an extension of time on a margin call, ‘white an extension ofime to meet margin raqurements might be available to customers under certain conditions, a customer doesnot havea righ to the extension. ‘Some accounts that carry a margin loan balance and hold dividend paying securities may receive a “substitute incame payment in leu ofa dlvidend” (PIL), This payment may be taxable as ordinary come, Taxable accounts that receive a PL instead of a qualified dvidend may aso receive a supplemental credit ftom Schwab. This will be identfied on customer statements aga "Schwab gubstitte income eredit® However when Schwab ean identify that a dividend is nonqualfie, we wil not cect your Account with this adsitional payment + This crit ia NOT “payment in ou and is unrelated to any payment fom either the security issuer or the borower. + Its a discretionary credit rom Schwab which may be discontinued inthe feture wth or without notice + Temay be subject to tax at your ordinary income tax ate. Pease consult your tax advisor about your specific tax situation. + Because individual tax situations difer, Schwab cannot precisely caleuate the additional tax costs a cient might incur. Thereloe, we do ‘ot intend, nor should lients expect, for this payment to be an exact reimbursement of any excess tax cost. “Please reterto the ‘Loan Consent” section of your Account Agreement ‘which states that no compensation is due in connection with such loans Sand that Schwa “e nat required to compeneata you for any diferetil tax treatment between dividends and payments in lou of divdends* Independetimestnet acters ae ot ewned by. afte wth, or supers ty Carles Schwab & Co, In 'chwab, 12020 Charles Schwab & Ca Ine Al hts eso. Memb SPC. CC398I05 (0614-7124 REGIS795-01 (0220)Ce ae Reve) Transfer Disclosure Regulation E—Electronic Funds Page 1 of2 ‘This disclosure applies to your account f you lected to fund your Schwab One® account using Schwab MoneyLink® electronic funds transfer, or if you flected to fund your Schwab Bank High Yield Investor Checking® account using either a one-time electronic funds transfer from your checking. Savings account at another financial institution or a one-tme transfer from your Schwab One brokerage account, A complete Electronic Funds ranster Disclosure statement applicable t each account wil be provided to you with your account agreements efter account opening. Unies otherwise noted, throughout this disclosure “we,” "us," and “our” mean both Charles Schwab & Co, Inc ("Schwab") and Charles Schwab Bank, $858 ("Schwab Bank") Business Days. ‘Schwab's business days, applicable to your Schwab One brokerage account, are Monday through Friday, excluding U.S, stock exchange holdays and U.S. banking holidays, ‘Schwab Bank’s business days, applicable to your High Yield Investor Checking account, are Monday through Friday, excluding Federal Reserve Bank hatdaye, a funds transfers scheduled for a day other than a business day, we will ake iton the fllowing business day, Consumers Liability for Unauthorized Transfors. Tellus at once if you believe an unauthorized person has transferred ot may transfer money from your account without your permission. You can natty us by calling or writing Customer Service: For your Schwab One brokerage account: Cali: 1-000-421-4408 Write: Charles Schwab & Co, Inc, Attn IS Dacument Cont P.0. Box 262600 ELPaso, Tx 70988 For your Schwab Bank High Vile Investor Checking account: Cali: 1-288-402-9000, ‘Wete: Charles Schwab Bank, SSB P.O. Box £82605 ELPaso, TX 79888 Telephoning immediately isthe best way of minimizing your possible losses. Losses could include the money in yur account plus, the case of your Schwab Bank High ied Investor Checking account, any advances of transfers from an overdraft source linked to your account. f unauthorized activity occurs, you agree to cooperate during the investigation and to, complete any report or affidavit we may request. Also, i your statement shows transfers that you didn’t make or authorize, tellus at once fyou de not tell us within 60 days after the statement was mailed to you, you may not get back ary money you lost afte the 60 days, if we can prove that we could nave stopped someone from taking the ‘money if you had told us in time. if good reason kept you from telling us (such asa long trp or hospital sty), we will extend the time periods. Disclosure of Account Information. request from a government agency or law enforcement authority; (eo ‘evaluate your creditworthiness or our ability to collect any debt you owe us; ‘or (if you give us your permission. In addon, for your Schwab One brokerage account, Schwab may disclose ‘such information (a) o mutual funds that are involved with the products or services we offer or arrange on behalf of customers and (b] pursuant to Rule 14b-1 under te Secures and Exchange Aet of 1934, to companies in which you hold securties, unless we receive your writen abjection. Periodic Statements. ‘Schwab will send you a monthly account ctatomont for your Schwab One brokerage account unless there are no transfers in a particular mont In ‘any case, you will get the statement at least quarter. ‘Schwab Bank will send you 2 monthly statement fr your Schwab Bank High Vield Investor Checking account unless there is no account activity ‘ther than the posting of interest. We wil send you a statement atleast ‘quartery,even'if there is no activity in your account. Al electronic funds transfers posted to your account during the month are listed on your statement. ‘Our Liability for Failure to Make Transtors. He do not complete a wansfer to or from your account on time fin the Correct amount according to our agreement with you, we wil be liable for your losses or damages. However, thre are some exceptions. We are not lable, for instance, it + Through no fault of ours, you do net have enough money in your account to make the transfer. “lp the caso of your Schwab Bank High Yald Investor Chocking account, ‘the transfer would exceod the funds avaiable under your overdraft protection option, if any. + Your accounts resticted (because ofa court order or similar reason, ane we are not permitted to make the transaction, + Circumstances beyond our contra (suchas fire or flood) prevent the ‘wansfer, espite reasonable precautions that we have taken, + Any Automated Clearing House network or ther thika-party ‘communication system from which we requir information to complete transactions was not working propery. ‘Thote may be other exceptions permittad by aw. In Case of Errors or Questions About You Electronic Funds Transfers, IMyou think your statement is wrong orifyou need more information about a We may disclose your name and/or information about your account or Your deste fton on ne statement eal or Wott oe at soon ae you com transactions to aur agents anc affilates in order to facilitate your transfor request We may also disclose such information t third parties in certain circumstances, which may include: (a) to banks and other entities that are involved with the products or services we ofer or arrange on behalf of customers; (b) when it’s requested by a third party to complete & tranaction; c) to verily the existence ar canton of your aecaunt for credit bureau or merchant; (do comply with a subpaena, court order or {©2020 Cre Swan Co, Alrite ember SIPC Chres Seta an, 8 amber FOE Hog andr LACS? (OO REGO AZO)Regsaton Electrons Funds Transe Dielosre Page 2012 For your Schwab One brokerage account: Cali: 1-800-421-4668 rte: Charlas Schwab & Co, Ine. ‘Attn: IS Dacument Control P.O, Box 982600 E1Paso, TX 79988 For your Schwab Bank High Yield Investor Checking account. Cali: 1-888-409-2000 write: Charles Schwab Bank, SSB P.O. Box 982605 EL Paso, Tx 78996 Fax 1-877-526-8067 "We must hear from you no later than GO daye after we sent the FIRST statement on which the problem or error apeared. We nae! the flowing information: + Your name and account number ' Adeseriaton of the error or the transfer you are unsure about « Acloar explanation of why you belive itis an eror or why you need ‘more information and +The dollar amount ofthe suspected error If you tellus oral, we may require that you send us your complaint or ‘question in writing within 10 business days, ‘We will determine whether an ertor accurrad within 10 business days after we hear from you and wil correct any error promptly. If we need more time, however, we may take up to-45 days to investigate your complaint or question. If wa dacide to do tis, wo will credit your account within 10, business days for the amount you think sin eror, 0 that you wil have the use ofthe money during the time i takes us to complete our investigation. if we ask you to put your complaint or question in writing ‘and we do not receive it within 10 business daye, we may not eredit your For errors involving new account, peint-of-sale or foreign-iitiatod ‘transactions, we may take upto 80 days to investigate your complaint oF ‘question, For new accounts, we may take upto 20 business days to credit your account for the amount you thik is in error, ‘We wil tel you the results within three business days after completing our investigation. if we docide that there was no errr, we will send youa written explanation, "You may ask for copies ofthe documents that we used in our investigation. {©2020 rae Swan Co, le Alrite eer IPC Chr Sta an, 88 amber FOE Hove andr LACS? OZONE] REGSHGH-OG 40)Ce ae Rents Client Copy ‘These terms relate to your account and are part of the Schwab Bank Schwab Bank High Yield Investor Checking® Account Terms Deposit Account Agreement between each account holder and Charles Schwab Bank, SSB (“Schwab Bank”). Please read and retain for your files. ‘These account terms ae an agreement between Schwab Bank and each _accaunt holder fora High Vel Investor Checking account. """me” and "my" refer teach account holder. 1. cet that Lam of the age of majority in the tat in which live that ‘am legal authorized to ener nt this agreement, and thatthe personal Information povided inthis Application, and during the Application process Istrueand corect: 2. acknowledge that Schwa Bank wil prove me wth the fllowing| ‘documents beforeaccount opening or befor a services provided: a) the ‘Schwab Bank Deposit Account Agreement, which contains an arbitration provision and the Terms and Conditions forthe Schwab Bank Bil Pay™ ere) Schwab Banks Fact What Does The Charles Schwab Corporation ‘Do With Your Personal information” important Privacy Choice for Consumers fr Calforia residents ony: and 4 the Schwab Bank Deposit. ‘Account Pring Guide; 3. acknowledge thatthe Application is approved, each account holder will receive a Visa® Platinum Debit Card and the Vis Debit Card Agreement once the account is opened which contains the tems and conditions that apply to wis care: 4.acknowledge that, unless specifically stated otherwise, | ille enroledin ‘the Schwab Bank ll Pay service: agree tobe subject tothe terms and conditions ofall documents associated ‘with my High Viel Investor Checking account upon account opening, a acknowledge that Schwab Bank advises me to readall he disclosure documents prior to opening or using my account; ©2021 Chale Schwab Cone Allight exer. Mamba SPC 2021 Chr Schwa Sank, SB. Aighs reserved, liber FAC Equal Housing Lender 6.achnowiedge that my High Ved Investor Checking accounts linked with my brokerage account maintained at Charles Schwab & Co Inc. a registered broker-dealer, andl authorize Charles Schwa & Co Inet folow the Instructions set forth in ths Applieation fapliable 7.authorze Schwab Bank io ntate a one-time debt entry (or ret entry in ‘case of err) tothe insttution andaccount specied by my attached voided check savings account depos sip, electronically or by other commercially ‘accepted method, tinal fund my High Vel Investor Checking account| ‘erty that the information protded on the voided check or savings account epost sip is correct and that am authorized to transfer funds from the =pscfied account; alt understand thatthe ownerslsted onthe pected count tat willbe debited must match the owners of my High Yield Investor Checking account; 8 authorize Schwab Bank to inquie from any source, cluding a consumer reporting agency, a to my identity (as required by federal lw), ‘reitworthiness and ongoing elgbilty forthe account and other information ‘at account opening. at any time throughout te ie ofthe account, and thereaerfordbt collection or investigate purpose and ‘understand that ino activity occur inthe account within the time period specified by applicable tate la the account may be transfered tothe appropriate state (rz oWrR APPSE165-29 (02721This page is intentionally blank.fouiea Cash Features Program Sent) ‘The automatic General Terms and Conditions Pago 1 of 2 westment of your free credit balance, including the frequency and the amount of each sweep, is joverned by the terms and conditions set forth in the Cash Features isclosure Statement and in the Account \greement 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 Features Program Works 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 aliquid investment to earn interest. The program permits you to earn income while you decide how those funds should be invested longer term, Available Cash Feature The available cash features currently consist of: + 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 affliated 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 affliated 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 willbe 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 Eligibility for Cash Features Itis your responsibility to monitor your elighility for the cash features and determine the best cash feature available to you. Schwab is not responsible for contacting you if you are, or later become, eligible for other higher-yielding cash features, Interest Rates and Yields: The interest rates and yields for the different cash features vary over time. There is no guarantee that the interest rate and yield on any particular cash feature will be or will remain higher than 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 Consutant, of by caling us at 1-£00-495-4000. If you already have an account, you can vist ur ‘website at www.schwab.com/sweep. If your account is an Advisor Services account, please Gontact your acvisor, vist www. schwab.com/SA sweep, of call Schwab Alliance at 1-800-515-2157, + The interest rate on the Schwab One Interest feature is set by Schwab. We have the option to pay as low a rate as possible consistent with our 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 also has the ‘option to pay as low a rate as possible consistent with their views of competitive necessities. Retirement accounts will be paid a teasonable 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). (©2020 Chats Schwab & Cae Alright esened, Member SIPC, (CeHa7IS00 (B= TFGH)” RECN DBS-08 2/20),Cash Festures Program Ganeral Tams and Contons | Page 22 Interest Rates and Yields (Continued) + The interest rate on the Bank Sweep for Benefit Plans feature is set by our affliated bank(s), which intend to pay interest consistent with reasonable rate provisions of applicable legal and regulatory requirements, This can 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 can 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 charge fees and receive certain benefits under the different cash features. We share a portion of these fees and benefits with our investment professionals. Because of these fees and benefits, we have a financial incentive to select the particular cash features included in the Cash Features Program. Differing Risks and ‘Account Protection ‘The different cash features are subject to different risks and account protection: + The Schwab One® Interest feature is not subject to market risk and value loss but is subject to the risk of Schwab's failure. n the unlikely event that Schwab fails, cash is eligible for SI ‘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 untkely event that one or more of our affliated 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). Ths limit includes any other deposits you may have at that bank outide ofthe 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 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. (©2020 Chats Scab & Cay Alright esened, Member SIPC, (203871800(01i-7roe) REGST2SE-05 (3/20)Ce ae Rents ‘The Purpose and Effect of Your Consent “This iselooue and informed consent apoies to al communications for ‘those accounts, products and services offered in person or available via schuab.com, schvabalbance.com, or via.a Schwab mobile website or ‘mobile application used to access those accounts, products or services, to the extant they re not otherwise goweemed by the torme ofa separate disclosure and informed consent. Wie are required to provide to you "in writing” certain records and Gisclosures about our relationship and transactions in your account. You are entities to recelve those documents on papee. With your atimaive onsont, we ean provide the documents o you eloctrontlly instead va the Scnwab Paperless Documents program "Paperless Documents). The information below wil help you understand the conditions and requirements relating to Paperiess Documerts. You can always fd the ‘most up-to-date version ofthis important information st schwab.conv/paperess, consent. Paperless Documents categories include: tax forms, trade confirmations, shareholder materials, statements and aecount documents (ed, account Statements and ather account-related documents associated withthe account, including account agreement amendments and program Aislosures, fund prospectuses, and investment advisory sevice disclosures). Each of these document categories is described in detail, below Ifyou are opening an account, the account agreements and account and program disclosures delvered to you as pat of the account opening process are also included in Paperless Documents, Electronic documents Epectfi to your transactions and account willbe available anne for upto 10 years fom the date of intial delivery. Your consent to receive documents electronically is no inited in duration and does not expire. Depending on where you reside, the intial scope of your Paperiess Documents enrolment, and whether you have made modifications to your enrollment, not all document categores may appl to you. Certain ‘documents that are not curenty eluded in Paperiese Occuments may Continue to be delivered to you vie postal mal n the future, some or al of ‘these documents may be added to Paperless Documents and made avalabe to you electronical n accordance with your informed consent to ‘this disclosure. i you are uncertain which documents are covered by your Paperless Documents enrolment, please check online at schwab.con/paperiess, services cr cal or email Schwab or Schwab Bank Using the contact information below. For addtional information about Schwab Bank account statements, see the "Addendum" on the following page. You indicate your consent to Papestess Documents by providing an emai adaress and signing an acount agreement, or by licking or touching an“ Consent” or other button indicating assent to or acceptance of the Conditions and requirements relating to Paperless Documents, and we record your congent. The method of consent may depena on whether you are opening an account or separately enoling in Papertess Documents for an existing account. Ifyou do at provide consent, Schwab or Schwab Bank ill Send you paper copies. Your consent wil be effective unt you cancel your enzolment in Papers Documents or Schwab or Schwab Bank notifies you thatthe program is discontinued. you are a joint account holder, your consent binds the other account holder. By providing consent, you confirm that you have the ably to access ‘Schwab on the wed, and the abity to open, view, save, retain, and print POF documents ae decribed bolow, These bites demonstrate thst you tan receive the documents we wll delve to you, You alsa confirm that you have provided a valid email address as part ofthe account opening or Paperless Documents enraliment proves. ‘we may necessary and at our diereten, end your participation in Paperiags Documents, or change the tom and condltons relating to Paperless Documents and electronic communications tis your resporsibiity to rewew any updates in a timely manner, We wil provide You with notice of ary discontinuation or updates required by lav. ‘26A 18820 (620-003) REGARD is reseed, Member SIPC. ‘osra0) Important Information About Your Informed Consent to Receive Paperless Documents Pago 1 of 2 (Our Contact Information to Request Paper or Ack Questions “To accoss the document and print a copy, lg in to your Schwab or Schwab Bank account, select the "Accounts tab, then select "Statements To request paper, ask questions about, or report probiems conceming Paperiess Documents, you may contact Us 2 follows: To contact us by emai, login to schwab.com, cick "Contact US” and then click "Send a Secure Message” Advisor Services clients, please login > Sschwaballance.com. To contact us by phone: + lest Services clients: 1-800-435-4000. + Schwab Bank High Ved Investor Checking® (or other Schwab Bank) ‘lent: 1-888-400-8000. + Clients inthe UX. 00 800 0826-5001 + Clients in other countries: +1 415-867-8400. + Advisor Services clients: Contact your independent adhisor or eal 1-300-516-2187. + Schwab Inteligert Portfolios Solutons™ cits: 1-855-684-5208 + tnsttutional Inteligent Portfotos® clients: 1-877-805-3398, ‘Te Withdraw Your Consent ‘When you change your preference back to postal mail delivery, this cancels your eraliment in Paperiess Documents and withdrew your Consent for the document categories you indicate. You can do this by logging nto schwab.con/paperioss_services, or by calling or emailing Schwab or Schwab Bark Using the contact information above Allow 48 hours for processing. Your consent wil remain effective for other document Categories for which you maintain a paperess delvery preference, Important note for Schwab Advisor Services clients: Canceling or modifying yur enrolment may make your accounts) inaigibe for lower commission Fates, andthe commissions you pay can increase. Important note for Schwab Inteligent Portfli Solution and insiutonal Intellgent Portfolios clents: Inteligent Portoios i an al-lectronic. service Fin the future you request paper documents, withdraw your onsent or are unable to receive Paperless Documents, Schwab may terminate your account. Electronic Notfieation When a Paperless Document ls Ready We send you an amail to lt you know a documents avaiable, For some ocumens, te emal tel willbe the paperless document. For other Socuments the ema will contain a Unk that wil allow you to access or Sownload the document, and your login may be required prior to such Kooping Your Email Address Currant and Actions Schwab or Schwab Bank Wil Take There Isa Problem Please note that after thee consecutive months of unsuccessful electronic ebvery attempts of your tx forms, trade confirmations, or statements and account documents, your accounts) wil revert back to posta mall delivery, ‘This wl eancet your envllment in Paperless Documerts snd withdraw yur consent to receive Paperless Documents, Itis your responsibilty to notly Schwab or Schwab Bank of any change in your emalt address by loging into the Schwab site ard going to Service > My Profile > Emoit Addresses or using the contact information above. In Addition to the unenvoliment process outined above, we receive any incication ether thatthe emai notification cid not reach you successfully fr that tere isa problem with your emall address or service, we wil take ‘the folowing actone: + Tax Forms-Send a ltt by portal mal within two business days to inform you that we were unable to delver your tax form electronically, In certain circumstances, as may be required by law or regulation or for ‘other reasons, we may send you the tax form itself by postal mil within the time period proscribed by tho relevant logal or ragulatory requirements. * Trade Confirmation—Sond a paper copy ef trade confirmation by postal ‘mail within 26 hours. Also send a letter by postal mailto inform you that Wwe wore unable to delve your Trade Corhtmation to you electronical.‘Statoments and Account Documents-Send a later by postal mail informing you that we were unable to deliver your statement or account document electronically. ‘Shareholder Materils—Send a paper copy ofthe shareholder materials via postal mail within 24 hours, We wil send you a letter informing You that we were unable to deliver your shareholder materials electrnically ‘The account wil bo unenrolled from Paperless Documents, and we will begin to send you paper shareholder materials. Hardware and Software Requirements Paperless Documents requires you to have access to device (computer ‘ar smartanane) with internet service anc an active email account and aderoes, along with the folowing: + Acurrent version ofa comman internet browser, ith Javascript enabled, + Acurront version ofa program, such as Adobe® Reader, that accurately reads and displays POF documents you do not Rave Adobe ‘Acrobat installed on yout device, you can download the fee sofware at adobe.com, ‘An operating system on your device that supports the above. ‘Apainter that connects to your device if you wish to print documents. + Electronic storage connected to your device, if you wish to retain racordsin electronic form. (f yeu are using your computer, just save documents to your local hard eive,) Ifyou vse your smartphone, you must access the fll Schwalb website to view and print your documents. f you have questions relating to hardware and software requirements, please call or email Schwab using the contact information on the previous page. Security and Privacy Information Unies expressly stated, email notifications for Paperiess Documents are not encrypted For security and confidenialiy, unencrypted emai wil not include your name, fll account number, or anyother personal identifier. Be aware, however, that some email addresses may Use pat of your name or your entire name. Ifyou use a work email address, your employer or ther fmployees may have access to your email. To help you identily your account, we may include some portion, but not all, of your account rhumber. Schwab or Schwab Bank may use @ vendor to deliver Paperess Documents. "Whether Schwab, Schwab Bank, ora vendor delivers the documents, Schwab's privacy policy applies. Records and Disclosures Included in Schwab and Schwab Bank's Paperless Documents Program, ‘Tex Forms ("eTax Documents") ‘A tax document provides important information you need to complete your tax etums. Much ofthe information we provide in tx documents is also reported to the IRS. This includes any correct tax documents and fsccomparyng naices. Whon ata documents road, wo vil ond an ‘malt ratication with the subject ine IMPORTANT TAX RETURN, DOCUMENT AVAILABLE" and containing 2 web link to the document avaliable ster you log in. ‘Trade Confirmations (“eConfirms") ‘Avvade confimation i an offal record of your securities transaction. ft includes the price, number of shares, and the commission we charge you, a8 well as disclosures requires under federal aw Ifyou choose to receive paperiess trade contirmations, te terms and Conditions of your {ranaaction will appear the ems and on a veb page you can ink from the email. Your consent to receive paperiess trade confirmations also includes paperess deery of prospectuses or ote regulatory information \We provide to you atthe time of your trade, Your consent to receive paperiace rade confirmations algo covers papers delivery of Trade Confirmation Reports (TERS) fyou elect this alternative as part of your Managed Account enrolment. Statoments and Account Documents (‘eStatoments") [An accourt statement provides important information about your account, including the price and quantity of secures you hel, the tranoactone Brokerage Products Carles Schwa Bank, SSB and Charles Sehab & Coy In Brotrage prose oes by Chares Seta & Co spell freer rc the pre ons of inca nena, Ban 588, Meme FOI and en Ea (£2020 Chats Sta & Ca, he, Ag eizteszo oszo-tes RECSETEO tread. Member SIPC. ‘oso Not FDIC-Insured * No Bank Guarants Informed Consent to Receive Papertss Documents | Page 2of2 conducted, other activity in your account, and terms and conditions |overring your account, Account statements are sent atthe end ofeach ‘month in which you conducted aetvty n your account or atte end of tach calendar quarter, regardless of any account activity. With your fccount statements, we often ncude accompanying accountroiated Notices and other regulatory informaton, including, but not limited to, Schwab's Statomant of Financial Condition, pricing changes, changes to payment features, privacy policy annual novces, amendments to your Account agreements, and any sther documents, tices, and disclosures Fequired by law or regulatory rules to be provided to you. At sccount ‘pening and from time to te thereafter we also sena you notieations fbout your account. Collectively, we call these documents, notices, and Gisclosures "account documents” When you consent to paperiess account Statements, you also consent to paperless account documents. Investment Advisory Service Disclosures (A'Sub-Catogory of Account Documents) ‘Your consent to paperess Statements and Account Documents includes investment advisory program tsclosures, brochure supplements with information about individual Schwab representatives, and related materials Such as periodic updates or annual summaries of any changes to those documents ("Form ADV Disclosures") as Schwab makes these available in the future, The invastment advisory programs may inclde but ae not limited to Schwab Managed Pertiaios™, Schwab Managed Account Senvices™, the Schwab Advisor Network®, Schwab IntligentPotilios Solutions” and other simiar advisory services, and fee-based Financial Planning Services In adltion to Schwab’s and its afilates own Form ADV Disclosures, your consent also covers ADV Disclosures from third-party investment advisors whose services you select through Schwab, Paperless Form ADV Disclosures may accompany your account statements or be sent independently If the third party does not make its Form ADV Disclosures available electronically, you will stead receive the standard panted materials by postal mal, ‘Shareholder Materials ("Electronic Detivery") Shareholder materials include regulatory information such a8 prospectuses, prospectus supplements; quarterly, somi-annual, and ‘annual ports; and proxy materials. You wil receive an email notification ‘with a web link to shareholder materials if you have a postion in an equity ‘mutual fund as ofthe racord data ‘or a particular shareholder Sistribution and the materials are made availabe electroricaly by the issuer or thira party I the issuer or third party does nat make shareholder materials avaiable elecionicaly, you wil instead receive the standart printed materials by postal mail By providing your consert to receive ‘lectronic deivery of shareholder material, ou also consent to eactronic householeing. This means that f you and someone eisa enroll in thie papers cafvice using the same email address, ne may send one email Ennouncement to this ema address f each account nade eecurtion ofthe same issuer. Ths avoids duplicate mailings of sharehotder documents, IF YoU ne longer want electronic householding of your shareholder material, You must modify your Paperiess Documents enrolment as described Above. Your sharsholdor materiale may include electronic proxies. You may ‘elect to vote your proxy anne at proxwote.com by entering the control rhumber included in your email announcement and the last four digits of ‘your Socal Sacurty number or Taxpayer ldentiestion Number 8s your PIN. ‘Addendum for Schwab Bank Paperiess Statements. (reStatements') Schwab Bank Paperiess Documents categories include statements and Account documents and tax formes, The above information regarding the purpose and eect of your conser, including how to request paper ‘deivery, how to ask questions, how to withdraw consent fr paperless ‘deivery, electronic natifcation of ready statements, keeping a current femal address, hardware and software requirements, and security and pprvacy information, are all applicable to Schwa Bank accounts, Paperless Bocuments include account statements and ax forms. In aditon, account statements for your inveator Checking accounts), Investor Savings accounts), and Pledged Asset Lire® accounts) provide important information about your accounts including the account balance; the ‘wansactions conducted other actwity in your accounts; and other information, terms, and conditions governing your counts. May Lose Value Sparat but aflated comparis and subsiais of The Chtls Schwab Corpraton. fare He eo cept senso chants Sento Bene Se rs we post and oer longing products are sonces are offered by Cais Schwab us using Lande. Chars Schwab Sant S881 hot scungor tga a a secures bskerdeaThis page i intentionally blank.‘02021 Chas Sena Co. Ine. lights sere. Member SFC (202 Cares Schwab Bank S58. Aightseseved. Member FIC. Equl Housing ender. (121WFK)APF3BI65.29 (2/2)