CLEAR PRINT

Schwab One International®

Trust Account Application Instructions
international.schwab.com | 1-877-686-1937 (inside the U.S.) | +1-415-667-8400 (outside the U.S.) | 1-888-686-6916 (multilingual services)

For important disclosures about our relationship with you and the services we can provide, please visit schwab.com/transparency.

The documents requested below are used to verify your identity and place of residence.

All requested documents must be submitted for each applicant and must match the applicant's name as it appears on his or her passport.

Your Account cannot be opened until Schwab receives and reviews all requested forms and documents.

Schwab One International Trust Account Application

All Trustees must complete and sign this Application.
Trust Addendum
Required if it is a Business Trust, or any beneficiaries receive distributions from the Trust or have a guaranteed (irrevocable/vested) right to
receive benefits or distributions from the Trust.

Trust Documents
For a Revocable or Irrevocable Trust: Attach a copy of the first page and all signature pages of the Trust document. The first page must include
the statement of Trust, including the names of Grantor(s)/Settlor(s) and Trustee(s).
For a Sub-Trust (e.g., Marital Trust, Bypass Trust, or Generation-Skipping Trust): In addition to the requested documentation listed above,
please provide copies of the page(s) of the original Trust document with the provision outlining the creation of the Sub-Trust.
For a Testamentary Trust: Attach copies of the first and signature page(s) of the Will and evidence that the Will has been filed with the court. In
addition, provide a copy of the provision within the Will that allows for the establishment of the Testamentary Trust.

Substitute Form W-8

A Form W-8 is required from all foreign persons/entities receiving U.S.-sourced payments. Please carefully read instructions to the Form W-8 for
specific details about each W-8 form, to determine the correct type of form that applies to your situation. If you require a specific Form W-8,
please consult a tax advisor or visit the Internal Revenue Service (IRS) website (www.irs.gov) to download the appropriate form(s). This form
must be completed if you are a nonresident alien individual, foreign entity, or an exempt foreign person of the U.S.

Other Proof of Identity

For each Trustor (Grantor/Settlor)/Protector (if applicable)/Trustee/Trust Beneficiary who is an individual, we require:
1. Passport(s)
Please provide a copy of the pages of the current passport that include photo, signature, and personal information.
2. Original or copy of a utility bill (not more than 12 months old)
Please note that the utility bill must show a street address identical to the address you enter on your Account Application and your Substitute
Form W-8BEN. (A post office box is not acceptable.)
If a Trustee, a Trustor (Grantor/Settlor), or a Trust Beneficiary is a corporation or other legal entity, please contact us at +1-415-667-8400 so that
we may provide you with instructions regarding information we need about the entity and individuals related to it.

Authorization to Purchase Offshore Investment Shares (APOIS) Form

This form is required if you elect to invest in offshore funds, including non-U.S.-registered sweep funds.

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36969-24 (12/24)
 Schwab One International®
Trust Account Application
Page 1 of 14

international.schwab.com | 1-877-686-1937 (inside the U.S.) | +1-415-667-8400 (outside the U.S.)

Trust accounts require a minimum deposit to open. Please contact Schwab for details.

1. Establish Your Account(s) or Brokerage Features (Check one.)

Open a new Schwab One International Trust account. (Please complete all sections of the Application. All Trustees must sign this Application
and the attached Trustee Certification.)
Convert your existing Schwab or Schwab One International account to a Schwab One International Trust account and keep the same account
number.
• If all of the current Account Holders are also the Trustees and the Taxpayer ID number is not changing, please write the account number below
and complete all sections of the Application. All Trustees must sign this Application as well, including the Trustee Certification section. If the
Taxpayer ID number is changing, a new account must be opened.
• If all of the parties on the existing account will not be acting as Trustees on the Trust account, the parties on the existing account must provide
Schwab with a Letter of Authorization (LOA) requesting the removal of the Account Holder(s) and the conversion to a Trust account. The LOA
must be signed by all parties on the existing account.
• Important note about your Account: If your existing account has a Trading Authority (TA) or Power of Attorney (POA) that you wish to retain, all
Trustees of the Trust must complete and sign a new Trading and Withdrawal Authorization form or Power of Attorney for Schwab One
International Trust Account form. If your Account has been approved for options trading and you would like to trade options, or if there are
options in your existing account, all Trustees must complete and sign a new Add Options Trading and Margin to Your Account form. Clients
residing in the EU are not eligible for margin.

Add Schwab One® checks or Visa® Platinum debit card(s) to an existing Schwab One International Trust account. Please provide your
account number below, complete Section 13, and sign the Trustee Certification and Application only. Notarization is required even if you are
only adding the checking feature.

Existing Schwab or Schwab One International Account Number

2. Trust Information
We respect your privacy. Charles Schwab & Co., Inc. ("Schwab") will use the information you provide to open and service your accounts,
communicate with you, and provide information about products and services. Read about Schwab's privacy policy at international.schwab.com.
2a. Type of Trust (Please complete Section A and, if applicable, Section B.)
A. Living or Testamentary Trusts
This is a Revocable Trust.
This is an Irrevocable Trust.
This is a Testamentary Trust created by Will or Probate.
Enter the decedent's name and date of death if this is a Testamentary Trust.

Name First/Given Middle Last Name(s)/Surname(s) Date of Death (mm/dd/yyyy)

B. Business Trust
Check here if this is a Business Trust. (Please complete the Trust Addendum.)
2b. Required Information About the Trust

Full Legal Name of Trust

U.S. Trust Taxpayer ID Number (if applicable) Date of Trust (mm/dd/yyyy) This Trust is governed by the laws of which jurisdiction?

FOR CHARLES SCHWAB USE ONLY

Approved By Date Approved (mm/dd/yyyy) Print Name of Approver

Source Code Indexing Code

Branch Office and ––– –––

Account Number
©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
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 Schwab One International® Trust Account Application Page 2 of 14

Is the Trust a 10% shareholder of a publicly held company?

No Yes (If "Yes," enter company name and trading symbol .)
Has the original Trust Agreement been amended or restated? No Yes

Most Recent Amendment Date Most Recent Restatement Date

Trust Annual Income Under $15,000 $15,000-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000 or more
Trust Liquid Net Worth 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.

2c. Required Information About the Grantor(s) (Trustor[s]/Settlor[s])

Note: If there is more than one Grantor, please complete and attach a photocopy of this section for each additional Grantor.

Type of Grantor (Please select only one.)

Individual Organization Trust

Grantor First/Given Name Middle Name Last Name(s)/Surname(s)/Entity Name

If the Grantor/Settlor is an entity, please list the jurisdiction in which the Grantor entity was established.

If the Grantor/Settlor is deceased, please provide the date of death and proceed to Section 4.

Grantor/Settlor Home/Legal (Physical) Street Address (no P.O. boxes, please)

City State or Province Country Zip or Postal Code

Business Telephone Number (Country Code) (City/Area Code) (Number) Home Telephone Number (Country Code) (City/Area Code) (Number)

Cellular Telephone Number (Country Code) (City/Area Code) (Number)

U.S. Social Security/Taxpayer ID Number (if applicable) Date of Birth (mm/dd/yyyy) Country of Birth

Country(ies) of Citizenship (Must list all; if not a U.S. citizen, please complete identification information below.)
USA Other Other
Country of Legal Residence
USA Other

Passport Number Place of Issuance Expiration Date (mm/dd/yyyy)

Is the Grantor affiliated with or employed by a stock exchange or member firm of an exchange or FINRA, or a municipal securities broker-dealer?
No Yes
If "yes," you must attach a letter from your employer or affiliated broker-dealer approving the establishment of your Account when submitting this
Application.

List the company name

Is the Grantor a director, 10% shareholder, or policy-making officer of a publicly held company? No Yes

(If "yes," enter company name and trading symbol .)

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
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3. Required Information About the Protector(s)/Controller(s) (if applicable)

Please provide the information below for each Protector/Controller.
Note: If there is more than one Protector/Controller, please complete and attach a photocopy of this section for each additional Protector/Controller.

Name First/Given Middle Name Last Name(s)/Surname(s)

Are you known by another name? (Please specify.) Mother's Maiden Name

Home/Legal Street Address (no P.O. boxes, please)

City State or Province Country Zip or Postal Code

Mailing Address (if different from above; P.O. boxes may be used)

City State or Province Country Zip or Postal Code

Home Telephone Number (Country Code) (City/Area Code) (Number) Business Telephone Number (Country Code) (City/Area Code) (Number)

Cellular Telephone Number (Country Code) (City/Area Code) (Number)

U.S. Social Security/Taxpayer ID Number (if applicable) Date of Birth (mm/dd/yyyy) Country of Birth

Email Address

Country(ies) of Citizenship (Must list all; if not a U.S. citizen, please complete identification information below.)
USA Other Other
Country of Legal Residence
USA Other

Passport Number Place of Issuance Expiration Date (mm/dd/yyyy)

Securities industry regulations require that we collect the following information.

Employment Information (Please select only one box.)
Employed Self-Employed Retired Homemaker Student Not Employed
Occupation (If you selected "Employed" or "Self-Employed," please select one option that best describes your occupation.)
Business Owner/Self-Employed Financial Services/Banking Professional Military Consultant
Executive/Senior Management Information Technology Professional Educator Other (specify):
Medical Professional Other Professional Sales/Marketing
Legal Professional Clerical/Administrative Services U.S. Government Employee (federal/state/local)
Accounting Professional Foreign Government Employee (non-U.S.) Trade/Service (labor/manufacturing/production)

Employer Name/Business Name Business Street Address (no P.O. boxes)

City State or Province Zip or Postal Code Country

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
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 Schwab One International® Trust Account Application Page 4 of 14

The Next Two Questions Are Required by Industry Regulations

Are you or an immediate family member associated with or employed by a stock exchange or member firm of an exchange or FINRA, or a municipal
securities broker-dealer?
No Yes (If "Yes," you must attach a letter from your or your immediate family member's employer or affiliated broker-dealer approving
the establishment of your Account when submitting this Application. List the company name .)
Are you a director, 10% shareholder, or policy-making officer of a publicly held company?
No Yes (If "Yes," enter company name and trading symbol .)

4. Required Information About the Trustee(s) (Notarization of Trustee signature[s] is required in Section 15.)
Please provide the information below for each Trustee.
If your Trustee is an entity, please skip this section and enter the Entity Agent information in Section 5.
Note: If there are more than two Trustees, please complete and attach a separate photocopy of the Co-Trustee section for each additional Trustee.
All Trustees must sign this Application and the Trustee Certification section included.
(Schwab will use the Primary Trustee address in this section as the address for the Account unless you are supplying information for an Entity
Trustee in Section 5.)
4a. Primary Trustee

Name First/Given Middle Name Last Name(s)/Surname(s)

Are you known by another name? (Please specify.) Mother's Maiden Name

Home/Legal Street Address (no P.O. boxes, please)

City State or Province Country Zip or Postal Code

Mailing Address (if different from above; P.O. boxes may be used)

City State or Province Country Zip or Postal Code

Home Telephone Number (Country Code) (City/Area Code) (Number) Business Telephone Number (Country Code) (City/Area Code) (Number)

Cellular Telephone Number (Country Code) (City/Area Code) (Number)

U.S. Social Security/Taxpayer ID Number (if applicable) Date of Birth (mm/dd/yyyy) Country of Birth

Email Address

Country(ies) of Citizenship (Must list all; if not a U.S. citizen, please complete identification information below.)
USA Other Other
Country of Legal Residence
USA Other

Passport Number Place of Issuance Expiration Date (mm/dd/yyyy)

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36969-24 (12/24)
 Schwab One International® Trust Account Application Page 5 of 14

Securities industry regulations require that we collect the following information.

Employment Information (Please select only one box.)
Employed Self-Employed Retired Homemaker Student Not Employed
Occupation (If you selected "Employed" or "Self-Employed," please select one option that best describes your occupation.)
Business Owner/Self-Employed Financial Services/Banking Professional Military Consultant
Executive/Senior Management Information Technology Professional Educator Other (specify):
Medical Professional Other Professional Sales/Marketing
Legal Professional Clerical/Administrative Services U.S. Government Employee (federal/state/local)
Accounting Professional Foreign Government Employee (non-U.S.) Trade/Service (labor/manufacturing/production)

Employer Name/Business Name Business Street Address (no P.O. boxes)

City State or Province Zip or Postal Code Country

The Next Two Questions Are Required by Industry Regulations
Are you or an immediate family member associated with or employed by a stock exchange or member firm of an exchange or FINRA, or a municipal
securities broker-dealer?
No Yes (If "Yes," you must attach a letter from your or your immediate family member's employer or affiliated broker-dealer approving
the establishment of your Account when submitting this Application. List the company name .)

Are you a director, 10% shareholder, or policy-making officer of a publicly held company?
No Yes (If "Yes," enter company name and trading symbol .)
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 this Trusted Contact, please skip this section.

Name First Middle Last Suffix

Relationship (Please select only one.)

Spouse Partner Child Parent Sibling Friend Other
Please provide at least one method of contact for each Trusted Contact listed.

Mailing Address (no P.O. boxes) City

State or Province Zip or Postal Code Country

Telephone Number Mobile Number Email Address

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36969-24 (12/24)
 Schwab One International® Trust Account Application Page 6 of 14

Person 2
If you have no changes to this Trusted Contact, please skip this section.

Name First Middle Last Suffix

Relationship (Please select only one.)

Spouse Partner Child Parent Sibling Friend Other
Please provide at least one method of contact for each Trusted Contact listed.

Mailing Address (no P.O. boxes) City

State or Province Zip or Postal Code Country

Telephone Number Mobile Number Email Address

*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.
4b. Co-Trustee (if applicable)

Name First/Given Middle Name Last Name(s)/Surname(s)

Are you known by another name? (Please specify.) Mother's Maiden Name

Home/Legal Street Address (no P.O. boxes, please)

City State or Province Country Zip or Postal Code

Mailing Address (if different from above; P.O. boxes may be used)

City State or Province Country Zip or Postal Code

Home Telephone Number (Country Code) (City/Area Code) (Number) Business Telephone Number (Country Code) (City/Area Code) (Number)

Cellular Telephone Number (Country Code) (City/Area Code) (Number)

U.S. Social Security/Taxpayer ID Number (if applicable) Date of Birth (mm/dd/yyyy) Country of Birth

Email Address

Country(ies) of Citizenship (Must list all; if not a U.S. citizen, please complete identification information below.)
USA Other Other
Country of Legal Residence
USA Other

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36969-24 (12/24)
 Schwab One International® Trust Account Application Page 7 of 14

Passport Number Place of Issuance Expiration Date (mm/dd/yyyy)

Securities industry regulations require that we collect the following information.

Employment Information (Please select only one box.)
Employed Self-Employed Retired Homemaker Student Not Employed
Occupation (If you selected "Employed" or "Self-Employed," please select one option that best describes your occupation.)
Business Owner/Self-Employed Financial Services/Banking Professional Military Consultant
Executive/Senior Management Information Technology Professional Educator Other (specify):
Medical Professional Other Professional Sales/Marketing
Legal Professional Clerical/Administrative Services U.S. Government Employee (federal/state/local)
Accounting Professional Foreign Government Employee (non-U.S.) Trade/Service (labor/manufacturing/production)

Employer Name/Business Name Business Street Address (no P.O. boxes)

City State or Province Zip or Postal Code Country

The Next Two Questions Are Required by Industry Regulations
Are you or an immediate family member associated with or employed by a stock exchange or member firm of an exchange or FINRA, or a municipal
securities broker-dealer?
No Yes (If "Yes," you must attach a letter from your or your immediate family member's employer or affiliated broker-dealer approving
the establishment of your Account when submitting this Application. List the company name .)

Are you a director, 10% shareholder, or policy-making officer of a publicly held company?
No Yes (If "Yes," enter company name and trading symbol .)
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 this Trusted Contact, please skip this section.

Name First Middle Last Suffix

Relationship (Please select only one.)

Spouse Partner Child Parent Sibling Friend Other
Please provide at least one method of contact for each Trusted Contact listed.

Mailing Address (no P.O. boxes) City

State or Province Zip or Postal Code Country

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
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 Schwab One International® Trust Account Application Page 8 of 14

Telephone Number Mobile Number Email Address

Person 2
If you have no changes to this Trusted Contact, please skip this section.

Name First Middle Last Suffix

Relationship (Please select only one.)

Spouse Partner Child Parent Sibling Friend Other
Please provide at least one method of contact for each Trusted Contact listed.

Mailing Address (no P.O. boxes) City

State or Province Zip or Postal Code Country

Telephone Number Mobile Number Email Address

*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.

5. This Section to Be Completed for the Entity Trustee (if applicable) (Notarization of Trustee signature[s] is required
in Section 15.)
If your Trustee is an entity, please provide the entity information below (in 5a), and the Entity Agent information below (in 5b). Schwab will use the
entity's address as the address for the Account.
All Trustees who are to conduct business in the Account must provide this information and sign this Application.
5a. Required Information About Entity

Entity Name (please supply if your Trustee is not an individual)

Legal Street Address (no P.O. boxes, please)

City State or Province Country Zip or Postal Code

Country of Incorporation/Establishment Jurisdiction of Incorporation/Establishment

U.S. Entity Taxpayer ID Number (if applicable) Business Telephone Number (Country Code) (City/Area Code) (Number)

5b. Required Information About Entity Agents

• Please complete this section for each individual who is authorized by the Entity Trustee to transact business with Schwab.
• If there is more than one individual who is authorized by the Entity Trustee to transact business with Schwab, please complete and attach
additional photocopies of this section.
• Schwab will have no obligation of inquiry with respect to the validity of, or authority with respect to, any transaction or instruction provided by an
Entity Agent.

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
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 Schwab One International® Trust Account Application Page 9 of 14

Entity Agent

Name First/Given Middle Name Last Name(s)/Surname(s)

Are you known by another name? (Please specify.) Mother's Maiden Name

Home/Legal Street Address (no P.O. boxes, please)

City State or Province Country Zip or Postal Code

Mailing Address (if different from above; P.O. boxes may be used)

City State or Province Country Zip or Postal Code

Home Telephone Number (Country Code) (City/Area Code) (Number) Business Telephone Number (Country Code) (City/Area Code) (Number)

Cellular Telephone Number (Country Code) (City/Area Code) (Number)

U.S. Social Security/Taxpayer ID Number (if applicable) Date of Birth (mm/dd/yyyy) Country of Birth

Email Address

Country(ies) of Citizenship (Must list all; if not a U.S. citizen, please complete identification information below.)
USA Other Other
Country of Legal Residence
USA Other

Passport Number Place of Issuance Expiration Date (mm/dd/yyyy)

Securities industry regulations require that we collect the following information.

Employment Information (Please select only one box.)
Employed Self-Employed Retired Homemaker Student Not Employed
Occupation (If you selected "Employed" or "Self-Employed," please select one option that best describes your occupation.)
Business Owner/Self-Employed Financial Services/Banking Professional Military Consultant
Executive/Senior Management Information Technology Professional Educator Other (specify):
Medical Professional Other Professional Sales/Marketing
Legal Professional Clerical/Administrative Services U.S. Government Employee (federal/state/local)
Accounting Professional Foreign Government Employee (non-U.S.) Trade/Service (labor/manufacturing/production)

Employer Name/Business Name Business Street Address (no P.O. boxes)

City State or Province Zip or Postal Code Country

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36969-24 (12/24)
 Schwab One International® Trust Account Application Page 10 of 14

The Next Two Questions Are Required by Industry Regulations

Are you or an immediate family member associated with or employed by a stock exchange or member firm of an exchange or FINRA, or a municipal
securities broker-dealer?
No Yes (If "Yes," you must attach a letter from your or your immediate family member's employer or affiliated broker-dealer approving
the establishment of your Account when submitting this Application. List the company name .)

Are you a director, 10% shareholder, or policy-making officer of a publicly held company?
No Yes (If "Yes," enter company name and trading symbol .)

6. Required Information About the Beneficiary(ies)

Does any Beneficiary have a guaranteed (irrevocable/vested) right to receive benefits or distributions from the Trust?
Yes No
Does any Beneficiary receive distributions from the Business Trust?
Yes No

If you answer "Yes" to either question, please complete the Trust Addendum and submit it with your Account Application.

7. How Did You Hear About Charles Schwab? (Check one.)

General reputation/news coverage
Referred by another individual
Traditional media advertising (such as a U.S. financial magazine)
Schwab website
Schwab web advertisement

8. Your Consent to Enroll in Schwab's Cash Features Program

The Cash Features Program is the service that we provide that permits the uninvested cash or "free credit balance" in the Trust's brokerage account
to earn income while you decide how those funds should be invested. The attached Cash Features Program General Terms and Conditions will
inform you of the general terms and conditions of the products available through our Cash Features Program. Additional information about the Cash
Features Program and each cash feature is available in the Cash Features Disclosure Statement.
By signing this Application, you consent to having the free credit balances in the Trust's brokerage account included in the Cash Features Program,
and you also consent to having the Schwab One® Interest feature as your designated cash feature. The Schwab One Interest feature pays you
taxable interest on the free credit balance in your account. The Schwab One Interest feature is not a bank account, is not bank-guaranteed, and is
not FDIC-insured. Cash balances in the Schwab One Interest feature are eligible for SIPC insurance, up to applicable limits.
You understand and agree that Schwab can (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.

9. Fund Your Schwab One International® Trust Account

A check made payable to the name of the Trust is enclosed for $ .
Transfer funds from another financial institution. Please complete the Transfer Your Account form.

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
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10. Add Paperless Services

Schwab offers electronic delivery of various materials, trade confirmations, account statements, and tax forms. To begin your enrollment in
Schwab's paperless services, provide your email address in Section 4 or 5. You will receive an email explaining how to complete your enrollment for
trade confirmations. To complete your enrollment for other materials, please log in to your Account at international.schwab.com. Schwab will
continue to send you account materials in the mail until you have completed the enrollment process. If you have provided your email address in
Section 4 or 5 but do not want to participate in Schwab's paperless services, please check the box below.

No, do not enroll my account in paperless services.

11. Required Information About the Account

Overall Investment Objective(s) of Your Schwab One International® Account (Please check all boxes that apply.)
Capital Preservation. 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.
Margin
A margin account allows the Trustee to borrow against eligible securities. Margin loans can be used to purchase additional securities, to sell
securities short, to obtain short-term financing, or as a source of overdraft protection. If you select the margin feature, your Trust Agreement must
specifically authorize the Trustee(s) to establish a margin account.
To learn more about margin, we encourage you to use the educational materials available at schwab.com/margin_education.
Add margin (Note: Clients residing in the EU, excluding residents of the U.K. and Switzerland, are not eligible for margin.)
Options Trading
If you are converting an existing Schwab One® account to a Schwab One Trust account and your Account has previously been approved for options
trading and you either have options in your existing account or would like to trade options, all Trustees must complete and sign a new Add Options
Trading and Margin to Your Account form.
Source of Funds in Account (Required - check at least one.)
In this section, we're collecting information about the categories ("sources") of assets that will be held in your Account. Please select all of the
sources of the assets that will be deposited or held in your Account, 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 Account (Check all that apply.)
Investing of Trust Assets Payment of Trust Expenses
Payment of Trustee Compensation Distribution of Trust Assets
Investing of Pooled Assets Investing for Tax Benefits
Other (please specify):

12. Checking Preferences

Access the cash in your Schwab One International® Trust account via checks and debit cards. You will be provided with four free initial checks and a
free Visa debit card. Upon receipt of your starter checks, you will have the opportunity to order additional checks. Visa debit cards are not available
for Testamentary Trust accounts.
Please select one of the following options:
Checks only.*
Checks* and one Visa debit card.
Checks* and two Visa debit cards (second Visa debit card available only for issuance in Co-Trustee's name).

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*Having the name of the Trust printed at the top of the checks, along with the names of the Trustees followed by the word "Trustee," provides
protection for the client. Under Uniform Commercial Code Section 3402(b)(2), if the check does not indicate that the maker of the check is signing
in their representative capacity (that is, as Trustee of a Trust), the signer may be personally liable to a holder in due course who takes the check
without notice that the Trustee was not intended to be liable on the instrument.
Anticipated Activity (Select one if you have selected checks or debit card above.)
On average, how many times per month do you anticipate writing checks and/or making ATM withdrawals? (Select only one.)
Less than 5 times per month
5 to 10 times per month
11 to 20 times per month
More than 20 times per month

13. Trustee Certification

All Trustees must initial each section to confirm acceptance of the terms and conditions of this Trustee Certification ("Certification"). All Trustees
must also sign and date this Certification.
Section 1—Authority, Ownership, and Control Over Trust Assets
1. Each Trustee certifies that no other person or entity other than the Trustee(s) has the authority to control, manage, or direct the Account. Each
Trustee further certifies that this Account has not pooled the holdings of more than one beneficial owner whose identity has not yet been
disclosed to Charles Schwab & Co., Inc. in which the beneficial owner has the ability to effect transactions.

Initial Here Initial Here

Section 2—Authorization to Open and to Transact in Account

1. By signing the attached Account Application (the "Application"), each Trustee represents, warrants, and certifies that Schwab is authorized to
open and maintain the Account on behalf of the Trust identified in the Application (the "Trust") in accordance with the applicable Account
Agreements, including without limitation the authority to accept, hold, and deliver assets belonging to the Trust and to accept orders and other
instructions relating to the Trust from the Trustee(s).
2. Each Trustee represents, warrants, and certifies that the Trust has been established in accordance with the laws of the governing jurisdiction; that
the source of funds used to fund the Account were lawfully obtained; and that the Account will solely be used for legally permissible purposes.
3. Each Trustee represents, warrants, and certifies that the Trust is a valid existing trust and that all of the information provided to Schwab on the
Application is accurate. Each Trustee agrees that they have provided Schwab with information on all parties who currently have control over the
Trust funds and agrees to provide Schwab with information on all future parties who control the Trust funds while the Account is open.
4. Each Trustee represents, warrants, and certifies that the Trust has not been revoked, modified, or amended in any manner that would cause the
representations contained in this Certification to be incorrect. Each Trustee agrees to notify Schwab immediately in writing of any changes that
would cause this Certification to become incorrect or incomplete; of any changes in the composition of the Trustees; of any changes to the Trust
structure or owners or control persons of the Trust; or of any other event that could alter this Certification.
5. Each Trustee understands that Schwab may request additional information and/or documentation relating to the Trust, and each Trustee agrees
to provide Schwab with all requested information and/or documentation.
6. The representations and obligations stated in this Certification will survive the termination of the Account.

Initial Here Initial Here

Section 3—Trustee Roles, Responsibilities, and Indemnification

1. If a Trustee hires an Advisor and/or Manager, the Trustees represent, warrant, and certify that either the Trust Agreement or applicable law grants
the Trustees the power to delegate to others (such as a financial advisor) the authority to, if authorized by a Trustee on the Account Application,
take the following actions and instruct Schwab to permit such authorized person to: (1) place trades in the Account as provided under the Trading
Authorization heading in the attached Account Application Agreement; (2) remit checks to the Trust at its address of record; (3) journal cash
and/or securities to a Schwab brokerage account on which the Trust is a named Account Holder (known as a first-party transfer); and (4) pay
investment advisory and related fees from the Account in the amount of an Advisor's instructions.

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2. Each Trustee represents, warrants, and certifies that either (1) the Trust expressly authorizes that each Trustee (if there is more than one) is
authorized to act individually, independently, and without the consent of the other Trustees; or (2) the Trustees have consented to allow each
Trustee to act individually, independently, and without the consent of the other Trustees with respect to the Account and that such delegation of
authority is expressly authorized by the Trust and by applicable law. Each Trustee agrees that any notice delivered to one Trustee shall constitute
notice to all Trustees. Schwab, in its sole discretion and for its sole protection, may require the written consent of any or all Trustees prior to
acting upon the instructions of any Trustee.
3. If a Trustee applies for and utilizes the margin borrowing feature, each Trustee represents, warrants, and certifies that the Trust expressly grants
them the power to trade securities on margin or otherwise (including the purchase and/or sale of option contracts) for and at the risk of the Trust
and to grant authority to a brokerage firm, acting as principal or otherwise, to pledge, repledge, hypothecate, or rehypothecate assets of the Trust.
Each Trustee agrees to decline the margin borrowing feature if such authorizations for borrowing are not contained in the Trust.
4. Each Trustee represents, warrants, and certifies that the Trust expressly grants them the power to buy, sell (including short sales), exchange,
convert, tender, and redeem securities without restriction as to type. Each Trustee further represents, warrants, and certifies that the Trust
expressly grants them the power to withdraw assets from the Account, including the delivery of assets to and from the Account and the delivery of
assets to a Trustee personally. Each Trustee agrees that Schwab shall have no duty of inquiry with respect to any trade, deposit, or withdrawal
from the Account, and each Trustee affirms that all transactions effected and all instructions provided to Schwab will be in full compliance with
the Trust.
5. By signing this Application, each Trustee represents, warrants, and certifies that there are no currently acting Trustee(s) of the Trust other than
those signing below. Should only one person execute this Application, it is a representation that the signer is the sole current acting Trustee.
6. Each Trustee represents, warrants, and certifies that neither they nor the Trust shall impose any obligation upon Schwab for determining the
purpose or propriety (1) of any instructions received from any Trustee or (2) of payments or deliveries to or among Trustees.
7. Each Trustee hereby, jointly and severally, in both their personal and representative capacities, agrees to indemnify Schwab, its affiliates, officers,
directors, attorneys, employees, and agents from, and to hold such persons harmless against, any claims, judgments, surcharges, settlements, or
other liabilities or costs of defense or settlement (including investigative and attorneys' fees) arising out of or related to any act or omission to act
by any Trustee with respect to the Account. Each Trustee also agrees, jointly and severally, to indemnify Schwab and hold Schwab harmless from
any claim, loss, expense, or other liability for effecting any transactions and for acting upon any investment or money movement instructions
provided by any Trustee.

Initial Here Initial Here

All Trustees must sign and date below.

Signature(s) and Date(s) Required

✘
Signature: Trustee Print Name Today's Date (mm/dd/yyyy)

✘
Signature: Co-Trustee Print Name Today's Date (mm/dd/yyyy)

14. Authorization to Open Account

By signing this Application, you acknowledge that you have received and read a copy of the attached Application Agreement, which contains a
predispute arbitration provision. You acknowledge that your signature signifies and constitutes your agreement that this account and you and the
Trust's relationship with Schwab will be governed by the Application Agreement and all incorporated agreements and disclosures, including the
Schwab One International® Account Agreement and the Charles Schwab Pricing Guide, each as amended from time to time (the "Agreement and
Disclosures"). You understand there are fees associated with establishing, maintaining, engaging in transactions in, and transferring assets out of
this account. Unless you have declined the margin feature, you acknowledge that securities securing loans from Schwab may be lent to Schwab and
lent by Schwab to others. You also acknowledge that if you trade "on margin," you are borrowing money from Schwab and you understand the
requirements and risks associated with margin borrowing as summarized in the Margin Disclosure Statement included with this Application.
For purposes of this Account Application and the attached Application Agreement, the terms "you," "your," and "Account Holder" refer to each
person who signs this Account Application and apply with respect to both a person's individual capacity and any applicable representative or
fiduciary capacity when such a person is acting on behalf of a legal owner of assets in the Account. When the legal owner of assets in the Account is
not a natural person, the terms "you," "your," and "Account Holder" also refer to such legal owner. The terms "we," "us," "our," and "Schwab" refer to
Charles Schwab & Co., Inc. All Trustees must sign and date this Application even if the Trustees will not conduct business in the Account. If there are
more than two Trustees, please make a photocopy of this page and complete it in full with attached notarizations.

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The Agreement with Schwab includes a predispute arbitration clause. I acknowledge receipt of the predispute arbitration clause contained in
the Required Arbitration Disclosures and Arbitration Agreement sections on pages 2–3 of the attached Schwab One International® Trust
Account Application Agreement.

Signature(s) and Date(s) Required

✘
Signature: Trustee Print Name Today's Date (mm/dd/yyyy)

✘
Signature: Co-Trustee Print Name Today's Date (mm/dd/yyyy)

15. Notarization of Trustee Signature(s)

Trustee signatures must be notarized. If it is necessary to notarize more than two Trustee signatures, please make and attach photocopies of this
page.

Jurisdiction: (NOTARY SEAL)

on before me, ,
(mm/dd/yyyy) (Name and Title of the Notarizing Officer)
personally appeared ,
(Name of Person[s] Signing Instrument)
personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose
name(s) is/are subscribed to the within instrument and who acknowledged to me that he/she/they executed
the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the
person(s), or the entity upon behalf of which the person(s) acted, executed the instrument.†
WITNESS my hand and official seal.
Notary Public Expiration Date
(Signature of Notarizing Officer) (mm/dd/yyyy)
† Notaries for whom the box provided is not applicable should attach the appropriate notarizing declaration in
lieu of the above.

Jurisdiction: (NOTARY SEAL)

on before me, ,
(mm/dd/yyyy) (Name and Title of the Notarizing Officer)
personally appeared ,
(Name of Person[s] Signing Instrument)
personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose
name(s) is/are subscribed to the within instrument and who acknowledged to me that he/she/they executed
the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the
person(s), or the entity upon behalf of which the person(s) acted, executed the instrument.†
WITNESS my hand and official seal.
Notary Public Expiration Date
(Signature of Notarizing Officer) (mm/dd/yyyy)
† Notaries for whom the box provided is not applicable should attach the appropriate notarizing declaration in
lieu of the above.

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 Schwab One International® Trust Account
Application Agreement Page 1 of 3

This agreement relates to your Account and is part of the Account Agreement between each Trustee and Charles
Schwab & Co., Inc. ("Schwab"). Please retain for your files.

Section 1: Scope of Agreement. Your address and securities positions to companies such indebtedness that results from instructions
agreement with Schwab consists of the terms in which we hold securities for your Account provided to Schwab by you, your agent or any
set forth in this Application Agreement and the upon request, unless you notify us otherwise in attorney-in-fact under a Power of Attorney or by
terms set forth in the Schwab One® Account writing. If you maintain more than one account an Investment Advisor authorized to make
Agreement, which incorporates the Charles at Schwab, you authorize Schwab to transfer transactions in your Account. We may elect
Schwab Pricing Guide and a number of other assets between your Accounts when no written anytime, with or without notice, to make any
important disclosures. The Schwab One authorization is requested. You authorize debit balance or other obligation related to your
Account Agreement is provided with this Schwab to apply the Beneficial Ownership Account immediately due and payable. We may
Application or at the opening of your Account. information provided in this Application to all report any past-due account to a consumer
You agree to contact Schwab if you do not other similarly registered Organization accounts and/or securities credit reporting agency. We
receive the Schwab One Account Agreement. maintained at Schwab. may also refer your Account to a
collection agency.
In addition, you may in the future receive from Section 5: Responsibility for Investment
Schwab supplemental terms or disclosures that Decisions. You agree that you and any agent Section 7: Granting a Lien on Your Accounts.
pertain to certain account types, service under a Power of Attorney or Investment As security for the repayment of all present or
features and benefit packages. These Advisor (if you have one) are solely responsible future indebtedness owed to us by each
supplemental terms and disclosures, this for investment decisions in your Account, Account Holder, each Account Holder grants to
Application Agreement and the Schwab One including whether to buy or sell a particular us a first, perfected and prior lien on; a
Account Agreement are collectively referred to security. Unless required by law, or unless continuing security interest in; and a right of
as the "Agreement and Disclosures." You agree Schwab provides advice to you that is clearly set-off with respect to all property that is, now
to read the Agreement and Disclosures carefully identified as an individualized recommendation or in the future, held, carried or maintained for
and retain copies for your records. for you, you understand that Schwab has no any purpose in or through Schwab, and, to the
obligation to determine whether a particular extent of such Account Holder's interest in or
Section 2: Acceptance of Agreement and
transaction, strategy or purchase or sale of a through, any present or future account with us
Disclosures. You agree that the Agreement and
security is in your best interest. Your obligation or our affiliates in which the Account Holder has
Disclosures govern all aspects of your
includes an affirmative duty to monitor profits an interest. In the event of a breach or default
relationship with Schwab, including all
and stay informed about your Account and your by you under this Agreement, Schwab will have
transactions between Schwab and you, and all
investments and respond to changes as you the rights and remedies available to a secured
products and services now or in the future
deem appropriate. creditor under all applicable laws in addition to
offered through Schwab. Schwab may rely on
the rights and remedies provided in
your use of Schwab's products and services as Unless we otherwise agree with you in writing,
this Agreement.
evidence of your continued acceptance of the Schwab does not monitor your Account(s) or
Agreement and Disclosures. investments and has no obligation to update an Section 8: Liquidations. Whenever it is
investment recommendation, financial advice, necessary for our protection or to satisfy a
Section 3: Your Representations and
or financial plan we may give you. Such margin deficiency, debit or other obligation
Warranties. You represent and warrant that:
recommendation, financial advice, or financial owed us, we may (but are not required to) sell,
(a) you are of legal age in the state in which you
plan only applies at the point in time we provide assign and deliver all or any part of the property
live, and you are authorized to enter into this
it to you. securing your obligations, or close any or all
Agreement; (b) you have supplied accurate
transactions in your Account. We may choose
information in your Account Application; (c) no You acknowledge that Schwab does not provide
which property to buy or sell, which
additional authorizations from third parties are tax or legal advice.
transactions to close and the sequence and
required for you to open the Account and effect You acknowledge that, with regard to any trust timing of liquidation. We may take such actions
transactions therein; (d) except as you have agreement or any portion of a trust agreement on whatever exchange or market and in
otherwise indicated on your Account Application submitted to Schwab, Schwab will be reviewing whatever manner (including public auction or
or in writing to us, (i) you are not an employee of only certain items in the Agreement for specific private sale) that we choose in the exercise of
or affiliated with any securities exchange or Schwab purposes, such as for Schwab's anti– our business judgment. You agree not to hold us
member firm of any exchange, the Financial money laundering procedures in our account liable for the choice of which property to buy or
Industry Regulatory Authority (FINRA), or any opening process. You agree that you will not sell, or which transactions to close, or for the
securities firm, bank, trust company, or hold Schwab responsible for reviewing and timing or manner of liquidation.
insurance company, and (ii) you are not a understanding the Agreement or any part of it,
director, 10% beneficial shareholder, policy- In certain circumstances we may, at our sole
or require Schwab to implement any provision in
making officer, or otherwise an "affiliate" (as discretion, liquidate your entire margin loan
it. You also agree that Schwab may rely on the
defined in Rule 144 under the Securities Act of balance to satisfy a margin call. You agree not
covenants, representations and warranties in
1933) of a publicly traded company; and (e) this to hold us liable for taking such action.
these terms and conditions as well as any
Application Agreement, as amended from time We may transfer property from any
directions given by authorized persons even if
to time, is a legal, valid and binding obligation, non-retirement brokerage account in which you
these terms and conditions or the directions are
enforceable against you in accordance with have an interest to any other brokerage
not consistent with any provision of the
its terms. accounts in which you have an interest,
Trust agreement.
regardless of whether there are other Account
Section 4: Account Handling. Schwab will Section 6: Payment of Indebtedness. You agree Holders on either account, if we determine that
automatically hold all of your securities to make payment of any indebtedness related to your obligations are not adequately secured or
purchased, sales proceeds, dividends and your Account, including, but not limited to, any to satisfy a margin deficiency or other
interest. Schwab will also release your name,

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obligation. You agree to pay on demand any Section 13: Verification. You authorize Schwab 1. the class certification is denied;
account deficiencies after liquidation, whether to inquire from any source, including a 2. the class is decertified; or
liquidation is complete or partial. consumer reporting agency, as to your identity 3. the customer is excluded from the class by
(as required by federal law), creditworthiness the court.
All of the above may be done without demand
and ongoing eligibility for the Account (and that
for margin or notice of purchase, sale, transfer Such forbearance to enforce an agreement to
of your spouse, if you live in a community
or cancellation to you. No demand for margin or arbitrate shall not constitute a waiver of any
property state) at account opening, at any time
notice shall impose on Schwab any obligation to rights under this Agreement except to the
throughout the life of the Account, and
make such demand or provide such notice to extent stated herein.
thereafter for debt collection or
you in the future. Any such notice or demand is Section 16: Arbitration Agreement. Any
investigative purposes.
hereby expressly waived, and no specific controversy or claim arising out of or relating
demand or notice shall invalidate this waiver. Section 14: Changes to Trust or Facts
to (i) this Agreement, any other agreement
Provided. You agree to notify Schwab if there is
Section 9: Interest on Debit Balances. We will with Schwab, an instruction or authorization
any change to the information provided on this
charge and compound interest on your debit provided to Schwab or the breach of any such
Application, including without limitation any
balances (whether in a Margin or Cash Account) agreements, instructions, or authorizations;
change in the designated Trustees of the Trust,
according to our Disclosure of Credit Terms (ii) the Account, any other Schwab account or
and to supply appropriate documents requested
and Policies. Services; (iii) transactions in the Account or
by Schwab relating to such change.
any other Schwab account; (iv) or in any way
Section 10: Borrowing Money and Using
Section 15: Required Arbitration Disclosures. arising from the relationship with Schwab, its
Margin. All margin transactions are subject to
Regulatory authorities require that any parent, subsidiaries, affiliates, officers,
our Disclosure of Credit Terms and Policies and
brokerage agreement containing a predispute directors, employees, agents or service
our Margin Disclosure Statement. You agree not
arbitration agreement must disclose that this providers ("Related Third Parties"), including
to enter an order for a margin transaction until
agreement contains a predispute arbitration any controversy over the arbitrability of a
you have read and understood the Disclosure of
clause. This Agreement contains a predispute dispute, will be settled by arbitration.
Credit Terms and Policies and the Margin
arbitration clause. By signing an arbitration
Disclosure Statement. This arbitration agreement will be binding upon
agreement, the parties agree as follows:
and inure to the benefit of the parties hereto
Section 11: Loan Consent. You agree that
• All parties to this Agreement are giving up and their respective representatives,
property held in your Margin Account, now or in
the right to sue each other in court, including attorneys-in-fact, heirs, successors, assigns
the future, can be borrowed (either separately
the right to a trial by jury, except as provided and any other persons having or claiming to
or together with the property of others) by us
by the rules of the arbitration forum in which have a legal or beneficial interest in the
(acting as principal) or by others. You agree that
a claim is filed. Account, including court-appointed trustees
Schwab may receive and retain certain benefits
• Arbitration awards are generally final and and receivers. This arbitration agreement will
(including, but not limited to, interest on
binding; a party's ability to have a court also inure to the benefit of third-party service
collateral posted for such loans) to which you
reverse or modify an arbitration award is providers that assist Schwab in providing
will not be entitled. You acknowledge that, in
very limited. Services ("Third-Party Service Providers") and
certain circumstances, such borrowings could
• The ability of the parties to obtain such Third-Party Service Providers are
limit your ability to exercise voting rights or
documents, witness statements and other deemed to be third-party beneficiaries of this
receive dividends, in whole or in part, with
discovery is generally more limited in arbitration agreement.
respect to the property lent. You understand
arbitration than in court proceedings.
that for property that is lent by Schwab, the The parties agree that this arbitration
• The arbitrators do not have to explain the
dividends paid on such property will go to the agreement will apply even if the application to
reason(s) for their award unless, in an eligible
borrower. No compensation or other open the Account is denied and will survive
case, a joint request for an explained decision
reimbursements will be due to you in the closure of your Account and/or the
has been submitted by all parties to the
connection with such borrowings. However, if termination of services rendered under
panel at least 20 days prior to the first
you are allocated a substitute payment in lieu of this Agreement.
scheduled hearing date.
dividends, you understand that such a payment Such arbitration will be conducted by, and
• The panel of arbitrators will typically include
may not be entitled to the same tax treatment according to the securities arbitration rules and
a minority of arbitrators who were or are
as may have been applied to the receipt of a regulations then in effect of, the Financial
affiliated with the securities industry.
dividend. You agree that Schwab is not required Industry Regulatory Authority (FINRA) or any
• The rules of some arbitration forums may
to compensate you for any differential tax national securities exchange that provides a
impose time limits for bringing a claim in
treatment between dividends and payments in forum for the arbitration of disputes, provided
arbitration. In some cases, a claim that is
lieu of dividends. Schwab may allocate that Schwab is a member of such national
ineligible for arbitration may be brought
payments in lieu of dividends by any mechanism securities exchange at the time the arbitration
in court.
permitted by law, including by using a lottery is initiated. Any party may initiate arbitration
• The rules of the arbitration forum in which
allocation system. by filing a written claim with FINRA or such
the claim is filed, and any amendments
Section 12: Using the Check and Visa debit thereto, shall be incorporated into eligible national securities exchange. If
card Features. If you have requested the check this Agreement. arbitration before FINRA or an eligible national
or Visa debit card feature through your Account, securities exchange is unavailable or
No person shall bring a putative or certified
you authorize checks and Visa debit cards to be impossible for any reason, then such
class action to arbitration, nor seek to enforce
issued as indicated in your Account Application. arbitration will be conducted by, and according
any predispute arbitration agreement against
You agree that each Account Holder is to the rules and regulations then in effect of,
any person who has initiated in court a
authorized to write checks and engage in Visa the American Arbitration Association (AAA). If
putative class action; or who is a member of a
debit card transactions, and you understand arbitration before the AAA is unavailable or
putative class who has not opted out of the
that if the checking feature is terminated, your impossible for any reason, the parties agree to
class with respect to any claims encompassed
Visa debit card will be automatically cancelled. have a court of competent jurisdiction appoint
by the putative class action until:
three (3) arbitrators to resolve any and all
disputes or controversies between or among
the parties. Each party shall bear its own initial
arbitration costs, which are determined by the

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rules and regulations of the arbitration forum. arrangements directly with the interpreter
In the event of financial hardship, the and shall assume all costs of the service.
arbitration forum may waive certain costs in (4) If a party is a foreign government or state,
accordance with such rules. state-owned or state-operated enterprise
At the conclusion of the hearing, the or other instrumentality of a foreign
arbitrators will decide how to assess the costs government or state, such party waives all
of the arbitration among the parties. rights of sovereign immunity and neither
the Federal Act of State doctrine nor the
Any award the arbitrator makes shall be final doctrine of sovereign immunity shall apply
and binding, and judgment on it may be insofar as any enforcement in courts
entered in any court having jurisdiction. This located in the U.S.A. is concerned.
arbitration agreement shall be enforced and
interpreted exclusively in accordance with Section 17: Electronic Copies. The
applicable federal laws of the United States, electronically stored copy of your (or your
including the Federal Arbitration Act. Any agent's) signature, any written instructions or
costs, fees or taxes involved in enforcing the authorizations, the Account Application and the
award shall be fully assessed against and paid Agreement and Disclosures is considered to be
by the party resisting enforcement of the true, complete, valid, authentic and
said award. enforceable record, admissible in judicial,
administrative or arbitration proceedings to the
For FINRA arbitrations, FINRA will appoint a same extent as if the documents and records
single public arbitrator in customer cases were originally generated and maintained in
decided by one arbitrator. In customer cases printed form. You agree to not contest the
decided by three arbitrators, investors have admissibility or enforceability of Schwab's
the option of choosing an arbitration panel electronically stored copy of such documents in
with two public arbitrators and one non-public any proceeding between you and Schwab.
arbitrator (Majority-Public Panel Rule) or a
panel of all public arbitrators (Optional Section 18: Float. You agree that Schwab will
All-Public Panel Rule). If the customer declines retain as compensation for services your
to elect a panel selection method in writing by Account's proportionate share of any interest
the applicable deadline, the Majority-Public earned on aggregated cash balances held in
Panel Rule for selecting arbitrators will apply. Schwab's bank account with respect to
(1) assets awaiting investment or (2) assets
All notices from one party to the other pending distribution from your Account. Such
involving arbitration shall be considered to interest retained by Schwab shall generally be
have been fully given when so served, mailed at money market rates. Schwab's receipt of
by first-class, certified or registered mail, or such compensation is further described in the
otherwise given by other commercially Agreements and Disclosures.
accepted medium of written notification.
Section 19: Unclaimed Property. If no activity
In addition to the above provisions, if a party to occurs in the Account within the time period
this Agreement is or becomes a non-U.S. specified by applicable state law, the Account
resident at the time of any controversy subject may be transferred to the appropriate state.
to this arbitration agreement, such party
acknowledges and agrees to the following Section 20: Information About SIPC. To obtain
additional provisions: information about Securities Investor Protection
Corporation (SIPC), including an explanatory
(1) The rules of the organization administering SIPC brochure, please contact SIPC at
the arbitration specifically provide for the www.sipc.org or 1-202-371-8300.
formal designation of the place at which
the arbitration is to be held. Section 21: Impartial Lottery for Securities
(2) Entering into this Agreement constitutes Subject to Partial Call or Partial Redemption. If
consent to submit to the personal Schwab holds securities for you in street name,
jurisdiction of the courts of the state of in Schwab's name, or in bearer form that are
California, U.S.A., to interpret or enforce subject to partial call or partial redemption,
any or all of these arbitration provisions. then in the case of a partial call or partial
Judgment on any arbitration award may be redemption Schwab will use an impartial lottery
entered in any court having jurisdiction, or system to select the securities to be called or
application may be made to such court for redeemed from among accounts holding those
judicial acceptance of the award and an securities. For a description of Schwab's lottery
order of enforcement, as the case may be. system, please visit schwab.com/PartialCalls. If
(3) The exclusive language to be used by the you would like a printed description of Schwab's
parties and the arbitrators in the arbitration lottery system mailed to you, please contact a
proceedings shall be English. Any party Schwab representative at 1-800-435-4000.
wishing an interpreter shall make all

Investment and Insurance Products: Not a Deposit • Not FDIC Insured • Not Insured by any Federal Government Agency • No Bank Guarantee • May Lose Value

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) APP36969-24 (12/24)
 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)
 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 Program 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 Program Disclosure
Statement, the Cash Features Program Disclosure Statement will control.

How the Cash Schwab's Cash Features Program is the service (described in the Cash Features Program
Features Program Disclosure Statement) that we provide to automatically invest, or "sweep," the free credit
Works balance in your 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:

Features
• 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 Program Banks (the "Bank Sweep feature"
for most accounts and the "Bank Sweep for Benefit Plans feature" for retirement plan
accounts); and
• For some accounts, an affiliated money market mutual fund (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 Program 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 view of prevailing market and business
conditions. With certain exceptions, the rate may be tiered based upon the overall free credit
balance within your account.
• The interest rates paid on the Bank Sweep feature are set by the Affiliated Program Banks, and
may be set as low as possible consistent with prevailing market and business conditions.
Retirement accounts will be paid a reasonable rate consistent with applicable legal and
regulatory requirements. With certain exceptions, the rate may be tiered based upon your
account type and the combined amount of your account's Bank Sweep deposits at the Program
Bank(s).

Investment and Insurance Products: Not a Deposit • Not FDIC Insured • Not Insured by any Federal Government Agency • No Bank Guarantee • May Lose Value

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) REG91285-05 (12/24)
 Cash Features Program General Terms and Conditions Page 2 of 2

Interest Rates and • The interest rates paid on the Bank Sweep for Benefit Plans feature will be a reasonable rate
Yields consistent with applicable legal and regulatory requirements. This may be lower than some
competitors' rates. Interest rates do not vary by tiers and do not vary based on your cash
(Continued) balances.
• The money market mutual fund offered through the Money Fund Sweep feature seeks to
achieve the highest yield (less fees and expenses) consistent with prudence and the fund's
investment objectives.
Cash features are not intended to be long-term investments, and yields on any of our cash
features may 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-investments 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:
• The Schwab One® Interest feature is not subject to market risk and value loss but is subject to
Account Protection 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 the Program Banks. Please
review the Cash Features Program Disclosure Statement for a list of the Program Banks
(www.schwab.com/cashfeaturesdisclosure). Certain conditions must be satisfied for FDIC
insurance coverage to apply. In the unlikely event that one or more of the Program 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 Program Bank to
determine if these, in total, exceed FDIC insurance limits. Monies held in both features are
not covered by SIPC.
• The Money Fund Sweep feature invests in high-quality, short- term securities and seeks to
maintain a stable value, but is subject to market risks and potential value loss. It is not a bank
account and is not subject to FDIC insurance protection. It is 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.

Investment and Insurance Products: Not a Deposit • Not FDIC Insured • Not Insured by any Federal Government Agency • No Bank Guarantee • May Lose Value

©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
AEM11476229 (0424-RU1K) REG91285-05 (12/24)