Document 3
Document 3
• Use this form to authorize a third party (referred to as your "Agent") to act on your behalf in connection with your Individual Retirement Account (IRA),
your Schwab One® brokerage account and, if applicable, your linked Schwab Bank Investor Checking™ account and/or your associated Schwab
Global Account™.
• If you are seeking to add an Agent to a Trust account or a business account, Schwab may require additional documentation.
• Depending on the authority designation chosen in Section 2, this form may authorize an Agent to withdraw money and securities from an account
and/or write checks against an account.
• If options trading is enabled on the account(s), the Agent must also complete an Options Trading and Margin Application.
• If your account has a linked Futures and/or Forex Account, a Futures and Forex Trading Authorization form is also required.
• For a Schwab One International® account, use the Trading and Withdrawal Authorization for Schwab One International Accounts form.
• Trading and Withdrawal Authorization is not permitted on fiduciary accounts (including guardianships, conservatorships and estates). Please consult
legal counsel.
• Please note: If an Agent is receiving compensation for providing investment advice, that person may need to be registered as an Investment Advisor
with the Securities and Exchange Commission (SEC) or the applicable state securities regulator. Registration laws, and exemptions from registration,
vary by state. Many states require registration if an Agent is receiving compensation for investment advice from just one client. The Agent should
consult with legal counsel and/or publicly available resources (www.nasaa.org,and www.sec.gov) to understand the Investment Advisor registration
requirements. It is the legal responsibility of the Agent to ensure he or she is complying with the Investment Advisor registration laws that apply to
him or her.
*If Account is linked to an Investor Checking account, any authorization granted hereunder will apply to both the Account and linked Investor
Checking account.
Trust/Organization's Name
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2. Authority Designation
Appoint your Agent(s) to act in one of the following capacities (select only one):
Limited Trading Authority (LTA) gives your Agent the authority to:
• Trade in your Account.
• Place options trades, if your Account is authorized for options trading and your Agent is also approved for options trading by Schwab.
• View your Account or Investor Checking account, if applicable, online.
• Incur additional margin debt, if your Account is approved for margin.
Full Trading Authority (FTA) gives your Agent the authority to:
• Act with all the authorities of an LTA on Account or Investor Checking account, if applicable, including trading in your Account.
• Withdraw funds from your Account or your Investor Checking account, if applicable, including requesting a check, electronic funds transfer (EFT),
or wire transfer be sent to you or someone other than you, including the Agent.
• Transfer funds and securities to another Schwab account in your name or in the name of a third party, including to the Agent's separate Schwab
account.
• Direct distributions from an IRA or QRP.
Full Trading Authority is not available for custodial accounts.
For a trust account (other than a revocable living trust account, in which the Trustor[s], Trustee[s] and current beneficiary[ies] are all the same
individuals), before granting Full Trading Authority, Schwab and Schwab Bank will require photocopies of the following pages from the trust document:
• Title pages containing the name and date of the trust, Trustor(s) and Trustee(s)
• Signature page(s)
• Pages setting forth the Trustee(s)' authority to delegate powers and appoint Agents
Note: A Durable Power of Attorney (DPOA) is needed to grant any additional authorities to your Agent.
3. Agent Information
Each Acting Agent with linked Schwab One® and Schwab Bank Investor Checking™ accounts must be a U.S. resident or U.S. resident alien, reside in
the U.S. or one of its territories, and have a U.S. mailing address. For all other account types, each non-U.S. resident acting as Agent must provide a
clear photocopy of the inside pages of a current passport, including photo, signature, and personal information.
Agent
As required by federal law, Schwab and Schwab Bank will use the information provided to verify your identity.
Mailing Address (Include mailing address if different from home/legal address. P.O. boxes may be used.)
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ID Number and Type (Please select only one box and provide the relevant information below.)
Passport Driver's License Gov't-Issued ID
Identification Number Country of Issuance State of Issuance (if applicable) Issue Date (mm/dd/yyyy) Expiration Date (mm/dd/yyyy)
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4. Agent Signatures
By signing below, the Agent certifies that he/she has carefully read and understands the provisions of this Trading and Withdrawal Authorization,
including the Trading and Withdrawal Authorization and Agreement ("Agreement"), and agrees to the terms therein. The Agent understands that
he/she has the right to resign as Agent at any time by providing written notice to Schwab or Schwab Bank, and that Agent's resignation with respect
to any linked Account and Investor Checking account will apply to both accounts. The Agent agrees to indemnify and hold Schwab and its
predecessors, successors, officers, directors, employees, agents, representatives, parent companies, affiliates, assigns, and attorneys harmless
from and against any and all claims, judgments, taxes, fines, penalties, damages, liabilities, costs, and expenses (including but not limited to
attorneys' and expert witness fees) incurred by Schwab or Schwab Bank as a result of any claim, judgment, or proceeding arising out of or
connected in any manner whatsoever to Schwab or Schwab Bank's reliance on this Trading and Withdrawal Authorization and Agreement and the
representations and warranties contained herein.
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, page 4, of the Trading and Withdrawal Authorization and Agreement.
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actions, including money movements, my Agent may take with respect to my Account(s) or Investor Checking account, if applicable. If I have questions
about actions taken by my Agent, I will discuss my concerns with my Agent.
I authorize Schwab (and Schwab Bank, if applicable), and other persons to whom Schwab (or Schwab Bank) has given instructions in order to
implement my Agent's instructions, to rely on my Agent's instructions without obtaining my approval, countersignature or co-signature and to take
other actions necessary or incidental to the execution of such instructions. If I have named more than one Agent, I agree that each Agent may act
independently and without the consent of any other Agent. I understand that all authority granted to my Agent shall cease automatically upon Schwab
(or Schwab Bank, if applicable) receiving written notification from a licensed physician of my mental disability, incompetence, incapacity or death.
I agree to indemnify and hold Schwab and its predecessors, successors, officers, directors, employees, agents, representatives, parent companies,
affiliates, assigns, and attorneys harmless from and against any and all claims, judgments, taxes, fines, penalties, damages, liabilities, costs, and
expenses (including but not limited to attorneys' and expert witness fees) incurred by Schwab or Schwab Bank as a result of any claim, judgment, or
proceeding arising out of or connected in any manner whatsoever to Schwab or Schwab Bank's reliance on this Agreement and the representations
and warranties contained herein.
If this Trading and Withdrawal Authorization relates to a Trust account, each Trustee certifies that the Trust instrument authorizes the delegation of
authorities as indicated within this Trading and Withdrawal Authorization form and such delegation is not prohibited by the laws that govern the Trust.
FURTHERMORE, BY SIGNING THIS FORM, I ACKNOWLEDGE THAT THE ATTACHED TRADING AND WITHDRAWAL AUTHORIZATION AND
AGREEMENT RELATES TO MY ACCOUNT(S) AND IS PART OF (A) THE ACCOUNT AGREEMENT BETWEEN SCHWAB AND ME FOR MY BROKERAGE
ACCOUNT AND, IF APPLICABLE, (B) THE ACCOUNT AGREEMENT BETWEEN SCHWAB BANK AND ME FOR MY SCHWAB BANK INVESTOR
CHECKINGTM ACCOUNT. I ACKNOWLEDGE THAT I HAVE RECEIVED AND READ THE ATTACHED TRADING AND WITHDRAWAL AUTHORIZATION AND
AGREEMENT AND RETAINED A COPY FOR MY RECORDS AND THAT IT IS MY RESPONSIBILITY TO PROVIDE A COPY TO MY AGENT(S) IF I SO
DESIRE.
I understand that I am responsible for providing my Agent(s) with all agreements, disclosures and notices regarding my Account(s) and Investor
Checking account, if applicable, and this Trading and Withdrawal Authorization. I understand that I have the right to revoke or terminate this Trading
and Withdrawal Authorization at any time by providing written notice to Schwab or Schwab Bank, and that any revocation or termination of an
authorization with respect to a linked Account or Investor Checking account will apply to both the Account and linked Investor Checking account. I
understand that if I have a Schwab Bank Investor Checking account, I may contact or be contacted by Schwab or Schwab Bank regarding this Trading
and Withdrawal Authorization.
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, page 4, of the Trading and Withdrawal Authorization and Agreement.
✘
Signature: Additional Account Holder or Co-Trustee/Authorized Person Print Name Today's Date (mm/dd/yyyy)
✘
Signature: Additional Account Holder or Co-Trustee/Authorized Person Print Name Today's Date (mm/dd/yyyy)
8. Return Instructions
• Upload online with secure messaging (if you are an existing client and have online access to your Account).
1. Go to Schwab.com and log in to your Account.
2. Click the envelope icon to access Message Center, and then click Upload Document.
• Fax to 1-888-526-7252.
• Bring to your nearest Schwab branch (visit schwab.com/branch for locations).
Investment and Insurance Products: Not a Deposit • Not FDIC Insured • Not Insured by any Federal Government Agency • No Bank Guarantee • May Lose Value
Charles Schwab & Co., Inc. ("Schwab") and Charles Schwab Bank, SSB ("Schwab Bank") are separate but affiliated companies and subsidiaries of The
Charles Schwab Corporation. Brokerage products offered by Charles Schwab & Co., Inc., Member SIPC, are not insured by the FDIC, are not deposits
or obligations of Charles Schwab Bank, SSB, and are subject to investment risk, including possible loss of principal invested. Deposit and lending
products and services are offered by Charles Schwab Bank, SSB, Member FDIC and an Equal Housing Lender.
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(including equities and options); I will not rely Indemnification. I hereby ratify and confirm any Transfer Agent (LTA and FTA only). To induce
on Schwab for this purpose and, unless and all transactions, trades or dealings effected any transfer agent or other third party to act
(1) required by applicable law, or (2) a Schwab in and for my Schwab account by my Agent, and hereunder, I hereby agree that any transfer agent
representative gives advice directly to me or I agree to indemnify and hold harmless Schwab, or other third party receiving a duly executed
Agent that is clearly identified as a Schwab its affiliates, and their directors, officers, copy or facsimile of this Trading and Withdrawal
recommendation for me to enter into a employees and agents from and against all Authorization may act upon it, and that
particular transaction or to buy or sell a claims, actions, judgments, settlement amounts, revocation or termination hereof shall be
particular security, Schwab has no costs and liabilities, including attorneys' fees, ineffective as to such transfer agent or other
responsibility for any such determination; arising out of or relating to: third party unless and until actual notice or
• Schwab is not acting as a fiduciary; knowledge of such revocation or termination
• their reliance on this Trading and
shall have been received by such transfer agent
• I (and not Schwab) am responsible for Withdrawal Authorization;
or other third party, and I, for myself and for my
investigating and selecting Agent;
• Schwab's execution of Agent's instructions; and heirs, executors, legal representatives and
• Agent is not affiliated with or controlled or assigns, hereby agree to indemnify and hold
employed by Schwab, and Schwab has not • Schwab's execution of disbursement
harmless any such transfer agent or third party
approved, recommended or endorsed Agent; instructions received from Agent (FTA and
from and against any and all claims that may
Authorized Check User only).
• Agent, and not Schwab, is solely responsible arise against such transfer agent or other third
for determining if Agent is required to be Furthermore, I agree to indemnify and hold party by reason of such transfer agent or third
registered as an Investment Advisor with a Schwab harmless from, and to pay Schwab party having relied on this instrument.
state agency or the Securities and Exchange promptly upon demand for, any and all losses or
Assignment. This Trading and Withdrawal
Commission (SEC). Registration rules vary by financial obligations which may arise from the
Authorization supplements and in no way limits
state. I agree that it is Agent's responsibility, acts or omissions of the Agent with respect to
or restricts rights which Schwab may have under
and not Schwab's, to check his/her state's my Account. I also agree that since Schwab will
existing law or any other agreement with me.
applicable rules; not review, supervise or monitor trading by the
This Trading and Withdrawal Authorization will
• Unless required by applicable law, Schwab has Agent in my Account, Schwab will not be liable
bind my heirs, executors, administrators,
no duty to review, supervise or monitor any and I will not attempt to hold Schwab liable for
successors and assigns, and will benefit
investment decision, trading activity or any trade or decision made by the Agent whom I
Schwab's successors, affiliates and assigns.
transaction by Agent in my Account; and have selected, regardless of whether or not any
such trade or decision was specifically Governing Law. The laws of the state of
• Schwab reserves the right, in its sole
authorized by me. California (but not the choice of law doctrines),
discretion, to no longer honor instructions for
as applied to agreements signed and performed
Agent and will notify me if it chooses to do so. Termination of Authority. This Trading and
in California, shall apply and bind the parties in
In addition, I have investigated the business Withdrawal Authorization and indemnification
any and all questions arising under this Trading
experience, qualifications and reputation of my will remain in effect until Schwab is notified in
and Withdrawal Authorization, including
Agent and am satisfied with the experience, writing of my death, mental disability,
questions of validity, interpretation and
qualifications and reputation of my Agent. incompetence or incapacity; until I have revoked
performance, except that the arbitration
it by written notification; or until my Agent has
I understand that Schwab has not provided any agreement in Section 4 shall be governed by the
resigned by written notification and such
advice to me regarding this Trading and Federal Arbitration Act.
notification is received by Schwab. Such
Withdrawal Authorization, and if there is revocation will not affect my obligations resulting Arbitration. I agree to the arbitration provisions
anything about this Trading and Withdrawal from transactions initiated prior to Schwab's in Section 4, which also includes required
Authorization that I do not understand, I should receipt of notice of revocation. arbitration disclosures.
consult with my attorney for an explanation.
Section 3. Agent's Terms and Conditions
The undersigned Agent and Charles Schwab & or offer legal or tax advice and is not in any way Agent's Relationship to Schwab. If appointed
Co., Inc. ("Schwab") agree that the authority responsible for reviewing, supervising or FTA or LTA, Agent hereby represents that he/she
conferred on the Agent by the Trading and monitoring any investment decision or trading is familiar with and has reviewed the investment
Withdrawal Authorization executed by the activity in a Account Holder's account. Account goals, guidelines and objectives of the Account
Account Holder shall be exercised in accordance Holder and Agent are responsible for Holder and will invest in a way that is consistent
with the following terms and determining the nature, potential value and with the Account Holder's stated goals and
conditions ("Agreement"): suitability for Account Holder of any particular objectives. Such Agent will not represent to
Authorization to Make Transactions in the investment strategy, transaction (including Account Holder that Schwab and Agent are
Account Holder's Account. Agent may give futures transactions) or security (including affiliated or have any relationship other than that
instructions and take actions with respect to the equities and options); Agent will not rely on described in this Agreement; that Schwab
Account pursuant to the Trading and Withdrawal Schwab for this purpose and, unless (1) required endorses or recommends the Agent; that
Authorization. Account Holder may revoke the by applicable law, or (2) a Schwab Schwab provides any advice other than that
Trading and Withdrawal Authorization at any time representative gives advice directly to Agent that described in this Agreement; that Schwab
by giving written notice to Schwab. Account is clearly identified as a Schwab participates in or reviews Agent's trading
Holder will have concurrent full authority at all recommendation for Agent to enter into a decisions; or that Schwab manages, supervises
times to take actions and place orders for the particular transaction or to buy or sell a or monitors trading in the Account.
Account. Agent agrees not to take any actions that particular security, Schwab has no responsibility
Any Agent agrees to immediately notify Schwab
exceed the authority under the Trading and for any such determination.
of the Account Holder's death or any termination
Withdrawal Authorization or any other agreement Trade Confirmations and Account Statements. or revocation of the Trading and Withdrawal
between the Agent and the Account Holder. Unless the Account Holder directs otherwise, Authorization and/or modification of the Trading
Role of Charles Schwab & Co., Inc. Unless Schwab will not automatically send duplicate and Withdrawal Authorization; Agent also agrees
required by applicable law, Schwab will not trade confirmations and account statements to to notify Schwab of any incapacity,
make or review trading or investment decisions the Agent.
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incompetence or mental disability of the Account eligibility for the Account (and that of Account Indemnification. Agent agrees to indemnify and
Holder that would render the Trading and Holder's spouse, if Account Holder lives in a hold harmless Schwab, its affiliates and their
Withdrawal Authorization void. community property state) at account opening, directors, officers, employees and agents from
at any time throughout the life of the Account, and against all claims, actions, judgments,
Compliance with Applicable Law. Agent will
and thereafter for debt collection or settlement amounts, cost and liabilities,
comply with all applicable state and federal laws
investigative purposes. including attorneys' fees, arising out of or
(including the Investment Advisers Act of 1940
relating to:
and comparable state laws), rules and Monitoring of Conversations. Agent agrees that
regulations as they may be amended from time Schwab may, but is not obligated to, record • any breach by Agent of any provision of
to time, including, without limitation, making telephone calls to monitor the quality of service this Agreement;
such disclosure as may be required by Agent or Account Holder receives, to verify
• the performance or non-performance of the
applicable law, rule or regulation. securities transaction information or for any
Agent's services; and
other valid purpose. Agent acknowledges that
Agent further agrees that Agent, and not
Schwab may not be able to locate a tape • any dispute involving Agent and
Schwab, is solely responsible for determining if
recording unless Schwab is provided the date Account Holder.
Agent is required to be registered as an
and time of the conversation and the full name
Investment Advisor with a state agency or the Entire Agreement. This Agreement contains all
of the Schwab representative involved in the
Securities and Exchange Commission (SEC). of the agreements, representations and
conversation. Agent agrees that Schwab has the
sole right to determine how long tape recordings understandings made between Agent and
Registration rules vary by state. Agent agrees to
will be retained. Schwab. Schwab may amend the Agreement
check his/her state's applicable rules.
with advance notice to Agent.
Compliance with FINRA Rules of Fair Practice. Sale and Control of Restricted Securities (LTA
and FTA only). Assignment. Schwab may assign its rights and
Agent represents and warrants that, unless the
obligations under this Agreement to any
Agent has given Schwab written notice to the Before instructing Schwab to sell securities
subsidiary, affiliate or successor by merger or
contrary, Agent is not "associated" with a that are:
consolidation without notice to the Agent, or to
member of the Financial Industry Regulatory
• "restricted securities" or securities of an issuer any other entity after 30 days' written notice to
Authority, within the meaning of Article I(Q) of
of which Agent or the Account Holder is an Agent. Agent may not assign this Agreement
the FINRA bylaws. Agent agrees to give Schwab
"affiliate" (as those terms are defined in Rule without Schwab's prior written consent. This
prompt and written notice if Agent later
144 under the Securities Act of 1933), or Agreement is binding upon and will inure to the
becomes so associated in accordance with
benefit of each party's successors, heirs, legal
FINRA's Conduct Rule 3050 (formerly Section 28 • securities that are being sold in reliance on representative and permitted assigns.
of the Rules of Fair Practice). Rule 701 or Rule 145 under such Act, or
Waivers. The failure of either party at any time to
Information. Agent will provide promptly any • securities of which the Account Holder or the require performance by the other party of any
information reasonably requested by Schwab Agent and the issuer or its underwriter have provision of this Agreement will not affect in any
concerning the management of the Account or entered into an agreement restricting the way the right to require such performance at any
compliance with this Agreement. If questions transferability of such securities, time thereafter. The waiver by either party of a
arise concerning compliance with any law,
Agent agrees to tell Schwab the status of such breach of any provision hereof will not be taken
whether federal or state, Agent will take any
securities and promptly furnish whatever or held to be a waiver of the provision itself.
action believed by Schwab to be necessary to
ensure compliance with applicable law. This information and documents (including opinions Governing Law. The laws of the state of
provision shall not be read to imply that Schwab of legal counsel, if requested) that Schwab California (but not the choice of law doctrines),
has any duty to supervise or monitor Agent's requests in order to comply with its as applied to agreements signed and performed
management of Account Holder's accounts or regulatory duties. in California, shall apply and bind the parties in
compliance with applicable law. Agent Agent agrees not to hold Schwab liable for any and all questions arising under this Trading
represents and warrants that all information delays in the sale or settlement of such and Withdrawal Authorization, including
Agent provides to Schwab in this Agreement, or securities, or the release of proceeds from such questions of validity, interpretation and
otherwise at any time, is true, accurate and sale resulting from the failure of the issuer's performance, except that the arbitration
complete. If any information Agent furnishes to counsel to issue in a timely manner or to agreement in Section 4 below shall be governed
Schwab becomes materially inaccurate, false, or approve any necessary legal opinion, or any by the Federal Arbitration Act.
otherwise misleading, Agent agrees to notify other action or failure to act of any person or
Schwab promptly and take such action as is Arbitration. Agent agrees to the arbitration
entity other than Schwab. provisions in Section 4, which also includes
necessary to revise such information.
Agent agrees not to tender any such securities required arbitration disclosures.
Verification. Agent authorizes Schwab to inquire as collateral for an obligation the Account
from any source, including a consumer reporting Holder owes Schwab, unless Agent first obtains
agency, as to Agent's identity (as required by Schwab's prior written consent.
federal law), creditworthiness and ongoing
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©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
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©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
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Investment and Insurance Products: Not a Deposit • Not FDIC Insured • Not Insured by any Federal Government Agency • No Bank Guarantee • May Lose Value
Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB are separate but affiliated companies and subsidiaries of The Charles Schwab
Corporation. Brokerage products are offered by Charles Schwab & Co., Inc., Member SIPC. Deposit and lending products and services are offered by
Charles Schwab Bank, SSB, Member FDIC and an Equal Housing Lender.
©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
©2024 Charles Schwab Bank, SSB ("Schwab Bank"). All rights reserved. Member FDIC. Equal Housing Lender.
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©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
©2024 Charles Schwab Bank, SSB ("Schwab Bank"). All rights reserved. Member FDIC. Equal Housing Lender.
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