charles schwab ac144

You agree not to hold Schwab responsible for market fluctuations that may occur to the market price or settlement of your securities while your transaction is processed. Please call Schwab or visit our website for our current margin requirements. When you make a short sale, it is necessary to borrow securities in order to deliver the shares to the buyer. If you wish to combine communications for additional eligible accounts that are not automatically combined, please contact Schwab. When a domestic company offers its shareholders a choice to receive a dividend either in cash or stock, we will use your dividend reinvestment election as the basis for allocating future distributions. Quarterly information regarding the market venues to which we route orders and remuneration received is available on our website atSchwab.comor in written form upon request. We will not take any action with respect to any such exchange or tender offer without specific instructions from you. Schwab will inform you if your Account is assigned to an IBL in your geographic area. It is part of your brokerage account agreement. If the Non-Publicly Traded Security is represented by a physical certificate in Schwab's possession, Schwab will return the physical certificate to you. Securities Professionals May Not Use Research Reports in Their BusinessIf you are a securities broker, dealer or investment banker, by requesting or receiving any Research Reports, you agree not to use any such Research Reports for any purpose related to your business. If you sell securities short and the value of the securities rises, you may receive a margin call requiring you to deposit additional assets and we may sell other assets in your Account to satisfy your margin obligation, without prior notice and at a loss or at lower prices than under other circumstances. Note: Certain transfers made in connection with the purchase or sale of securities are not covered by Regulation E or this section. Schwab may opt at any time, in its sole discretion, to remove a value for a Non-Publicly Traded Security from your statement and report a value of "N/A" or "Not Available.". Schwab will not undertake to review or assume responsibility for the terms and conditions or contents set forth in such documentation, including, but not limited to, appropriateness or suitability, restrictions of ownership, rights of transfer, financial statements, or the adequacy of disclosure or compliance with applicable laws, rules, and regulations. Equity securities selling for $5 or less and odd lots usually may not be sold short. Unless we otherwise agree with you in writing, Schwab does not monitor your account(s) or investments and has no obligation to update an investment recommendation, financial advice, or financial plan we may give you. If you are unable to cover a short position (either through delivery of the security or through our "buying in" your position) in enough time for us to deliver the security to its lender, you agree to pay us for the losses we sustain as a result of the failure to deliver. Schwab will process the corporate action for your account consistent with your election regardless of whether your distribution is paid directly from the issuer or indirectly by the borrowing counterparty. Otherwise shown an interest in your account. Schwab is required to report adjusted cost basis, including short term and long term gain and loss details, to you and to the IRS for securities transactions in your taxable brokerage account(s). Failure to provide us with a valid account number could also limit your access to a Schwab representative. Different requirements apply to non-equity securities. Schwab is also not responsible for any damage to your computer, software, modem, telephone, wireless device or other property resulting in any way from your use of Schwab's Electronic Services. Schwab's services that provide the means to place trades electronically should not be construed as an endorsement or promotion of Day Trading. Charles Schwab & Co., Inc. Further information will be furnished upon request. We are not responsible for determining the purpose or propriety of an instruction we receive from any account holder or for the disposition of payments or deliveries among joint account holders. E-0323-5864603325063757858 REG18163-29 (04/23), Brokerage Products: Not FDIC Insured No Bank Guarantee May Lose Value. If you choose to change your Cash Feature from one Cash Feature to another, or if Schwab changes your Cash Feature from one Cash Feature to another, you will generally stop earning interest or dividends, as the case may be, on the day of your request. You agree to indemnify us against, hold us harmless from, and defend us against any losses, claims, costs, expenses, damages, or liabilities (including, but not limited to, attorneys' fees) arising out of or resulting from any action taken or omitted by us in accordance with this Agreement or your instructions. Schwab Bank Investor Savings account 0.48% APY* 1 Get a competitive yield regardless of your balance and keep your liquid savings growing. Engage via Email. We will refund your money within three Business Days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient's account. For our protection or to satisfy your obligations to us, we can,at our discretion and without prior demand or notice, sell or otherwise liquidate all or any part of the Securities and Other Property, securing your obligations or closing any or all transactions in your Schwab Account. For securities transactions, this delay may cause a difference between the execution price and the displayed quote at the time the order was entered. However, if you place a limit order, you are less likely to get an execution. Pursuant to government regulations, we may be unable to send a wire transfer you requested to certain individuals or countries, or to individuals who are citizens of those countries. You may obtain immediate information by calling our toll-free number. We may extend credit to you according to applicable laws and regulations and our Disclosure of Credit Terms and Policies. As security for the repayment of all present or future indebtedness owed to us by any account holder under the Account Agreement or otherwise, each account holder grants to us a continuing security interest in and lien on, and a right of setoff with respect to, all Securities and Other Property that are, now or in the future, held, carried or maintained for any purpose in or through the Schwab Account, and, to the extent of such account holder's interest in or through, any present or future account with us in which the account holder has an interest. You agree to abide by any such restriction and to not initiate trades or transactions which would violate any restriction on your Account. In no event will we be liable for any special, indirect, or consequential damages (even if we have been informed of the possibility of such damages), including, without limitation, loss of profits or revenue, except as may be required by applicable law. Or, call TeleBroker, a direct line to our full suite of touch-tone services, at 800-272-4922 ( 800-2SCHWAB ). Schwab reserves the right to later charge fees or waive the minimum or fees on any account in circumstances that we deem appropriate. Learn more about our services fornon-U.S. residents. You are responsible for reviewing all of your account statements, any amendments to your account agreement(s), any regulatory notices and any other information that is sent by Schwab. Schwab may, in its sole discretion, remove particular securities from the list of securities that can be purchased using electronic services due to volatility or other market factors. You can also be charged a fund's redemption fee that would not be imposed by the fund on direct shareholders holding fund shares under the same circumstances. We encourage you to place all orders using the services. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. ("Schwab"), Member SIPC, offers investment services and products, including Schwab brokerage accounts. Read More . Timing is subject to our discretion. You understand that none of the Information (including Research Reports) available through Schwab's Electronic Services constitutes a recommendation for you or your Account, or solicitation that you should purchase or sell any particular security. Shares purchased by the buying agent will be delivered to us as your administrative agent. Email. By the rules and regulations of the Financial Industry Regulatory Authority, the American Stock Exchange and other regulatory agencies to the jurisdiction of which we are subject; and. Find workshops View All Branches Christopher Spriggs's Phone Number and Email Last Update. By signing an arbitration agreement, the parties agree as follows: No person shall bring a putative or certified class action to arbitration, nor seek to enforce any predispute arbitration agreement against any person who has initiated in court a putative class action; or who is a member of a putative class who has not opted out of the class with respect to any claims encompassed by the putative class action until: Such forbearance to enforce an agreement to arbitrate shall not constitute a waiver of any rights under this Agreement except to the extent stated herein. Generally, the more orders that are available in a market, the greater the liquidity in that market. You will verify that deposits have been correctly posted to your Account and notify Schwab immediately of any discrepancy. Our selection may differ from that indicated in your instructions. Schwab is not obligated to notify you of any upcoming expiration or redemption dates or to take any other action on your behalf without specific instructions from you. No portion of these fees will reduce or offset the fees otherwise due to Schwab in connection with the Account unless required by law. Schwab processes your requests to change or cancel an order on a best-efforts basis only and will not be liable to you if Schwab is unable to change or cancel your order. Risk of Wider Spreads. Schwab may link other accounts upon your request if account holders are in the same family, there is a dependent relationship, or in certain other similar instances at Schwab's discretion. You agree to pay or receive the prevailing market price at the time your market order was executed, even if the execution market price is significantly higher or lower than you anticipated at the time you placed the order. The Schwab OneInterest feature pays you interest on cash awaiting investment. Conversely, if the market value decreases, your available credit may proportionately decrease. For electronic funds transfers and wires, this manual review may delay when funds are paid or made available. This means that you may not rely on the name of the person or bank that you provide us to ensure payment to the correct person. If an account is transferred, if a stock undergoes a reorganization or if stock certificates are ordered out of an account, those partial share positions that cannot be transferred or reorganized will be liquidated at prevailing prices. You agree that we do not have any responsibility to issue a margin call, to liquidate positions in your account or to select the securities to be liquidated or the manner or timing of the liquidation in order to prevent or minimize losses to you. Your continued use of your Account or a Service following such a change in fee or new fee will evidence your consent. On the same day that the processing is completed, the amount of the distribution will be debited from your Account. If there is a restriction on your account(s) at Schwab, your use of the Electronic Services' trading functions will be so restricted with respect to such account(s). At the conclusion of the hearing, the arbitrators will decide how to assess the costs of the arbitration among the parties. We reserve the right to charge interest on debit balances in the Cash Account. Go to www.schwab.com and log in to your account. Find a Schwab branch near you by selecting the state, city, or zip code. This includes services and information accessible through Schwab, or service providers used by Schwab, including, but not limited to: Services ProvidedSchwab's Electronic Services allow you to enter orders to buy and sell certain securities, stock options and mutual funds within your Schwab Account, and to access securities price quotations, investing information and your personal account information. If my Schwab Account is converted into another account at Schwab, whether by closing my Schwab Account and opening another account or otherwise, I agree to read and be bound by the terms of the agreement governing that other account as currently in effect at the time of conversion and as amended thereafter from time to time.

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