Schwab One Brokerage Account and A Linked Schwab Bank High Yield Investor Checking Account Applications

CLEAR PRINT
Open a Schwab One Brokerage ®
Account and a Linked Schwab Bank

High Yield Investor Checking Account ®
Page 1 of 14
Schwab.com • Use this form to open two linked accounts: (1) a Schwab One brokerage account with Charles Schwab & Co., Inc.
(“Schwab”) and (2) a Schwab Bank High Yield Investor Checking (“High Yield Investor Checking”) account with Charles
1-800-435-4000
Schwab Bank (“Schwab Bank”).
(inside the U.S.)
• All account holders must be either U.S. citizens or U.S. resident aliens, reside in the U.S. or one of its territories, and
+1-415-667-8400 provide a U.S. mailing address.
(outside the U.S.)
• Note: Schwab Bank will initiate an inquiry with a Consumer Reporting Agency (e.g., “credit check”) in order to evaluate
1-888-686-6916 your High Yield Investor Checking Account application.
(multilingual services)
As You’re Filling Out This Form, Please Remember To:
• Choose your Schwab One brokerage account features in Section 4 and your Schwab Bank account features in
Section 6.
• After you have read and agreed to the terms and conditions, sign and date the form in Section 5 for your Schwab
One brokerage account and Section 7 for your High Yield Investor Checking account using blue or black ink.
• Enclose a check, money order or Transfer Your Account to Schwab form or, if applicable, choose another funding
option for both accounts. Please note, if you are providing a check as your initial deposit, the check will be credited
to your High Yield Investor Checking account unless you specify otherwise.
1 Choose Your Account Ownership (For Both Accounts)
Please select only one box. ■ Individual
Your choice will apply to Joint Tenants With Right of Survivorship (JTWROS)
both accounts. Your share of the account will pass to a surviving owner(s) in the event of your death.
Tenants in Common
Your share of the account will pass to your estate in the event of your death. Note: If you would like to open a Trust as
Tenants in Common, do not use this application. Please contact Charles Schwab for the appropriate form.
Community Property (This type of ownership may not be available in your state.)
Each spouse has a one-half interest in the account assets and equal responsibility for account activity.
For married couples in selected states.
2 Tell Us About Yourself (For Both Accounts)
If there are multiple account We respect your privacy. Charles Schwab & Co., Inc. (“Schwab”) will use the information you provide to open and service
holders, please complete an your accounts, communicate with you, and provide information about products and services.
additional copy of this form.
Account Holder 1
As required by federal law, Juan M Cruz Pena

Schwab and Schwab Bank will
Name Title, First Middle Name Last Name, Suffix
use the information provided
to verify the identity of all 974956082 11/25/1985
account holders. Read about
Social Security Number Date of Birth mm/dd/yyyy Are you known by another name? Please specify.
Schwab's privacy policy at
schwab.com/privacy.
Brokerage Products: Not FDIC-Insured • No Bank Guarantee • May Lose Value
Charles Schwab & Co., Inc. (“Schwab”) and Charles Schwab Bank, SSB (“Schwab Bank”) are separate but affiliated companies and subsidiaries of The Charles Schwab
Corporation. Brokerage products are offered by Charles Schwab & Co., Inc., Member SIPC. Deposit and lending products and services are offered by Charles
Schwab Bank, SSB, Member FDIC and an Equal Housing Lender.
©2021 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
©2021 Charles Schwab Bank, SSB. All rights reserved. Member FDIC. Equal Housing Lender. (0121-0WFK) APP38165-29 (02/21)
Open a Schwab One® Brokerage Account and a Linked Schwab Bank High Yield Investor Checking® Account Page 2 of 14
Regulations require that 2222 47th ave, apt c Oakland CA 94601

you provide us with your
Home/Legal Street Address No P.O. Boxes City State Zip Code
legal address.
Include mailing address if 2222 47th ave, apt c Oakland CA 94601
different from your
Mailing Address P.O. Boxes may be used City State Zip Code
home/legal address.
5107065483
Home Phone Mobile Phone Work Phone Extension
Please provide your email address if you would like to access your accounts online. By providing your email address, you
consent to receiving email from Schwab and Schwab Bank.
[email protected]
Email Address Mother's Maiden Name
Country(ies) of Citizenship Please list all.
USA ■ Other(s) El Salvador

Country of Citizenship 1 Country of Citizenship 2, if applicable
Country of Legal Residence Please select only one box.

■ USA Other
Other Country of Legal Residence
ID Type and Number Please select only one box and provide the relevant information below.
■ Driver's License Passport U.S. Government-Issued ID
Y5487274 California 11/25/2022

ID Number Country/State of ID Issuance ID Expiration Date mm/dd/yyyy
Marital Status
Schwab Bank does not consider marital status when processing Investor Checking account applications.
■ Single Married Divorced Widowed Number of Dependents
Securities industry regulations require that we collect this information.
Employment Information
Please select only one box. Employed ■ Self-Employed Retired Homemaker Student Not Employed
Employer Name/Business Name
Occupation
If you selected “Employed” or Business Owner/Self-Employed Executive/Senior Management

“Self-Employed,” please
select one option that best Medical Professional Legal Professional
describes your occupation.
Accounting Professional Financial Services/Banking Professional
Information Technology Professional Other Professional
U.S. Government Employee (Federal/State/Local) Foreign Government Employee (Non-U.S.)
Military Educator
Clerical/Administrative Services Trade/Service Career (Labor/Manufacturing/Production)
Sales/Marketing Consultant
■ Other Please Specify: construction worker
n/a
Business Street Address No P.O. Boxes City State Zip Code
The next two questions are required.
You must answer this Are you affiliated with or employed by a stock exchange or member firm of an exchange or FINRA, or a municipal
question, as Schwab is securities broker-dealer?
required by industry
regulations to determine if you ■ No Yes
or someone in your household
is associated with a financial If yes, you must attach a letter from your employer or affiliated broker-dealer approving the
services company such as a establishment of your account when submitting this Application. List the company name.
broker-dealer.
Company Name
You must answer Are you a director, 10% shareholder or policy-making officer of a publicly held company?
this question.
■ No Yes (If "yes," enter company name and trading symbol.)
Company Name Trading Symbol
Financial Information
Investment Experience
Please select only one box None Limited ■ Good Extensive
in each section.
Annual Income
Under $15,000 $15,000-$24,999 ■ $25,000-$49,999 $50,000-$99,999 $100,000 or more
Liquid Net Worth
Your liquid net worth is the part of your net worth that can be easily turned into cash. Liquid net worth includes investments like stocks and mutual
funds, but not assets like real estate.
■ Under $25,000 $25,000-$49,999 $50,000-$99,999 $100,000-$249,999 $250,000 or more
$
Specify dollar amount if $250,000 or more
Trusted Contact Designation
A Trusted Contact Person (“Trusted Contact”)* is a resource Schwab, and your advisor (if you have one), may contact on
your behalf, if necessary, to attempt to address concerns regarding potential financial exploitation, or in communicating
with you regarding issues related to your account(s). A Trusted Contact will not be able to view your account information,
execute transactions in your account(s), or inquire about account activity, unless that person has that authority through
another role on the account(s), such as a trustee or power of attorney. Providing Schwab with Trusted Contact
information is voluntary. We encourage you to provide two Trusted Contacts in the event that one is not reachable in the
future.
• Schwab suggests that your Trusted Contact(s) be someone other than your financial consultant or investment advisor.
• You may name up to two Trusted Contacts.
• The person(s) you name as Trusted Contact(s) will be the Trusted Contact(s) on all of your Schwab accounts, as
provided for in your account agreement.
• For multiple-party accounts, each party can name separate Trusted Contacts.
• The Trusted Contact(s) must be at least 18 years old.
Trusted Contact Information
Trusted Contact information provided on this form will replace all Trusted Contact information currently on file.
Person 1
If you have no changes to your Rafael A Cruz Pena

existing Trusted Contact,
please skip this section.
Relationship
Please select only one. Spouse Partner Child Parent ■ Sibling Friend Other
Please provide at least one 2222 47th ave, apt c

method of contact for each
Mailing Address No P.O. Boxes City
Trusted Contact listed.
CA U.S 94601
State or Province Country Postal or Zip Code
5106820380 [email protected]
Home Phone Mobile Phone Email Address
Person 2
If you have no changes to your

Relationship
Please select only one. Spouse Partner Child Parent Sibling Friend Other
Please provide at least one

* If you provide a Trusted Contact Person(s) to Schwab, you understand that you have authorized Schwab and your
advisor (if you have one) to contact the Trusted Contact Person(s) at their discretion and to disclose information about
your account to address possible activities that might indicate financial exploitation of you; to confirm the specifics of
your current contact information, health status (including physical or mental capacity), or the identity of any legal
guardian, executor, trustee, or holder of a power of attorney on your account(s); or as otherwise permitted by FINRA
rules or state law. For more information, please see your Schwab Account Agreement, which is available at
schwab.com/accountagreement.
Account Holder 2
As required by federal law,

Schwab and Schwab Bank will
use the information provided
to verify the identity of all
account holders. Read about
Social Security Number Date of Birth mm/dd/yyyy Are you known by another name? Please specify.
Schwab's privacy policy at
schwab.com/privacy.
Regulations require that
you provide us with your
Home/Legal Street Address No P.O. Boxes City State Zip Code
legal address.
Include mailing address if
different from your
Mailing Address P.O. Boxes may be used City State Zip Code
home/legal address.
Home Phone Mobile Phone Work Phone Extension
Please provide your email address if you would like 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(ies) of Citizenship Please list all.
USA Other(s)
Country of Citizenship 1 Country of Citizenship 2, if applicable
Country of Legal Residence Please select only one box.
USA Other
Other Country of Legal Residence
ID Type and Number Please select only one box and provide the relevant information below.
Driver's License Passport U.S. Government-Issued ID
ID Number Country/State of ID Issuance ID Expiration Date mm/dd/yyyy
Marital Status
Schwab Bank does not consider marital status when processing Investor Checking account applications.
Single Married Divorced Widowed Number of Dependents
Employment Information
Please select only one box. Employed Self-Employed Retired Homemaker Student Not Employed
Employer Name/Business Name
Occupation
If you selected “Employed” or Business Owner/Self-Employed Executive/Senior Management

“Self-Employed,” please
select one option that best Medical Professional Legal Professional
describes your occupation.
Accounting Professional Financial Services/Banking Professional
Information Technology Professional Other Professional
U.S. Government Employee (Federal/State/Local) Foreign Government Employee (Non-U.S.)
Military Educator
Clerical/Administrative Services Trade/Service Career (Labor/Manufacturing/Production)
Sales/Marketing Consultant
Other Please Specify:
Business Street Address No P.O. Boxes City State Zip Code
The next two questions are required.
You must answer this Are you affiliated with or employed by a stock exchange or member firm of an exchange or FINRA, or a municipal
question, as Schwab is securities broker-dealer?
required by industry
regulations to determine if you ■ No Yes
or someone in your household
is associated with a financial If yes, you must attach a letter from your employer or affiliated broker-dealer approving the
services company such as a establishment of your account when submitting this Application. List the company name.
broker-dealer.
Company Name
You must answer Are you a director, 10% shareholder or policy-making officer of a publicly held company?
this question.
■ No Yes (If "yes," enter company name and trading symbol.)
Company Name Trading Symbol
Financial Information
Investment Experience
Please select only one box None Limited ■ Good Extensive
in each section.
Annual Income
Under $15,000 $15,000-$24,999 ■ $25,000-$49,999 $50,000-$99,999 $100,000 or more
Liquid Net Worth
Your liquid net worth is the part of your net worth that can be easily turned into cash. Liquid net worth includes investments like stocks and mutual
funds, but not assets like real estate.
■ Under $25,000 $25,000-$49,999 $50,000-$99,999 $100,000-$249,999 $250,000 or more
$
Specify dollar amount if $250,000 or more
Trusted Contact Designation
A Trusted Contact Person (“Trusted Contact”)* is a resource Schwab, and your advisor (if you have one), may contact on
your behalf, if necessary, to attempt to address concerns regarding potential financial exploitation, or in communicating
with you regarding issues related to your account(s). A Trusted Contact will not be able to view your account information,
execute transactions in your account(s), or inquire about account activity, unless that person has that authority through
another role on the account(s), such as a trustee or power of attorney. Providing Schwab with Trusted Contact
information is voluntary. We encourage you to provide two Trusted Contacts in the event that one is not reachable in the
future.
• Schwab suggests that your Trusted Contact(s) be someone other than your financial consultant or investment advisor.
• You may name up to two Trusted Contacts.
• The person(s) you name as Trusted Contact(s) will be the Trusted Contact(s) on all of your Schwab accounts, as
provided for in your account agreement.
• For multiple-party accounts, each party can name separate Trusted Contacts.
• The Trusted Contact(s) must be at least 18 years old.
Trusted Contact Information
Trusted Contact information provided on this form will replace all Trusted Contact information currently on file.
Person 1

Relationship

Person 2

Relationship

* If you provide a Trusted Contact Person(s) to Schwab, you understand that you have authorized Schwab and your
advisor (if you have one) to contact the Trusted Contact Person(s) at their discretion and to disclose information about
your account to address possible activities that might indicate financial exploitation of you; to confirm the specifics of
your current contact information, health status (including physical or mental capacity), or the identity of any legal
guardian, executor, trustee, or holder of a power of attorney on your account(s); or as otherwise permitted by FINRA
rules or state law. For more information, please see your Schwab Account Agreement, which is available at
schwab.com/accountagreement.
3 Required Information About the Accounts
Overall Investment Objective(s) of Your Schwab One® Brokerage Account
Please select all boxes Capital Preservation

that apply. You are seeking to minimize the potential of losing your initial investment.
■ Income
You are seeking the continued receipt of current income while recognizing and accepting the risks of
income-generating investments.
■ Growth
You are seeking to increase the value of your investments over time while accepting price fluctuations
and volatility.
■ Speculation
You are willing to assume a higher risk of loss in exchange for potentially higher returns.
Source of Funds
Please select all boxes In this section, we’re collecting information about the categories (“sources”) of assets that will be held in your accounts.
that apply. Please select all of the sources of the assets that will be deposited or held in your accounts, including the original
sources of any assets that will be transferred into the account from another firm.
■ Salary/Wages/Savings Investment Capital Gains
Social Security Benefits Gifts
Sale of Property or Business Gambling/Lottery
Family/Relatives/Inheritance Other Please Specify:
Purpose of Your Schwab Brokerage Account
Please select all boxes ■ General Investing Investing for Estate Planning Investing for Tax Planning
that apply. (e.g., municipal bonds, etc.)
Investing for College Investing for Retirement Investment of Pooled Assets

(e.g., funds from individual investors that are
aggregated for investing purposes)
Purpose of Your Schwab Bank High Yield Investor Checking Account
Please check all that apply. ■ General/Personal Expenses Educational Expenses

■ General/Personal Savings Large Asset Purchase (Home, Car, etc.)
Anticipated Activity for Your Schwab Bank High Yield Investor Checking Account
Please select only one box. On average, how many times per month do you anticipate making deposits, withdrawals, and/or transfers?
■ Less than 15 times per month 15 to 30 times per month
31 to 45 times per month More than 45 times per month
4 Set Up Your Schwab One Brokerage Account
Margin (Optional)
Margin is automatically A margin account allows you to borrow against your eligible securities. You can use a margin loan to purchase additional
added unless you select the securities, to sell securities short, to obtain short-term financing or as a source of overdraft protection. To better
box "No, do not add margin." understand the benefits and risks of margin, please refer to the 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 www.schwab.com/margin_education.
Margin is automatically added unless you select the box below.
No, do not add margin.
Paperless Document Enrollment

Here’s how paperless works: You will receive account statements, trade confirmations, shareholder materials, account
agreements and related disclosures, and other regulatory documents, if available in paperless form, by email. For certain
documents, including account statements, you will receive an email notification with a link to log on to our secure website
to access your documents. For complete information, please see Important Information About Your Informed Consent to
Receive Paperless Documents in the Appendix to this application.
To opt for Paperless Documents, simply provide your email address in the "Tell Us About Yourself" section of this form.
The completion of your enrollment will depend on one of the following scenarios.
Scenario 1:
If you already have an account enrolled in Paperless Documents using the email address provided on this form, have
logged on to Schwab.com in the past six months, and agree to the following, your paperless enrollment will be complete
once your account is opened.
• I have read and understood the Important Information About Your Informed Consent to Receive Paperless Documents
in the Appendix to this application and consent to enrolling this account in Paperless Documents.
• I understand that I will receive an email with my new account agreement and related disclosures.
Or
Scenario 2:
If you do not have an existing account enrolled in Paperless Documents, are using a different email address, or have not
logged on to Schwab.com in the past six months, we will send you an email after the account is opened. To complete
enrollment, you will need to click the “I Consent” button in that email and/or follow the instructions to access
Schwab.com. If you do not click the “I Consent” button, this account will not be enrolled in Paperless Documents and we
will send your account agreement and related disclosures, as well as future regulatory documents, by postal mail.
If you do not want to participate in Paperless Documents, please check the box below.
No, do not enroll my account in Paperless Documents. Please send my regulatory documents via postal mail.
Select How You Will Fund Your Schwab One Brokerage Account (Optional)
To obtain the forms referenced below, please call us at 1-800-435-4000 or visit www.schwab.com/forms.
Please include your check, Check or money order enclosed for $

money order or Transfer Your
Account to Schwab form. Please make it payable to yourself and write "Schwab One" in the memo field.
Transfer funds from another Schwab account.

Funding your Schwab One
Please complete the Letter of Authorization (LOA) for Movement of Funds in Schwab Accounts.
brokerage account is not
required to open your ■ Transfer funds from another financial institution.
accounts. Please complete the Transfer Your Account to Schwab form or go to www.schwab.com/transfer after your account
has been opened.
Transfer funds electronically using Schwab MoneyLink®.

Please complete the Schwab MoneyLink Electronic Funds Transfer Form. (You can use Schwab MoneyLink to set up
a periodic transfer of funds into your account.)
Direct deposit.
With this service, you can have part of your paycheck, government payment or other recurring payment deposited
directly into your Schwab One brokerage account. After receiving your account number, please go to
www.schwab.com/directdeposit, print a personalized direct deposit form and give it to your employer or other entity.
Deposit funds using the Schwab Mobile application.

Download the Schwab Mobile app and apply for Schwab Mobile Deposit™. (You must be approved for this service.)
Your Consent to Enroll in Schwab’s Cash Features Program

The Cash Features Program is a service that we provide that permits the uninvested cash or “free credit balance” in your
Account to earn income while those funds remain uninvested. Additional information about the Cash Features Program
and each Cash Feature is available in the Cash Features Disclosure Statement.
The Bank Sweep feature is an available Cash Feature for brokerage accounts of account holders residing in the U.S.
Through the Bank Sweep feature, Schwab automatically makes deposits to and withdrawals from deposit accounts at
one or more banks affiliated with Schwab (“Sweep Banks”). Your deposits at each Sweep Bank are insured by the
Federal Deposit Insurance Corporation (FDIC) up to $250,000 (including principal and accrued interest) when aggregated
with all other deposits held by you in the same insurable capacity at that bank. Your funds may be placed in a Sweep
Bank in excess of the FDIC insurance limit. In certain limited circumstances, Schwab may place your funds in a sweep
money market fund. Please see the Cash Features Disclosure Statement for additional information.
By signing this Application, you consent to participate in Schwab’s Cash Features Program, as described in the Cash
Features Disclosure Statement, and you also consent to 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 of the Cash Features
Program; (2) make changes to the terms and conditions of any Cash Feature; (3) change, add, or discontinue any Cash
Feature; (4) change your investment from one Cash Feature to another if you become ineligible for your current Cash
Feature or your current Cash Feature is discontinued; and (5) make any other changes to the Cash Features Program or
Cash Feature as allowed by law. Schwab will notify you in writing of changes to the terms of the Cash Features, changes
to the Cash Features we make available, or changes to the Cash Features Program prior to the effective date of the
proposed changes.
Offer/Referral Code (If Applicable)

This section is optional. Terms and conditions may apply. Any taxes related to an offer are your responsibility. You should consult with your tax or
If you have an offer or referral legal advisor regarding any tax implications and the appropriate tax treatment of an offer. For more information regarding
code, enter it here. an offer, please call 1-866-469-7017.
You may enter up to three

codes. Your code(s) may
Offer/Referral Code 1
be shorter than the
space provided.
5 Schwab One Brokerage Account Disclosure and Account Holder Signature(s)
Schwab One Brokerage Account Terms

Please read and sign below. By signing this Application, I acknowledge that I have received and read a copy of the attached Application Agreement,
which contains a predispute arbitration provision. I acknowledge that my signature signifies and constitutes my agreement
that this account and my relationship with Schwab will be governed by the Application Agreement and all incorporated
agreements and disclosures, including the Schwab One® Account Agreement and the Charles Schwab Pricing Guide, each
as amended from time to time (the “Agreement and Disclosures”). I understand there are fees associated with establishing,
maintaining, engaging in transactions in and transferring assets out of this account. Unless I have declined the margin
feature, I acknowledge that securities securing loans from Schwab may be lent to Schwab and lent by Schwab to others. I
also acknowledge that if I trade "on margin," I am borrowing money from Schwab and that I understand the requirements
and risks associated with margin borrowing as summarized in the "Margin Disclosure Statement" included with this
application.
I also acknowledge that the securities products purchased or sold in a transaction with Schwab (i) are not insured by the
Federal Deposit Insurance Corporation (“FDIC”); (ii) are not deposits or other obligations of Charles Schwab and are not
guaranteed by Schwab Bank; and (iii) are subject to investment risks, including possible loss of the principal invested.
For purposes of this account application and the attached Application Agreement, the terms “I,” “me,” “my” and “Account
Holder” refer to each person who signs this account application and apply with respect to both a person’s individual
capacity as well as any applicable representative or fiduciary capacity. The terms “we,” “us,” “our” and “Schwab” refer to
Charles Schwab & Co., Inc. The term “Schwab Bank” refers to Charles Schwab Bank.
I certify, under penalty of perjury, that (1) the number shown on this Application is the correct Taxpayer
Identification Number; (2) I am not subject to backup withholding due to a failure to report interest and dividend
income; (3) I am a U.S. person (a U.S. citizen or U.S. resident alien); and (4) I am exempt from Foreign Account Tax
Compliance Act (FATCA) reporting. I understand that if I have been notified by the IRS that I am subject to backup
withholding as a result of dividend or interest underreporting and I have not received a notice from the IRS advising
me that backup withholding is terminated, I must cross out item 2 above.
The Agreement with Schwab contains a predispute

The Internal Revenue Service does not require your
arbitration clause. You acknowledge receipt of the
consent to any provision of this document other than
predispute arbitration clause contained in Section 14,
the certifications required to avoid backup withholding.
page 2 of the Application Agreement.
signer1_SignHere signer1_DateSigned
All Schwab One Brokerage Account Holder Signature Today’s Date mm/dd/yyyy
account holders must sign
using blue or black ink. Juan M Cruz Pena
signer1_DocuSignFullName
Print Name
Additional Account Holder Signature Today’s Date mm/dd/yyyy
Print Name
The options below apply only to your Schwab Bank account.
6 Set Up Your Schwab Bank High Yield Investor Checking Account
Schwab Bank Bill Pay™ (Optional)

These features apply only to This online electronic bill payment feature is provided unless you check the box below. The feature is provided at no
your High Yield Investor additional charge and will be activated after you fund your account.
Checking account.
You will be enrolled in Bill Pay No, do not enroll my account in Schwab Bank Bill Pay.
unless you check the box “No,
do not enroll my account in
Schwab Bank Bill Pay.”
Overdraft Protection
This feature automatically transfers funds from your linked Schwab One brokerage account, up to your Authorization
Limit, including Available Margin Loan Value, to your High Yield Investor Checking account in order to provide you with
coverage against insufficient funds. To discontinue 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
daily interest charges, margin calls or potential liquidation of securities. Refer to 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)
A Visa Platinum Debit card will be sent upon account opening. Schwab Bank Bill Pay will be activated after you fund your account
with any amount. Schwab Bank checks will be sent after you fund your account with at least $100.
Important Note: Once your High Yield Investor Checking account is opened and approved, your Visa Platinum Debit Card will
automatically be mailed to you in 3-5 business days. However, checks will be mailed once funds are posted to your High Yield
Investor Checking account. If you need your debit card expedited, please call Schwab Bank at 1-888-403-9000. A $15 fee may
apply to expedited card requests.
Be sure to attach an original, Make a one-time electronic funds transfer (“ACH Transfer”) of $ (up to a
preprinted and voided check maximum of $100,000) from your checking or savings account at another financial institution. The names of the
or a preprinted savings owners of the account at the other financial institution must be the same as those on your High Yield Investor
account deposit slip if you Checking account.
select this option.
Remember that Schwab Bank Make a one-time transfer of $ from your linked Schwab One brokerage
Bill Pay will be activated and account. We recommend selecting this option only if you have chosen to fund your brokerage account via check or
checks will be sent after you money order, due to the additional time required to complete the transfer process.
fund your High Yield Investor
Checking account. A Visa® Deposit funds using the Schwab Mobile application. Download the Schwab Mobile app and apply for Schwab
Platinum Debit Card will be Mobile Deposit™. (You must be approved for this service.)
sent upon account opening. Make a check or money order payable to yourself, write “Schwab Bank” on the memo line, and include it with this
application.
Direct deposit. With this service, you can have part of your paycheck, government payment or other recurring
payment deposited directly into your High Yield Investor Checking account. After receiving your account number,
please go to www.schwab.com/directdeposit, print a personalized direct deposit form and give it to your employer or
other entity.
7 Schwab Bank High Yield Investor Checking Account Terms and Account Holder Signature(s)
Schwab Bank High Yield Investor Checking Account Terms

Please read and sign below These account terms are an agreement between Charles Schwab Bank, SSB ("Schwab Bank") and each account holder for a High
on the following page. Yield Investor Checking account. “I,” “me” and “my” refer to each account holder. All account holders are required to sign. By
signing below, each account holder:
1. certifies that I am of the age of majority in the state in which I live, that I am legally authorized to enter into this agreement,
and that the personal information provided in this Application, and during the Application process, is true and correct;
2. agrees that my High Yield Investor Checking Account will be governed by the terms of and acknowledges that Schwab Bank
will provide me with copies of and advises me to read the following documents before account opening or before a service is
provided: (a) the Schwab Bank Deposit Account Agreement, which contains an arbitration provision and the Terms and
Conditions for the Schwab Bank Bill Pay service; (b) the Bank’s Facts: What Does The Charles Schwab Corporation Do With Your
Personal Information? or any other successor publication; (c) Important Privacy Choice for Consumers, for California residents
only; and (d) the Schwab Bank Deposit Account Pricing Guide;
3. acknowledges that if the Application is approved, each account holder will receive a Visa® Platinum Debit Card and Visa Debit
Card Agreement once the account is opened which contains the terms and conditions that apply to this card;
4. acknowledges that, unless I specifically stated otherwise, I will be enrolled in the Schwab Bank Bill Pay service;
5. agrees to be subject to the terms and conditions of all documents associated with my High Yield Investor Checking account
upon account opening, and acknowledges that Schwab Bank advises me to read all the disclosure documents prior to
opening or using my account;
6. acknowledges that my High Yield Investor Checking account is linked with my brokerage account maintained at Charles
Schwab & Co., Inc., a registered broker-dealer, and authorizes Charles Schwab & Co., Inc. to follow the instructions set forth in
this Application, if applicable;
7. authorizes Schwab Bank to initiate a one-time debit entry (or credit entry in case of error) to the institution and account
specified by my attached voided check or savings account deposit slip, electronically or by other commercially accepted
method, to initially fund my High Yield Investor Checking account; certifies that the information provided on the voided check
or savings account deposit slip is correct and that I am authorized to transfer funds from the specified account; and
understands that the owners listed on the specified account that will be debited must be the same as the owners of my High
Yield Investor Checking account;
8. authorizes Schwab Bank to inquire from any source, including a consumer reporting agency, as to my identity (as required by
federal law), creditworthiness and ongoing eligibility for the account and other information at account opening, at any time
throughout the life of the account, and thereafter for debt collection or investigative purposes; and
9. understands that if no activity occurs in the account within the time period specified by applicable state law, the account may
be transferred to the appropriate state.
Please note: Schwab Bank will We respect your privacy. Schwab Bank will use the personal identification and account information provided in this Application
initiate an inquiry with a and that you previously provided to Schwab to open and service your accounts, communicate with you, and provide information
Consumer Reporting Agency about products and services. Schwab Bank does not consider your marital status when processing your High Yield Investor
(e.g., “credit check”) in order Checking Account Application. For more information on privacy policies, read about our privacy policy in Schwab Bank’s Facts:
to evaluate your High Yield What Does The Charles Schwab Corporation Do With Your Personal Information? booklet. As required by federal law, we will use the
Investor Checking Account information you provide to Schwab to verify your identity.
Application.
I certify under penalty of perjury that:
1. The primary account holder’s number shown on this Application is my correct Taxpayer Identification Number;
2. I am not subject to back-up withholding because: (a) I am exempt from back-up withholding, (b) I have not
been notified by the Internal Revenue Service (IRS) that I am 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 I am no longer subject to back-up
withholding; and
3. I am a U.S. person (a U.S. citizen or U.S. resident alien).
(I understand that if I have been notified by the IRS that I am subject to back-up withholding as a result of dividend
or interest underreporting and I have not received a notice from the IRS advising me that back-up withholding is
terminated, I must strike or cross out the information contained in item 2 above.)
To open a High Yield 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 certification required
to avoid back-up withholding.
signer1_SignHere signer1_DateSigned
All Schwab Bank account Account Holder Signature Today’s Date mm/dd/yyyy
holders must sign and date
using blue or black ink. Juan M Cruz Pena
signer1_DocuSignFullName
Print Name
Additional Account Holder Signature Today’s Date mm/dd/yyyy
Print Name
PRINT
8 Return Instructions
• Upload online with secure messaging (if you are an existing client and have online access to your account).
1. Go to Schwab.com and log in to your account.
2. Click the Message Center link (under Service), and then click the Upload Document link.
3. Upload your form as an attachment by clicking the Add File button.
4. When your message is complete, click Send.
• Fax to 1-888-526-7252.
• Bring to your nearest Schwab branch (visit Schwab.com/branch for locations).
• Mail to any of the following addresses:
Regular Mail (West) Regular Mail (East) Overnight Mail (West) Overnight Mail (East)
Charles Schwab & Co., Inc. Charles Schwab & Co., Inc. Charles Schwab & Co., Inc. Charles Schwab & Co., Inc.
P.O. Box 982600 P.O. Box 628291 1945 Northwestern Dr. 1958 Summit Park Dr., Ste. 200
El Paso, TX 79998-2600 Orlando, FL 32862-8291 El Paso, TX 79912 Orlando, FL 32810
Charles Schwab & Co., Inc. (“Schwab”) and Charles Schwab Bank, SSB (“Schwab Bank”) are separate but affiliated companies and subsidiaries of The Charles Schwab
Corporation. Brokerage products are offered by Charles Schwab & Co., Inc., Member SIPC. Deposit and lending products and services are offered by Charles Schwab
Bank, SSB, Member FDIC and an Equal Housing Lender.
Schwab One Brokerage Account ®
Application Agreement Page 1 of 3
Client Copy
• This agreement relates to your account and is part of the Account Agreement between each account holder and Charles Schwab &
Co., Inc. (“Schwab”).
• Please read and retain for your files.
• You do not need to return this agreement to Charles Schwab.
Section 1: Scope of Agreement. you are not a director, 10% beneficial transactions in your Account. We may elect
shareholder, policy-making officer, or otherwise anytime, with or without notice, to make any
Your agreement with Schwab consists of the an “affiliate” (as defined in Rule 144 under the debit balance or other obligation related to
terms set forth in this Application Agreement Securities Act of 1933) of a publicly traded your Account immediately due and payable. We
and the terms set forth in the Schwab One company; and (f) this Application Agreement, may report any past-due account to a
Account Agreement, which incorporates the as amended from time to time, is a legal, valid consumer and/or securities credit reporting
Charles Schwab Pricing Guide and a number of and binding obligation, enforceable against you agency. We may also refer your Account to a
other important disclosures. The Schwab One in accordance with its terms. collection agency.
Account Agreement is provided with this
Application or at the opening of your Account. Section 4: Account Handling. Section 7: Granting a Lien on Your Accounts.
You agree to contact Schwab if you do not
receive the Schwab One Account Agreement. Schwab will automatically hold all of your As security for the repayment of all present or
securities purchased, sales proceeds, future indebtedness owed to us by each
In addition, you may in the future receive from dividends and interest. Schwab will also
Schwab supplemental terms or disclosures Account Holder, each Account Holder grants to
release your name, address and securities us a first, perfected and prior lien on, a
that pertain to certain account types, service positions to companies in which we hold
features and benefit packages. These continuing security interest in, and right of set-
securities for your Account upon request, off with respect to, all property that is, now or
supplemental terms and disclosures, this unless you notify us otherwise in writing. If you
Application Agreement and the Schwab One in the future, held, carried or maintained for
maintain more than one account at Schwab, any purpose in or through Schwab, and, to the
Account Agreement are collectively referred to you authorize Schwab to transfer assets
as the “Agreement and Disclosures.” You agree extent of such Account Holder’s interest in or
between your accounts when no written through, any present or future account with us
to read the Agreement and Disclosures authorization is requested.
carefully and retain copies for your records. or our affiliates in which the Account Holder
Section 5: Responsibility for Investment has an interest. In the event of a breach or
Section 2: Acceptance of Agreements and Decisions. default by you under this Agreement, Schwab
Disclosures. will have the rights and remedies available to a
You agree that you and any agent under a secured creditor under all applicable laws in
You agree that the Agreement and Disclosures power of attorney or Investment Advisor (if you addition to the rights and remedies provided in
govern all aspects of your relationship with have one) are solely responsible for investment this Agreement.
Schwab, including all transactions between decisions in your Account, including whether to If you owe money to Schwab as the result of
Schwab and you and all products and services buy or sell a particular security. Unless activity in your Account and there are assets
now or in the future offered through Schwab. required by law, or unless Schwab provides available in any non-retirement brokerage
Schwab may rely on your use of Schwab’s advice to you that is clearly identified as an account that you hold at Schwab which could
products and services as evidence of your individualized recommendation for you, you fully or partially satisfy the debt, you agree that,
continued acceptance of the Agreement and understand that Schwab has no obligation to upon Schwab’s written demand, you will
Disclosures. determine whether a particular transaction, execute all documents necessary to effect a
strategy, or purchase or sale of a security is transfer from your non-retirement brokerage
Section 3: Your Representations and suitable for you. Your obligation includes an account and agree to pay or cause such funds
Warranties. affirmative duty to monitor and stay informed to be paid immediately to Schwab in order to
about your Account and your investments and satisfy your indebtedness to Schwab.
You represent and warrant that: (a) you are of respond to changes as you deem appropriate.
legal age in the state in which you live and you
are authorized to enter into this Agreement; (b) Unless Schwab otherwise agrees with you in Section 8: Liquidations.
you have supplied accurate information in your writing, Schwab does not have any
discretionary authority or obligation to review Whenever it is necessary for our protection or
Account Application; (c) no one except the to satisfy a margin deficiency, debit or other
Account Holders listed on the Account or make recommendations for the investment
of securities or cash in your Account. obligation owed us, we may (but are not
Application (and if community property is held, required to) sell, assign and deliver all or any
the Account Holders’ spouses) has an interest You acknowledge that Schwab does not part of the property securing your obligations,
in the Account; (d) no additional authorizations provide tax or legal advice. or close any or all transactions in your Account.
from third parties are required for you to open We may choose which property to buy or sell,
the Account and effect transactions therein; (e) Section 6: Payment of Indebtedness.
which transactions to close and the sequence
except as you have otherwise indicated on your You agree to make payment of any and timing of liquidation. We may take such
Account Application or in writing to us, (i) you indebtedness related to your Account, actions on whatever exchange or market and in
are not an employee of or affiliated with any including, but not limited to, any such whatever manner (including public auction or
securities exchange or member firm of any indebtedness that results from instructions private sale) that we choose in the exercise of
exchange, the Financial Industry Regulatory provided to Schwab by you, your agent or any our business judgment. You agree not to hold
Authority (FINRA) or any securities firm, bank, attorney-in-fact under a power of attorney or us liable for the choice of which property to buy
trust company, or insurance company; and (ii) Investment Advisor authorized to make or sell or of which transactions to close or for
Schwab One® Brokerage Account Application Agreement - Client Copy Page 2 of 3
timing or manner of liquidation or any tax Schwab is not required to compensate you for or are affiliated with the securities industry.
consequences from such actions. any differential tax treatment between 6. The rules of some arbitration forums may
In certain circumstances we may, at our sole dividends and payments in lieu of dividends. impose time limits for bringing a claim in
discretion, liquidate your entire margin loan Schwab may allocate payments in lieu of arbitration. In some cases, a claim that is
balance to satisfy a margin call. You agree not dividends by any mechanism permitted by law, ineligible for arbitration may be brought in
to hold us liable for taking such action. including by using a lottery allocation system. court.
We may transfer property from any non- Section 12: Using the Check & Visa® Platinum 7. The rules of the arbitration forum in which
retirement brokerage account in which you Debit Card Features. the claim is filed, and any amendments
have an interest to any other brokerage thereto, shall be incorporated into this
account in which you have an interest, If you have requested check or Visa Platinum Agreement.
regardless of whether there are other account Debit Card features through your Account, you No person shall bring a putative or certified
holders on either account, if we determine that authorize checks and Visa Platinum Debit class action to arbitration, nor seek to enforce
your obligations are not adequately secured or Cards to be issued as indicated in your Account any predispute arbitration agreement against
to satisfy a margin deficiency or other Application. You agree that each Account any person who has initiated in court a
obligation. You agree to pay on demand any Holder is authorized to write checks and putative class action; or who is a member of a
account deficiencies after liquidation, whether engage in Visa Platinum Debit Card putative class who has not opted out of the
liquidation is complete or partial. transactions, and you understand that if the class with respect to any claims encompassed
All of the above may be done without demand checking feature is terminated, your Visa by the putative class action until:
for margin or notice of purchase, sale, transfer Platinum Debit Card will be automatically
1. the class certification is denied;
or cancellation to you. No demand for margin cancelled.
or notice shall impose on Schwab any 2. the class is decertified; or
obligation to make such demand or provide Section 13: Verification. 3. the customer is excluded from the class by
such notice to you in the future. Any such the court.
You authorize Schwab to inquire from any
notice or demand is hereby expressly waived, source, including a consumer reporting agency, Such forbearance to enforce an agreement to
and no specific demand or notice shall as to your identity (as required by federal law), arbitrate shall not constitute a waiver of any
invalidate this waiver. creditworthiness and ongoing eligibility for the rights under this Agreement except to the
Account of the Account Holders, any other extent stated herein.
Section 9: Interest on Debit Balances.
person referred to on this Application, or any
person who Schwab is later notified is Section 15: Arbitration Agreement.
We will charge and compound interest on your
debit balances (whether in a Margin or Cash associated with or has an interest in the
Any controversy or claim arising out of or
Account) according to our Disclosure of Credit Account (as well as such persons’ spouses if
relating to (i) this Agreement, any other
Terms and Policies. they live in a community-property jurisdiction)
agreement with Schwab, an instruction or
at account opening, at any time throughout the
authorization provided to Schwab or the
Section 10: Borrowing Money and Margin life of the Account, and thereafter for debt
breach of any such agreements, instructions,
Trading. collection or investigative purposes.
or authorizations; (ii) the Account, any other
All margin transactions are subject to our Schwab account or Services; (iii) transactions
Section 14: Required Arbitration Disclosures.
Disclosure of Credit Terms and Policies and our in the Account or any other Schwab account;
“Margin Disclosure Statement.” You agree not Regulatory authorities require that any (iv) or in any way arising from the relationship
to enter an order for a margin transaction until brokerage agreement containing a predispute with Schwab, its parent, subsidiaries,
you have read and understood the Disclosure arbitration agreement must disclose that this affiliates, officers, directors, employees,
of Credit Terms and Policies and the “Margin agreement contains a predispute arbitration agents or service providers (“Related Third
Disclosure Statement.” clause. This Agreement contains a predispute Parties”), including any controversy over the
arbitration clause. By signing an arbitration arbitrability of a dispute, will be settled by
Section 11: Loan Consent. agreement, the parties agree as follows: arbitration.
1. All parties to this Agreement are giving up This arbitration agreement will be binding
You agree that property held in your Margin upon and inure to the benefit of the parties
the right to sue each other in court,
Account, now or in the future, may be borrowed hereto and their respective representatives,
including the right to a trial by jury, except
(either separately or together with the property attorneys-in-fact, heirs, successors, assigns
as provided by the rules of the arbitration
of others) by us (acting as principal) or by and any other persons having or claiming to
forum in which a claim is filed.
others. You agree that Schwab may receive and have a legal or beneficial interest in the
retain certain benefits (including, but not 2. Arbitration awards are generally final and
Account, including court-appointed trustees
limited to, interest on collateral posted for such binding; a party’s ability to have a court
and receivers. This arbitration agreement will
loans) to which you will not be entitled. You reverse or modify an arbitration award is
also inure to the benefit of third-party service
acknowledge that, in certain circumstances, very limited.
providers that assist Schwab in providing
such borrowings could limit your ability to 3. The ability of the parties to obtain Services (“Third-Party Service Providers”) and
exercise voting rights or receive dividends, in documents, witness statements and other such Third-Party Service Providers are
whole or in part, with respect to the property discovery is generally more limited in deemed to be third-party beneficiaries of this
lent. You understand that for property that is arbitration than in court proceedings. arbitration agreement.
lent by Schwab, the dividends paid on such 4. The arbitrators do not have to explain the
property will go to the borrower. No The parties agree that this arbitration
reason(s) for their award unless, in an agreement will apply even if the application to
compensation or other reimbursements will be eligible case, a joint request for an
due to you in connection with such borrowings. open the Account is denied and will survive
explained decision has been submitted by the closure of your Account and/or the
However, if you are allocated a substitute all parties to the panel at least 20 days prior
payment in lieu of dividends, you understand termination of services rendered under this
to the first scheduled hearing date. Agreement.
that such a payment may not be entitled to the
same tax treatment as may have been applied 5. The panel of arbitrators will typically Such arbitration will be conducted by, and
to the receipt of a dividend. You agree that include a minority of arbitrators who were according to the securities arbitration rules
Schwab One® Brokerage Account Application Agreement - Client Copy Page 3 of 3
and regulations then in effect of, the Financial formal designation of the place at which the explanatory SIPC brochure, please contact
Industry Regulatory Authority (FINRA) or any arbitration is to be held. SIPC at www.sipc.org or 1-202-371-8300.
national securities exchange that provides a 2. Entering into this Agreement constitutes
forum for the arbitration of disputes, provided consent to submit to the personal Section 20: Impartial Lottery for Securities
that Schwab is a member of such national jurisdiction of the courts of the state of Subject to Partial Call or Partial Redemption.
securities exchange at the time the arbitration California, U.S.A., to interpret or enforce
is initiated. Any party may initiate arbitration If Schwab holds securities for you in street
any or all of these arbitration provisions. name, in Schwab’s name, or in bearer form that
by filing a written claim with FINRA or such Judgment on any arbitration award may be
eligible national securities exchange. If are subject to partial call or partial redemption,
entered in any court having jurisdiction, or then in the case of a partial call or partial
arbitration before FINRA or an eligible national application may be made to such court for
securities exchange is unavailable or redemption Schwab will use an impartial lottery
judicial acceptance of the award and an system to select the securities to be called or
impossible for any reason, then such order of enforcement, as the case may be.
arbitration will be conducted by, and redeemed from among accounts holding those
according to the rules and regulations then in 3. The exclusive language to be used by the securities. For a description of Schwab’s lottery
effect of, the American Arbitration Association parties and the arbitrators in the arbitration system, please visit www.schwab.com/
(AAA). If arbitration before the AAA is proceedings shall be English. Any party PartialCalls. If you would like a printed
unavailable or impossible for any reason, the wishing an interpreter shall make all description of Schwab’s lottery system mailed
parties agree to have a court of competent arrangements directly with the interpreter to you, please contact a Schwab representative
jurisdiction appoint three (3) arbitrators to and shall assume all costs of the service. at 1-800-435-4000.
resolve any and all disputes or controversies 4. If a party is a foreign government or state,
between or among the parties. Each party state-owned or state-operated enterprise
shall bear its own initial arbitration costs, or other instrumentality of a foreign
which are determined by the rules and government or state, such party waives all
regulations of the arbitration forum. In the rights of sovereign immunity and neither
event of financial hardship, the arbitration the Federal Act of State doctrine nor the
forum may waive certain costs in accordance doctrine of sovereign immunity shall apply
with such rules. At the conclusion of the insofar as any enforcement in courts
hearing, the arbitrators will decide how to located in the U.S.A. is concerned.
assess the costs of the arbitration among the
parties. Section 16: Electronic Copies.
Any award the arbitrator makes shall be final The electronically stored copy of your (or your
and binding, and judgment on it may be agent’s) signature, any written instructions or
entered in any court having jurisdiction. This authorizations, the Account Application and the
arbitration agreement shall be enforced and Agreement and Disclosures are considered to
interpreted exclusively in accordance with be the true, complete, valid, authentic and
applicable federal laws of the United States, enforceable record, admissible in judicial,
including the Federal Arbitration Act. Any administrative or arbitration proceedings to the
costs, fees or taxes involved in enforcing the same extent as if the documents and records
award shall be fully assessed against and paid were originally generated and maintained in
by the party resisting enforcement of said printed form. You agree to not contest the
award. admissibility or enforceability of Schwab’s
For FINRA arbitrations, FINRA will appoint a electronically stored copy of such documents in
single public arbitrator in customer cases any proceeding between you and Schwab.
decided by one arbitrator. In customer cases
decided by three arbitrators, investors have Section 17: Float.
the option of choosing an arbitration panel
with two public arbitrators and one non-public You agree that Schwab may retain as
arbitrator (Majority-Public Panel Rule) or a compensation for services your Account’s
panel of all public arbitrators (Optional All- proportionate share of any interest earned on
Public Panel Rule). If the customer declines to aggregate cash balances held in Schwab’s
elect a panel selection method in writing by bank account with respect to (1) assets
the applicable deadline, the Majority-Public awaiting investment or (2) assets pending
Panel Rule for selecting arbitrators will apply. distribution from your Account. Such interest
retained by Schwab shall generally be at
All notices from one party to the other money market rates. Schwab’s receipt of such
involving arbitration shall be considered to compensation is further described in the
have been fully given when so served, mailed Agreements and Disclosures.
by first-class, certified or registered mail, or
otherwise given by other commercially Section 18: Unclaimed Property.
accepted medium of written notification.
In addition to the above provisions, if a party If no activity occurs in the Account within the
to this Agreement is or becomes a non-U.S. time period specified by applicable state law,
resident at the time of any controversy the Account may be transferred to the
subject to this arbitration agreement, such appropriate state.
party acknowledges and agrees to the
following additional provisions: Section 19: Information About SIPC.
1. The rules of the organization administering To obtain information about Securities Investor
the arbitration specifically provide for the Protection Corporation (SIPC), including an
Margin Disclosure Statement
www.schwab.com | 1-800-435-4000 (inside the U.S.) international.schwab.com | +1-415-667-8400 (outside the U.S.)
• This is important information regarding margin borrowing, if you have requested the margin feature on your brokerage account.
• Please retain this document for your files.
• When using margin, please keep these important rules and conditions in mind.
• A complete list of terms and conditions pertaining to margin trading and short selling, including credit terms and policies, can be found in the Account
Agreement. The Account Agreement will be provided to you after account opening or you can access it at any time on our website or by calling us.
Please read this important document before opening a margin account.
• For questions regarding margin borrowing, please contact us at the 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 loan, you should determine how the use of discretion involve higher levels of risk; for example, higher limits may apply
margin fits your own investment philosophy. It is important that you fully for thinly traded, speculative or volatile securities, or concentrated
understand the risks, rules, and requirements involved in trading securities positions of securities.
on margin.
Schwab may increase its "house" maintenance margin requirements at
The following paragraphs highlight some of the critical aspects of margin any time and is not required to provide you with advance written notice.
trading: Changes in Schwab's policy regarding "house" maintenance margin
Margin trading increases your level of market risk. requirements often take effect immediately and can result in the issuance
of a maintenance margin call. Your failure to satisfy the call may cause
Margin trading increases your buying power, allowing you to purchase a
Schwab to liquidate or sell securities in your account.
greater amount of securities with your investing dollar. Therefore, your
exposure to market volatility increases—a declining market could result in Schwab retains absolute discretion to determine whether, when and in
even greater losses. A decline in the value of your securities that you what amounts we will require additional collateral. For example, we can
purchase on margin can require you to provide additional funds to Schwab require additional collateral if an account contains only one security or a
in order to avoid the forced sale of those securities or other securities in large concentration of one or more securities; or low-priced, thinly traded
your account. or volatile securities; or if some of your collateral is or becomes restricted
or non-negotiable or non-marginable. We may also consider market
Your downside is not limited to the collateral value in your margin conditions, your financial resources, or other factors deemed by us to be
account. relevant given the circumstances at the time.
When you buy securities on margin, you are borrowing money from
Schwab for part of your transactions. Securities and other assets in your You are not entitled to an extension of time on a margin call.
Schwab account(s) are pledged as collateral to secure this loan. These While an extension of time to meet margin requirements might be available
margin transactions are riskier and involve the possibility of greater loss to customers under certain conditions, a customer does not have a right to
than transactions where you are not borrowing money. If the securities in the extension.
your account decline in value, so does the value of the collateral Some accounts that carry a margin loan balance and hold dividend paying
supporting your loan. When the value of the collateral falls below the securities may receive a "substitute income payment in lieu of a
maintenance margin requirements, or Schwab's higher "house" dividend" (PIL). This payment may be taxable as ordinary income. Taxable
requirements, Schwab can move to protect its position. In order to cover accounts that receive a PIL instead of a qualified dividend may also receive
margin deficiencies, Schwab may issue you a margin call—a request for a supplemental credit from Schwab. This will be identified on customer
additional cash—or sell securities from your account. If a sale does not statements as a "Schwab substitute income credit." However, when
cover the deficiency, you will be responsible for any shortfall. Schwab can identify that a dividend is nonqualified, we will not credit your
Schwab may initiate the sale of any securities in your account, without account with this additional payment.
contacting you, to meet a margin call. • This credit is NOT "payment in lieu," and is unrelated to any payment from
Schwab will attempt to involve you in the case of margin deficiency; either the security issuer or the borrower.
however, market conditions can require the firm to quickly sell any of your
securities without your consent. Because the securities are collateral for • It is a discretionary credit from Schwab which may be discontinued in the
the margin loan, Schwab has the right to decide which security to sell in future with or without notice.*
order to protect its interests. Even if Schwab has contacted you and • It may be subject to tax at your ordinary income tax rate. Please consult
provided a specific date by which you can meet a margin call, the firm can your tax advisor about your specific tax situation.
still take necessary steps to protect its financial interests, including
immediately selling the securities without prior notice to you. • Because individual tax situations differ, Schwab cannot precisely
calculate the additional tax costs a client might incur. Therefore, we do
Schwab's "house" initial and maintenance margin requirements may not intend, nor should clients expect, for this payment to be an exact
exceed those established by the Federal Reserve Board and/or the reimbursement of any excess tax cost.
Financial Industry Regulatory Authority, Inc. Please call Schwab for current
margin requirements. *Please refer to the "Loan Consent" section of your Account Agreement
which states that no compensation is due in connection with such loans
Schwab retains the right to change its initial margin requirements at any and that Schwab "is not required to compensate you for any differential
time and without prior notice. We may also impose anytime and without tax treatment between dividends and payments in lieu of dividends."
prior notice more stringent requirements on positions that in our sole
Independent investment advisors are not owned by, affiliated with, or supervised by Charles Schwab & Co., Inc. ("Schwab").
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC3883085 (0414-2124) REG95795-01 (02/20)
Regulation E—Electronic Funds
Transfer Disclosure Page 1 of 2
This disclosure applies to your account if you elected to fund your Schwab One® account using Schwab MoneyLink® electronic funds transfer, or if you
elected to fund your Schwab Bank High Yield Investor Checking® account using either a one-time electronic funds transfer from your checking or
savings account at another financial institution or a one-time transfer from your Schwab One brokerage account. A complete Electronic Funds Transfer
Disclosure statement applicable to each account will be provided to you with your account agreements after account opening.
Unless otherwise noted, throughout this disclosure “we,” “us,” and “our” mean both Charles Schwab & Co., Inc. (“Schwab”) and Charles Schwab Bank,
SSB (“Schwab Bank”).
Business Days. request from a government agency or law enforcement authority; (e) to
evaluate your creditworthiness or our ability to collect any debt you owe us;
Schwab’s business days, applicable to your Schwab One brokerage or (f) if you give us your permission.
account, are Monday through Friday, excluding U.S. stock exchange
holidays and U.S. banking holidays. In addition, for your Schwab One brokerage account, Schwab may disclose
such information (a) to mutual funds that are involved with the products or
Schwab Bank’s business days, applicable to your High Yield Investor services we offer or arrange on behalf of customers and (b) pursuant to
Checking account, are Monday through Friday, excluding Federal Reserve Rule 14b-1 under the Securities and Exchange Act of 1934, to companies in
Bank holidays. which you hold securities, unless we receive your written objection.
If a funds transfer is scheduled for a day other than a business day, we
will make it on the following business day. Periodic Statements.
Consumer’s Liability for Unauthorized Transfers. Schwab will send you a monthly account statement for your Schwab One
brokerage account unless there are no transfers in a particular month. In
Tell us at once if you believe an unauthorized person has transferred or any case, you will get the statement at least quarterly.
may transfer money from your account without your permission. You can
notify us by calling or writing Customer Service: Schwab Bank will send you a monthly statement for your Schwab Bank
High Yield Investor Checking account unless there is no account activity
For your Schwab One brokerage account: other than the posting of interest. We will send you a statement at least
Call: 1-800-421-4488 quarterly, even if there is no activity in your account.
Write: Charles Schwab & Co., Inc. All electronic funds transfers posted to your account during the month are
Attn: IS Document Control listed on your statement.
P.O. Box 982600
El Paso, TX 79998 Our Liability for Failure to Make Transfers.
For your Schwab Bank High Yield Investor Checking account: If we do not complete a transfer to or from your account on time or in the
Call: 1-888-403-9000 correct amount according to our agreement with you, we will be liable for
your losses or damages. However, there are some exceptions. We are not
Write: Charles Schwab Bank, SSB
liable, for instance, if:
P.O. Box 982605
El Paso, TX 79998 • Through no fault of ours, you do not have enough money in your account
to make the transfer.
Telephoning immediately is the best way of minimizing your possible
losses. • In the case of your Schwab Bank High Yield Investor Checking account,
the transfer would exceed the funds available under your overdraft
Losses could include the money in your account plus, in the case of your
protection option, if any.
Schwab Bank High Yield Investor Checking account, any advances or
transfers from an overdraft source linked to your account. If unauthorized • Your account is restricted (because of a court order or similar reason), and
activity occurs, you agree to cooperate during the investigation and to we are not permitted to make the transaction.
complete any report or affidavit we may request. • Circumstances beyond our control (such as fire or flood) prevent the
Also, if your statement shows transfers that you didn’t make or authorize, transfer, despite reasonable precautions that we have taken.
tell us at once. If you do not tell us within 60 days after the statement was • Any Automated Clearing House network or other third-party
mailed to you, you may not get back any money you lost after the 60 days communication system from which we require information to complete
if we can prove that we could have stopped someone from taking the transactions was not working properly.
money if you had told us in time. If a good reason kept you from telling us There may be other exceptions permitted by law.
(such as a long trip or hospital stay), we will extend the time periods.
In Case of Errors or Questions About Your Electronic Funds Transfers.
Disclosure of Account Information.
If you think your statement is wrong or if you need more information about a
We may disclose your name and/or information about your account or your transfer listed on the statement, call or write us as soon as you can:
transactions to our agents and affiliates in order to facilitate your transfer
requests. We may also disclose such information to third parties in certain
circumstances, which may include: (a) to banks and other entities that are
involved with the products or services we offer or arrange on behalf of
customers; (b) when it’s requested by a third party to complete a
transaction; (c) to verify the existence or condition of your account for a
credit bureau or merchant; (d) to comply with a subpoena, court order or
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. / Charles Schwab Bank, SSB. Member FDIC. Equal Housing Lender. CC4068872 (0620-0N2E) REG55434-06 (04/20)
Regulation E—Electronic Funds Transfer Disclosure Page 2 of 2
For your Schwab One brokerage account:

Call: 1-800-421-4488
Write: Charles Schwab & Co., Inc.
Attn: IS Document Control
P.O. Box 982600
El Paso, TX 79998
For your Schwab Bank High Yield Investor Checking account:
Call: 1-888-403-9000
Write: Charles Schwab Bank, SSB
P.O. Box 982605
El Paso, TX 79998
Fax: 1-877-524-3067
We must hear from you no later than 60 days after we sent the FIRST
statement on which the problem or error appeared. We need the following
information:
• Your name and account number
• A description of the error or the transfer you are unsure about
• A clear explanation of why you believe it is an error or why you need
more information and
• The dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or
question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after
we hear from you and will correct any error promptly. If we need more
time, however, we may take up to 45 days to investigate your complaint or
question. If we decide to do this, we will credit your account within 10
business days for the amount you think is in error, so that you will have
the use of the money during the time it 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 days, we may not credit your
account.
For errors involving new accounts, point-of-sale or foreign-initiated
transactions, we may take up to 90 days to investigate your complaint or
question. For new accounts, we may take up to 20 business days to credit
your account for the amount you think is in error.
We will tell you the results within three business days after completing our
investigation. If we decide that there was no error, we will send you a
written explanation.
You may ask for copies of the documents that we used in our
investigation.
©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. / Charles Schwab Bank, SSB. Member FDIC. Equal Housing Lender. CC4068872 (0620-0N2E) REG55434-06 (04/20)
Schwab Bank High Yield Investor
Checking Account Terms ®
Client Copy
These terms relate to your account and are part of the Schwab Bank Deposit Account Agreement between each account holder and
Charles Schwab Bank, SSB (“Schwab Bank”). Please read and retain for your files.
These account terms are an agreement between Schwab Bank and each 6. acknowledge that my High Yield Investor Checking account is linked with my
account holder for a High Yield Investor Checking account. “I,” “me” and “my” brokerage account maintained at Charles Schwab & Co., Inc., a registered
refer to each account holder. I: broker-dealer, and I authorize Charles Schwab & Co., Inc. to follow the
1. certify that I am of the age of majority in the state in which I live, that I instructions set forth in this Application, if applicable;
am legally authorized to enter into this agreement, and that the personal 7. authorize Schwab Bank to initiate a one-time debit entry (or credit entry in
information provided in this Application, and during the Application process, case of error) to the institution and account specified by my attached voided
is true and correct; check or savings account deposit slip, electronically or by other commercially
2. acknowledge that Schwab Bank will provide me with the following accepted method, to initially fund my High Yield Investor Checking account; I
documents before account opening or before a service is provided: (a) the certify that the information provided on the voided check or savings account
Schwab Bank Deposit Account Agreement, which contains an arbitration deposit slip is correct and that I am authorized to transfer funds from the
provision and the Terms and Conditions for the Schwab Bank Bill Pay™ specified account; I also understand that the owners listed on the specified
service; (b) Schwab Bank’s Facts: What Does The Charles Schwab Corporation account that will be debited must match the owners of my High Yield Investor
Do With Your Personal Information?; (c) Important Privacy Choice for Checking account;
Consumers, for California residents only; and (d) the Schwab Bank Deposit 8. authorize Schwab Bank to inquire from any source, including a consumer
Account Pricing Guide; reporting agency, as to my identity (as required by federal law),
3. acknowledge that if the Application is approved, each account holder will creditworthiness and ongoing eligibility for the account and other information
at account opening, at any time throughout the life of the account, and
receive a Visa® Platinum Debit Card and the Visa Debit Card Agreement once
thereafter for debt collection or investigative purposes; and
the account is opened which contains the terms and conditions that apply to
this card; 9. understand that if no activity occurs in the account within the time period
specified by applicable state law, the account may be transferred to the
4. acknowledge that, unless I specifically stated otherwise, I will be enrolled in appropriate state.
the Schwab Bank Bill Pay service;
5. agree to be subject to the terms and conditions of all documents associated
with my High Yield Investor Checking account upon account opening, and
acknowledge that Schwab Bank advises me to read all the disclosure
documents prior to opening or using my account;
This page is intentionally blank.
Cash Features Program
General Terms and Conditions Page 1 of 2
The automatic investment of your free credit balance, including the frequency and the amount of each sweep, is
governed by the terms and conditions set forth in the Cash Features Disclosure Statement and in the Account
Agreement applicable to your account. The material in this document is intended for informational purposes only. If
there is any conflict between the descriptions in this document and the terms of the Cash Features Disclosure
Statement, the Cash Features Disclosure Statement will control.
How the Cash Schwab's Cash Features Program is the service (described in the Cash Features Disclosure
Features Program Statement) that we provide to automatically invest, or "sweep," the free credit balance in your
Works account into a liquid investment to earn interest. The program permits you to earn income while
you decide how those funds should be invested longer term.
Available Cash The available cash features currently consist of:

Feature • The free credit balance in your eligible account (the "Schwab One® Interest feature"), on which
Schwab pays interest;
• Interest-bearing deposit accounts at one or more of our affiliated banks (the "Bank Sweep
feature" for most accounts and the "Bank Sweep for Benefit Plans feature" for retirement plan
accounts); and
• For some accounts, one or more affiliated money market mutual funds (the "Money Fund
Sweep feature").
Eligibility Eligibility for each cash feature is based on the registered ownership and the type of account.
Not all account registrations and account types will be eligible for all cash features. Some
account registrations and account types will be eligible for only one cash feature. Please see
your Account Application and the Cash Features Disclosure Statement for more complete
eligibility details.
Duty to Monitor It is your responsibility to monitor your eligibility for the cash features and determine the best
Eligibility for Cash cash feature available to you. Schwab is not responsible for contacting you if you are, or later
Features become, eligible for other higher-yielding cash features.
Interest Rates and The interest rates and yields for the different cash features vary over time. There is no guarantee
that the interest rate and yield on any particular cash feature will be or will remain higher than
Yields the interest rate and yield on any other cash features over any period. Current interest rates and
yields can be obtained by contacting your independent investment advisor or your Financial
Consultant, or by calling us at 1-800-435-4000. If you already have an account, you can visit our
website at www.schwab.com/sweep. If your account is an Advisor Services account, please
contact your advisor, visit www.schwab.com/SA_sweep, or call Schwab Alliance at
1-800-515-2157.
• The interest rate on the Schwab One Interest feature is set by Schwab. We 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 reasonable rate consistent with applicable legal and
regulatory requirements. With certain exceptions, the rate will be tiered based upon your
account type and the combined amount of your account's Bank Sweep deposits at our
affiliated bank(s).
CC3971500 (0118-7F68)　REG91285-03 (03/20)
Cash Features Program General Terms and Conditions Page 2 of 2
Interest Rates and • The interest rate on the Bank Sweep for Benefit Plans feature is set by our affiliated bank(s),
Yields which intend to pay interest consistent with reasonable rate provisions of applicable legal and
regulatory requirements. This can be lower than some competitors' rates. Interest rates do not
(Continued) 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 The different cash features are subject to different risks and account protection:
Account Protection • The Schwab One® Interest feature is not subject to market risk and value loss but is subject to
the risk of Schwab's failure. In the unlikely event that Schwab fails, cash is eligible for SIPC
coverage up to a limit of $250,000 (including principal and interest) per client in each insurable
capacity (e.g., individual or joint). Free credit balances held at Schwab are not insured or
guaranteed by the FDIC.
• The Bank Sweep and Bank Sweep for Benefit Plans features are not subject to market risk and
value loss but are subject to the risk of the failure of one or more of our affiliated banks. In the
unlikely event that one or more of our affiliated banks fails, deposits at each bank are eligible
for FDIC insurance protection up to a limit of $250,000 (including principal and interest) per
depositor in each insurable capacity (e.g., individual, joint, and plan participant). This limit
includes any other deposits you may have at that bank outside of the Bank Sweep and Bank
Sweep for Benefit Plans features. You are responsible for monitoring your bank balances in
the Bank Sweep and Bank Sweep for Benefit Plans features and the balances in any of your
other bank accounts at each affiliated bank to determine if these, in total, exceed FDIC
insurance limits. Monies held in both features are not covered by SIPC.
• Money market mutual funds in the Money Fund Sweep feature invest in high-quality, short-
term securities and seek to maintain a stable value, but are subject to market risks and
potential value loss. They are not bank accounts and are not subject to FDIC insurance
protection. They are instead covered by SIPC, which protects against the custodial risk (and
not a decline in market value) when a brokerage firm fails by replacing missing securities and
cash up to a limit of $500,000, of which $250,000 may be cash. Shares held through the Money
Fund Sweep feature are not considered cash, but are treated as securities for SIPC coverage.
CC3971500 (0118-7F68)　REG91285-03 (03/20)
Important Information About Your Informed
Consent to Receive Paperless Documents Page 1 of 2
The Purpose and Effect of Your Consent Our Contact Information to Request Paper or Ask Questions
This disclosure and informed consent applies to all communications for To access the document and print a copy, log in to your Schwab or Schwab
those accounts, products and services offered in person or available via Bank account, select the "Accounts" tab, then select "Statements." To
schwab.com, schwaballiance.com, or via a Schwab mobile website or request paper, ask questions about, or report problems concerning
mobile application used to access those accounts, products or services, to Paperless Documents, you may contact us as follows:
the extent they are not otherwise governed by the terms of a separate To contact us by email, log in to schwab.com, click "Contact Us," and then
disclosure and informed consent. click "Send a Secure Message." Advisor Services clients, please log in to
We are required to provide to you "in writing" certain records and schwaballiance.com. To contact us by phone:
disclosures about our relationship and transactions in your account. You • Investor Services clients: 1-800-435-4000.
are entitled to receive those documents on paper. With your affirmative
consent, we can provide the documents to you electronically instead via • Schwab Bank High Yield Investor Checking® (or other Schwab Bank)
the Schwab Paperless Documents program ("Paperless Documents"). The clients: 1-888-403-9000.
information below will help you understand the conditions and • Clients in the U.K.: 00 800 0826-5001.
requirements relating to Paperless Documents. You can always find the
most up-to-date version of this important information at • Clients in other countries: +1-415-667-8400.
schwab.com/paperless_consent. • Advisor Services clients: Contact your independent advisor or call
Paperless Documents categories include: tax forms, trade confirmations, 1-800-515-2157.
shareholder materials, statements and account documents (e.g., account • Schwab Intelligent Portfolios Solutions™ clients: 1-855-694-5208.
statements and other account-related documents associated with the
account, including account agreement amendments and program • Institutional Intelligent Portfolios® clients: 1-877-805-3399.
disclosures, fund prospectuses, and investment advisory service To Withdraw Your Consent
disclosures). Each of these document categories is described in detail
below. If you are opening an account, the account agreements and account When you change your preference back to postal mail delivery, this
and program disclosures delivered to you as part of the account opening cancels your enrollment in Paperless Documents and withdraws your
process are also included in Paperless Documents. Electronic documents consent for the document categories you indicate. You can do this by
specific to your transactions and account will be available online for up to logging in to schwab.com/paperless_services, or by calling or emailing
10 years from the date of initial delivery. Your consent to receive Schwab or Schwab Bank using the contact information above. Allow 48
documents electronically is not limited in duration and does not expire. hours for processing. Your consent will remain effective for other document
categories for which you maintain a paperless delivery preference.
Depending on where you reside, the initial scope of your Paperless
Documents enrollment, and whether you have made modifications to your Important note for Schwab Advisor Services clients: Canceling or modifying
enrollment, not all document categories may apply to you. Certain your enrollment may make your account(s) ineligible for lower commission
documents that are not currently included in Paperless Documents may rates, and the commissions you pay can increase.
continue to be delivered to you via postal mail. In the future, some or all of Important note for Schwab Intelligent Portfolios Solution and Institutional
these documents may be added to Paperless Documents and made Intelligent Portfolios clients: Intelligent Portfolios is an all-electronic
available to you electronically in accordance with your informed consent to service. If in the future you request paper documents, withdraw your
this disclosure. If you are uncertain which documents are covered by your consent, or are unable to receive Paperless Documents, Schwab may
Paperless Documents enrollment, please check online at terminate your account.
schwab.com/paperless_services or call or email Schwab or Schwab Bank
Electronic Notification When a Paperless Document Is Ready
using the contact information below.
We send you an email to let you know a document is available. For some
For additional information about Schwab Bank account statements, see
documents, the email itself will be the paperless document. For other
the "Addendum" on the following page.
documents, the email will contain a link that will allow you to access or
You indicate your consent to Paperless Documents by providing an email download the document, and your login may be required prior to such
address and signing an account agreement, or by clicking or touching an "I access.
consent" or other button indicating assent to or acceptance of the
Keeping Your Email Address Current and Actions Schwab or Schwab
conditions and requirements relating to Paperless Documents, and we
Bank Will Take If There Is a Problem
record your consent. The method of consent may depend on whether you
are opening an account or separately enrolling in Paperless Documents for Please note that after three consecutive months of unsuccessful electronic
an existing account. If you do not provide consent, Schwab or Schwab delivery attempts of your tax forms, trade confirmations, or statements and
Bank will send you paper copies. Your consent will be effective until you account documents, your account(s) will revert back to postal mail delivery.
cancel your enrollment in Paperless Documents or Schwab or Schwab This will cancel your enrollment in Paperless Documents and withdraw
Bank notifies you that the program is discontinued. If you are a joint your consent to receive Paperless Documents.
account holder, your consent binds the other account holder. It is your responsibility to notify Schwab or Schwab Bank of any change in
By providing consent, you confirm that you have the ability to access your email address by logging in to the Schwab site and going to Service >
Schwab on the web, and the ability to open, view, save, retain, and print My Profile > Email Addresses or using the contact information above. In
PDF documents as described below. These abilities demonstrate that you addition to the unenrollment process outlined above, if we receive any
can receive the documents we will deliver to you. You also confirm that you indication either that the email notification did not reach you successfully
have provided a valid email address as part of the account opening or or that there is a problem with your email address or service, we will take
Paperless Documents enrollment process. the following actions:
We may, if necessary and at our discretion, end your participation in • Tax Forms—Send a letter by postal mail within two business days to
Paperless Documents, or change the terms and conditions relating to inform you that we were unable to deliver your tax form electronically. In
Paperless Documents and electronic communications. It is your certain circumstances, as may be required by law or regulation or for
responsibility to review any updates in a timely manner. We will provide other reasons, we may send you the tax form itself by postal mail within
you with notice of any discontinuation or update as required by law. the time period prescribed by the relevant legal or regulatory
requirements.
• Trade Confirmation—Send a paper copy of trade confirmation by postal
mail within 24 hours. Also send a letter by postal mail to inform you that
we were unable to deliver your Trade Confirmation to you electronically.

CC4218920 (0620-093W)　REG86030-07 (06/20)
Informed Consent to Receive Paperless Documents Page 2 of 2
• Statements and Account Documents—Send a letter by postal mail conducted, other activity in your account, and terms and conditions
informing you that we were unable to deliver your statement or account governing your account. Account statements are sent at the end of each
document electronically. month in which you conducted activity in your account or at the end of
• Shareholder Materials—Send a paper copy of the shareholder materials each calendar quarter, regardless of any account activity. With your
via postal mail within 24 hours. We will send you a letter informing you account statements, we often include accompanying account-related
that we were unable to deliver your shareholder materials electronically. notices and other regulatory information, including, but not limited to,
The account will be unenrolled from Paperless Documents, and we will Schwab's Statement of Financial Condition, pricing changes, changes to
begin to send you paper shareholder materials. payment features, privacy policy, annual notices, amendments to your
account agreements, and any other documents, notices, and disclosures
Hardware and Software Requirements required by law or regulatory rules to be provided to you. At account
Paperless Documents requires you to have access to a device (computer opening and from time to time thereafter, we also send you notifications
or smartphone) with Internet service and an active email account and about your account. Collectively, we call these documents, notices, and
address, along with the following: disclosures "account documents." When you consent to paperless account
statements, you also consent to paperless account documents.
• A current version of a common Internet browser, with JavaScript
enabled. Investment Advisory Service Disclosures
(A Sub-Category of Account Documents)
• A current version of a program, such as Adobe® Reader®,
that Your consent to paperless Statements and Account Documents includes
accurately reads and displays PDF documents. If you do not have Adobe investment advisory program disclosures, brochure supplements with
Acrobat installed on your device, you can download the free software at information about individual Schwab representatives, and related materials
adobe.com. such as periodic updates or annual summaries of any changes to those
• An operating system on your device that supports the above. documents ("Form ADV Disclosures") as Schwab makes these available in
the future. The investment advisory programs may include but are not
• A printer that connects to your device, if you wish to print documents.
limited to Schwab Managed Portfolios™, Schwab Managed Account
• Electronic storage connected to your device, if you wish to retain Services™, the Schwab Advisor Network®, Schwab Intelligent Portfolios
records in electronic form. (If you are using your computer, just save Solutions™, and other similar advisory services, and fee-based Financial
documents to your local hard drive.) Planning Services. In addition to Schwab's and its affiliates' own Form ADV
If you use your smartphone, you must access the full Schwab website to Disclosures, your consent also covers ADV Disclosures from third-party
view and print your documents. If you have questions relating to hardware investment advisors whose services you select through Schwab. Paperless
and software requirements, please call or email Schwab using the contact Form ADV Disclosures may accompany your account statements or be
information on the previous page. sent independently. If the third party does not make its Form ADV
Disclosures available electronically, you will instead receive the standard
Security and Privacy Information printed materials by postal mail.
Unless expressly stated, email notifications for Paperless Documents are Shareholder Materials ("Electronic Delivery")
not encrypted. For security and confidentiality, unencrypted emails will not Shareholder materials include regulatory information such as
include your name, full account number, or any other personal identifier. Be prospectuses; prospectus supplements; quarterly, semi-annual, and
aware, however, that some email addresses may use part of your name or annual reports; and proxy materials. You will receive an email notification
your entire name. If you use a work email address, your employer or other with a web link to shareholder materials if you have a position in an equity
employees may have access to your email. To help you identify your or mutual fund as of the record date for a particular shareholder
account, we may include some portion, but not all, of your account distribution and the materials are made available electronically by the
number. Schwab or Schwab Bank may use a vendor to deliver Paperless issuer or third party. If the issuer or third party does not make shareholder
Documents. materials available electronically, you will instead receive the standard
Whether Schwab, Schwab Bank, or a vendor delivers the documents, printed materials by postal mail. By providing your consent to receive
Schwab's privacy policy applies. electronic delivery of shareholder material, you also consent to electronic
householding. This means that if you and someone else enroll in this
Records and Disclosures Included in Schwab and Schwab Bank's paperless service using the same email address, we may send one email
Paperless Documents Program announcement to this email address if each account holds securities of the
Tax Forms ("eTax Documents") same issuer. This avoids duplicate mailings of shareholder documents. If
A tax document provides important information you need to complete your you no longer want electronic householding of your shareholder materials,
tax returns. Much of the information we provide in tax documents is also you must modify your Paperless Documents enrollment as described
reported to the IRS. This includes any corrected tax documents and above. Your shareholder materials may include electronic proxies. You may
accompanying notices. When a tax document is ready, we will send an elect to vote your proxy online at proxyvote.com by entering the control
email notification with the subject line "IMPORTANT TAX RETURN number included in your email announcement and the last four digits of
DOCUMENT AVAILABLE" and containing a web link to the document your Social Security number or Taxpayer Identification Number as your PIN.
available after you log in. Addendum for Schwab Bank Paperless Statements
Trade Confirmations ("eConfirms") ("eStatements")
A trade confirmation is an official record of your securities transaction. It Schwab Bank Paperless Documents categories include statements and
includes the price, number of shares, and the commission we charge you, account documents and tax forms. The above information regarding the
as well as disclosures required under federal law. If you choose to receive purpose and effect of your consent, including how to request paper
paperless trade confirmations, the terms and conditions of your delivery, how to ask questions, how to withdraw consent for paperless
transaction will appear in the email and on a web page you can link to from delivery, electronic notification of ready statements, keeping a current
the email. Your consent to receive paperless trade confirmations also email address, hardware and software requirements, and security and
includes paperless delivery of prospectuses or other regulatory information privacy information, are all applicable to Schwab Bank accounts. Paperless
we provide to you at the time of your trade. Your consent to receive Documents include account statements and tax forms. In addition, account
paperless trade confirmations also covers paperless delivery of Trade statements for your Investor Checking account(s), Investor Savings
Confirmation Reports (TCRs) if you elect this alternative as part of your account(s), and Pledged Asset Line® account(s) provide important
Managed Account enrollment. information about your accounts, including the account balance; the
Statements and Account Documents ("eStatements") transactions conducted; other activity in your accounts; and other
An account statement provides important information about your account, information, terms, and conditions governing your accounts.
including the price and quantity of securities you hold, the transactions
Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.
Brokerage products offered by Charles Schwab & Co., Inc. are not insured by the FDIC, are not deposits or obligations of Charles Schwab Bank, SSB and are
subject to investment risk, including the possible loss of principal invested. Deposit and other lending products and services are offered by Charles Schwab
Bank, SSB, Member FDIC and an Equal Housing Lender. Charles Schwab Bank, SSB is not acting or registered as a securities broker-dealer or investment
advisor.

CC4218920 (0620-093W)　REG86030-07 (06/20)
This page is intentionally blank.
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Schwab One Brokerage Account and A Linked Schwab Bank High Yield Investor Checking Account Applications

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Schwab One Brokerage Account and A Linked Schwab Bank High Yield Investor Checking Account Applications

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CLEAR PRINT

Open a Schwab One Brokerage ®

Account and a Linked Schwab Bank

As You’re Filling Out This Form, Please Remember To:

1 Choose Your Account Ownership (For Both Accounts)

Please select only one box. ■ Individual

2 Tell Us About Yourself (For Both Accounts)

As required by federal law, Juan M Cruz Pena

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

Regulations require that 2222 47th ave, apt c Oakland CA 94601

Country(ies) of Citizenship Please list all.

USA ■ Other(s) El Salvador

Country of Legal Residence Please select only one box.

Y5487274 California 11/25/2022

Securities industry regulations require that we collect this information.

Employer Name/Business Name

If you selected “Employed” or Business Owner/Self-Employed Executive/Senior Management

Information Technology Professional Other Professional

U.S. Government Employee (Federal/State/Local) Foreign Government Employee (Non-U.S.)

Clerical/Administrative Services Trade/Service Career (Labor/Manufacturing/Production)

The next two questions are required.

Company Name Trading Symbol

Under $15,000 $15,000-$24,999 ■ $25,000-$49,999 $50,000-$99,999 $100,000 or more

Liquid Net Worth

Trusted Contact Designation

Trusted Contact Information

If you have no changes to your Rafael A Cruz Pena

Please provide at least one 2222 47th ave, apt c

If you have no changes to your

Please provide at least one

State or Province Country Postal or Zip Code

Home Phone Mobile Phone Email Address

As required by federal law,

Home Phone Mobile Phone Work Phone Extension

Email Address Mother's Maiden Name

Country(ies) of Citizenship Please list all.

Country of Legal Residence Please select only one box.

Driver's License Passport U.S. Government-Issued ID

ID Number Country/State of ID Issuance ID Expiration Date mm/dd/yyyy

Single Married Divorced Widowed Number of Dependents

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