Schwab Bank High Yield Investor Checking Account | Page 1 of 2 Schwab Bank High Yield Investor Checking® Account Open a Schwab Bank High Yield Investor Checking account linked to a Schwab One® brokerage account and enjoy checking with a real difference. Automatically linked to a Schwab One brokerage account, at no cost Schwab Bank High Yield Investor Checking accounts must be linked to Schwab One brokerage accounts. When you open a High Yield Checking account linked to a Schwab One brokerage account, there are no minimum balance or trade requirements and no monthly service charges for the brokerage account. No ATM fees and no monthly service fees Receive unlimited ATM fee rebates when you get cash from ATMs worldwide. 1 A competitive interest rate and free features Earn a competitive interest rate regardless of your balance. And save money with our free online Schwab Bank Bill Pay™ service and standard checks. FDIC insurance Get FDIC insurance protection up to $250,000 for your checking balances. 2 Easy ways to move money into your account Transfer money online between your High Yield Checking account and: •Your Schwab Bank High Yield Investor Savings®account(s) •Your Schwab One brokerage account or other High Yield Checking accounts •Your accounts at other U.S. financial institutions Use our automated phone service to transfer money between your High Yield Checking and any of your Schwab Bank accounts. Direct deposit all or part of your monthly paycheck automatically. Deposit checks by mail using convenient prepaid envelopes and deposit slips. Brokerage Products: Not FDIC-Insured • No Bank Guarantee • May Lose Value Checking accounts offered by Schwab Bank are FDIC-insured.
Transcript
Schwab Bank High Yield Investor Checking Account | Page 1 of 2
Schwab Bank High Yield Investor Checking® Account
Open a Schwab Bank High Yield Investor Checking account linked to a Schwab One® brokerage account
and enjoy checking with a real difference.
Automatically linked to a Schwab One brokerage account, at no cost
Schwab Bank High Yield Investor Checking accounts must
be linked to Schwab One brokerage accounts. When you
open a High Yield Checking account linked to a Schwab
One brokerage account, there are no minimum balance or
trade requirements and no monthly service charges for
the brokerage account.
No ATM fees and no monthly service fees
Receive unlimited ATM fee rebates when you get cash from ATMs worldwide. 1
A competitive interest rate and free features
Earn a competitive interest rate regardless of your balance. And save money with our free
online Schwab Bank Bill Pay™ service and standard checks.
FDIC insurance Get FDIC insurance protection up to $250,000 for your checking balances.2
Easy ways to move money into your account
Transfer money online between your High Yield Checking account and:
Next steps Open your High Yield Checking account today:4
Call 1-888-303-0310.
Visit a Schwab branch near you.5
Go toschwab.com/checking.
1UnlimitedATMfeerebatesapplytocashwithdrawalsusingtheSchwabBankVisaPlatinumdebitcard(alsoreferredtoasa“checkcard”or“Visacheckcard”)whereveritisaccepted.ATMfeerebatesdonotapplytoanyfeesotherthanfeesassessedforusinganATMtowithdrawcashfromyourSchwabBankaccount.SchwabBankmakesitsbestefforttoidentifythoseATMfeeseligibleforrebate,basedoninformationitreceivesfromVisaand ATM operators. In the event that you have not received a rebate for a fee that you believe is eligible, please call a Schwab Bank Client Service Specialistforassistanceat1-888-403-9000.SchwabBankreservestherighttomodifyordiscontinuetheATMfeerebateatanytime.
2 Funds deposited at Charles Schwab Bank are insured, in aggregate, up to $250,000 based on account ownership type, by the Federal Deposit InsuranceCorporation(FDIC).
3 Overdraft protection using margin sources may create a margin loan in your Schwab One brokerage account that may be subject to daily interest charges,margincalls,orpotentialliquidationofsecurities.RefertotheSchwabBankDepositAccountAgreementandSchwabOneAccountAgreement for further details.
4 Schwab Bank High Yield Investor Checking® accounts are currently available for individual and joint registrations, as well as for living trust accounts whereallofthebeneficiariesareindividuals,butnotfororganizations,corporations,ornon-individualentities.
5 Schwab Bank deposits are accepted only at Schwab Bank branches. Please see the Schwab Bank Deposit Account Agreement for details on making deposits directly into your High Yield Investor Checking account.
CharlesSchwab&Co.,Inc.andCharlesSchwabBankareseparatebutaffiliatedcompaniesandsubsidiariesofTheCharlesSchwabCorporation.Brokerage products, including the Schwab One brokerage account, are offered by Charles Schwab & Co., Inc., Member SIPC. Deposit and lending products and services, including the Schwab Bank High Yield Investor Savings® account, are offered by Charles Schwab Bank, Member FDIC and an Equal Housing Lender.
The form you requested follows this page. You can either complete it on your computer and
then print it out, or print it out first and fill it in by hand.
Follow these easy steps to complete your form:
1. Scroll down and type the requested information in the corresponding field. Name (First)
John
• You can move among the fields by using your mouse or the “Tab” key.
• If you’d like to clear all the fields you’ve completed, click the CLEAR button.
2. When you’ve completed the form, click the PRINT button.
Please note: Adobe® Reader® does not allow you to save your work. It’s very
important that you print out your form immediately after completing it.
3. When your form is complete, please review, sign and date it, and either:
• Bring it to your nearest Schwab branch, excluding Delaware and New Mexico
(Visit schwab.com/branch to find the one nearest you.)
– or –
If you live in: If you live in:AK, AZ, CA, CO, HI, IA, ID, KS, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WY, Armed Forces America or Armed Forces Pacific
AL, AR, CT, DC, DE, FL, GA, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VI, VT, WI, WV, Armed Forces Europe, American Samoa, Guam, Marshall Islands, Northern Mariana Islands or Puerto Rico
Mail to: Mail to:Standard:Charles Schwab BankP.O. Box 52114Phoenix, AZ 85072-2114Overnight:Charles Schwab Bank2423 E. Lincoln DrivePhoenix, AZ 85016
Standard:Charles Schwab BankP.O. Box 628291Orlando, FL 32862-8291Overnight:Charles Schwab Bank1958 Summit Park Drive, Suite 200Orlando, FL 32810
Funding your account:
If you are initially funding your Schwab Bank High Yield Investor Checking® account by check, the check should be made payable to you and mailed to Charles Schwab Bank at one of the addresses above.
For a Schwab Bank High Yield Investor Checking Trust account, please make the check payable to the name of the Trust and mail to Charles Schwab Bank at one of the addresses above.
Should you have any questions or need help, just call 1-800-435-4000.
Account Application for Existing Schwab One® Brokerage Account Holders
•UsethisapplicationtoestablishaSchwabBankHighYieldInvestorChecking(“HighYieldInvestorChecking”)accountwithCharlesSchwabBank(“SchwabBank”)andlinkittoyourexistingSchwabOneBrokerage(“Brokerage”)accountheldatCharlesSchwab&Co.,Inc.(“Schwab”). All account holders must be either U.S. citizens or U.S. resident aliens, and must also reside in the U.S. or one of its territories and provide a U.S. mailing address.
•Important Note about Power of Attorney (POA): If you have appointed a POA or designated beneficiaries on your existing Brokerage account, contact Schwab for the required forms to apply your POA or Designated Beneficiary Plan to your linked High Yield Investor Checking account. Your High Yield Investor Checking account cannot be established until Schwab receives this paperwork.
SocialSecurity/TaxIDNo. DateofBirth(mm/dd/yyyy) Mother’s Maiden Name
ID Number
_________________________________ Driver’s License State Military
Place of Issuance ExpirationDate(mm/dd/yyyy)
Areyouknownbyanothername?Specify:
Country(ies)ofCitizenship(Mustlistall.)
USA Other:______________ Other: ______________
CountryofLegalResidence
USA Other:__________
Employer Occupation/Position
Business Street Address City State Zip Code
CharlesSchwab&Co.,Inc.andCharlesSchwabBankareseparatebutaffiliatedcompanies and subsidiaries of The Charles Schwab Corporation. Brokerage productsareofferedbyCharlesSchwab&Co.,Inc.,memberSIPC.DepositandlendingproductsandservicesareofferedbyCharlesSchwabBank,memberFDICand an Equal Housing Lender.
Payment FeaturesIfyouhaveexistingpaymentfeatures(checks,debitcards,SchwabBillPay®)onyourBrokerageaccount,theywillbecomeinactiveafteryourSchwabBankHighYieldInvestorChecking®accountisopened.Checkcardswillbedeactivated30daysfromaccountopening.Checks and Schwab BillPay will be deactivated90daysfromaccountopening.
4. Schwab Bank High Yield Investor Checking Features
Schwab Bank Bill PayThisonlineelectronicbillpaymentfeatureisprovidedunlessyouchecktheboxbelow.Thefeatureisprovidedatnoadditionalchargeandwillbeactivatedafteryoufundyouraccount.
†OverdraftprotectionusingmarginsourcesmaycreateamarginloaninyourBrokerageaccountthatmaybesubjecttodailyinterestcharges,margincallsorpotentialliquidationofsecurities.RefertotheSchwab Bank Deposit Account AgreementandyourSchwab One Account Agreement for details.
5. Fund Your Schwab Bank High Yield Investor Checking Account (Select one.)
Makeaone-timeelectronicfundstransfer(“ACHTransfer”)of$_____________________(maximum$100,000)fromyourcheckingorsavingsaccountatanotherfinancialinstitution. Owners of the account at the other financial institution must match the owners of your High Yield Investor Checking account. Be sure to attach an original, preprinted, voided check or preprinted savings account deposit slip if you select this option.
ALL ACCOUNT HOLDERS MUST SIGN AND DATE BELOW IN BLUE OR BLACK INK ONLY. TheIRSdoesnotrequiremyconsenttoanyprovisionofthisdocumentotherthanthecertificationrequiredtoavoidback-upwithholding.
Signature(s) and Date(s) Required
XAccount Holder Signature Print Name Date
XAdditional Account Holder Signature Print Name Date
6. Schwab Bank High Yield Investor Checking® Account TermsTheseaccounttermsareanagreementbetweenCharlesSchwabBank(the“Bank”)andeachaccountholderforaHighYieldInvestorCheckingaccount.“I,”“me”and“my”refertoeachaccountholder.Allaccountholdersarerequiredtosign.Bysigning,I:
(1)certifythatIamoftheageofmajorityinthestateinwhichIlive,thatIamlegallyauthorizedtoenterintothisagreementandthat the personal information provided in this application,andduringtheapplicationprocess,istrueandcorrect;
(2) acknowledge that the Bank will provide me with the following documents before account opening or before a service is provided: (a) the Schwab Bank Deposit Account Agree-ment, which contains an arbitration provision and the Terms and Conditions for the SchwabBankBillPayservice;(b)SchwabBank’s A Commitment to Your Privacy; (c) Important Privacy Choice for Consumers, for Californiaresidentsonly;and(d)theSchwab Bank Deposit Account Pricing Guide;
(3) acknowledge that if the application is approved,eachaccountholderwillreceiveaVisa®PlatinumDebitCardoncetheaccountisfundedandtheVisaDebitCardAgreement,whichcontainsthetermsandconditionsthatapplytothiscard;
(5)agreetobesubjecttothetermsandconditions of all documents associated with myHighYieldInvestorCheckingaccountuponaccountopening,andacknowledgethat the Bank advises me to read all the disclosure documents prior to opening or usingmyaccount;
(6)acknowledgethatmyHighYieldInvestorCheckingaccountislinkedwithmyBroker-age account maintained at Charles Schwab &Co.,Inc.,aregisteredbroker-dealer,andIauthorizeCharlesSchwab&Co.,Inc.tofollow the instructions set forth in this application,ifapplicable;
(7)authorizetheBanktoinitiateaone-timedebitentry(orcreditentryincaseoferror)totheinstitutionandaccountspecifiedbymyattached voided check or savings account depositslip,electronicallyorbyother
commerciallyacceptedmethod,toinitiallyfundmyHighYieldInvestorCheckingaccount;Icertifythattheinformationprovided on the voided check or savings account deposit slip is correct and that I am authorizedtotransferfundsfromthespecifiedaccount;IalsounderstandthattheownerslistedonthespecifiedaccountthatwillbedebitedmustmatchtheownersofmyHigh Yield Investor Checking account;
(8)authorizetheBanktoinquirefromanysource,includingaconsumerreportingagency,astomyidentity(asrequiredbyfederallaw),creditworthinessandongoing eligibilityfortheaccountandotherinformationataccountopening,atanytimethroughoutthelifeoftheaccount,andthereafterfordebt collection or investigative purposes; and
(9)understandifnoactivityoccursintheaccountwithinthetimeperiodspecifiedbyapplicablestatelaw,theaccountmaybetransferred to the appropriate state.
I certify under penalty of perjury that (1) the primary account holder’s number shown on this application is my correct taxpayer identification number; (2) I am not subject to back-up withholding because (a) I am exempt from back-up withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to back-up withholding as a result of a failure to report all interest and dividends, or (c) the IRS has notified me that I am no longer subject to back-up withholding; and (3) I am a U.S. person (a U.S. citizen or U.S. resident alien). (I understand that if I have been notified by the IRS that I am subject to back-up withholding as a result of dividend or interest underreporting and I have not received a notice from the IRS advising me that back-up withholding is terminated, I must strike or cross out the information contained in item 2 above.)
Werespectyourprivacy.SchwabBankwillusethepersonalidentificationandaccountinformationprovidedinthisapplicationandthatyoupreviouslyprovidedtoSchwabtoopenandserviceyouraccounts,communicatewithyou,andprovideinformationaboutproductsandservices.SchwabBankdoesnotconsideryourmaritalstatuswhenprocessingyourHighYieldInvestorCheckingaccountapplication.Formoreinformationonprivacypolicies,readaboutourprivacypolicyinSchwabBank’s A Commitment to Your Privacybooklet.Asrequiredbyfederallaw,wewillusetheinformationyouprovidetoSchwabtoverifyyouridentity.
FOR CHARLES SCHWAB BANK USE ONLY:Schwab Bank High Yield Investor Checking Account Number
Schwab Bank High Yield Investor Checking® Account Application Agreement and LinkingAuthorization
These terms relate to your account and are part of the Account Agreement between each account holder, Charles Schwab Bank (“Schwab Bank”) and Charles Schwab & Co., Inc. (“Schwab”). Please read and retain for your files.
Linking Authorization
IfyoulinkyourBrokerageaccounttoaHighYield Investor Checking account held at Schwab Bank,youauthorizeSchwabtoacceptandfollow instructions received from Schwab Bank totransferfundsfromyourBrokerageaccounttoyourHighYieldInvestorCheckingaccountassetforthinyourSchwab Bank High Yield Investor Checking Account Application and Schwab Bank Deposit Account Agreement. The provisions of the Agreement and Disclosures relating to checksanddebitcardswillnotapplytotheservices received from Schwab Bank.YouauthorizeSchwabtoactasyouragentinprocessing those instructions from Schwab Bank. You understand and agree that Schwab hassolediscretiontoacceptordeny,inwholeorinpart,anysuchinstruction.YoualsoagreethatSchwabisnotresponsibleforanyerrorsincalculation or damages resulting from errors in calculationsordelaysintransfers.InnoeventwillSchwabbeliableforanyspecial,indirectorconsequentialdamages,evenifwehavebeeninformedofthepossibilityofsuchdamages.YouauthorizeSchwabtoactuponyourrequestsforReal-TimeFundsTransfers(asdefinedinthe
Schwab Bank Deposit Account Agreement) from SchwabBank.ThemaximumamountyoumaytransferwillbecalculatedinthesamewaythatSchwabcalculatestheAuthorizationLimitforbrokerage checkwriting privileges as set forth in the Schwab One® Account Agreement.ByrequestingaReal-TimeFundsTransfer,youunderstandthatyoumaycreateamarginloaninyourBrokerageaccountthatmaybesubjecttodailyinterestcharges.Inorderfortransferstooccur,bothyourHighYieldInvestorCheckingaccountandyourBroker-age account must be open and active and linked with each other. Target Balance Transfers will be limitedtoyourAuthorizationLimit(asdescribedin the Schwab One Account Agreement),excludingyourAvailableMarginLoanValue(asdefinedintheSchwab One Account Agreement). OverdraftTransferswillbelimitedtoyourAuthorizationLimit.Ifyouhaveadebitbalanceinyouraccount,Target Balance Transfers will not be made to yourHighYieldInvestorCheckingaccount.Pending securities trades (including the AutomaticInvestmentPlan[AIP]),pendingdebits
toyouraccount,andpendingtransfersoffundsfromyouraccountmaynotbeconsideredindetermining whether funds are available for transferfromyouraccounttoyourHighYieldInvestor Checking account at Schwab Bank. Further,transfersoffundsfromyouraccountaresubjecttoSchwab’sminimumdepositrequirements.YouandyouraccountmaynothaveanyrestrictionspreventingSchwabfromusingfundsinyouraccounttosatisfyatransferinstructionfromSchwabBank.Ifyouraccountbecomessubjecttoarestriction,youreligibilityforthisfeaturemayberevoked,andyouunderstandthatSchwabBankmaycloseyourHigh Yield Investor Checking account.TransferstoSchwabBankmayresultindebitsinyouraccount.Youacknowledgethatyouareresponsible for all debits (and interest on debits) inyouraccount,asdescribedinfurtherdetailinthe Agreement and Disclosures. Your account remainsanobligationsolelyofSchwab.Likewise,yourHighYieldInvestorCheckingaccountremainsanobligationsolelyofSchwabBank.
These terms relate to your account and are part of the Schwab Bank Deposit Account Agreement between each account holder and Charles Schwab Bank (“Schwab Bank”). Please read and retain for your files.
These account terms are an agreement between CharlesSchwabBank(the“Bank”)andeachaccount holder for a High Yield Investor Checkingaccount.“I,”“me”and“my”refertoeach account holder. I:(1)certifythatIamoftheageofmajorityinthe
stateinwhichIlive,thatIamlegallyauthorizedtoenterintothisagreementandthat the personal information provided in this application,andduringtheapplicationprocess,istrueandcorrect;
(2) acknowledge that the Bank will provide me with the following documents before account opening or before a service is provided: (a) the Schwab Bank Deposit Account Agree-ment, which contains an arbitration provision and the Terms and Conditions for the SchwabBankBillPayservice;(b)SchwabBank’s A Commitment to Your Privacy; (c) Important Privacy Choice for Consumers, for Californiaresidentsonly;and(d)theSchwab Bank Deposit Account Pricing Guide;
(3) acknowledge that if the application is approved,eachaccountholderwillreceive
(5)agreetobesubjecttothetermsandconditions of all documents associated with myHighYieldInvestorCheckingaccountuponaccountopening,andacknowledgethatthe Bank advises me to read all the disclosure documents prior to opening or usingmyaccount;
(6)acknowledgethatmyHighYieldInvestorCheckingaccountislinkedwithmyBroker-age account maintained at Charles Schwab &Co.,Inc.,aregisteredbroker-dealer,andIauthorizeCharlesSchwab&Co.,Inc.tofollow the instructions set forth in this application,ifapplicable;
attached voided check or savings account depositslip,electronicallyorbyothercommerciallyacceptedmethod,toinitiallyfundmyHighYieldInvestorCheckingaccount;Icertifythattheinformationprovided on the voided check or savings account deposit slip is correct and that I am authorizedtotransferfundsfromthespecifiedaccount;IalsounderstandthattheownerslistedonthespecifiedaccountthatwillbedebitedmustmatchtheownersofmyHigh Yield Investor Checking account;
(8)authorizetheBanktoinquirefromanysource,includingaconsumerreportingagency,astomyidentity(asrequiredbyfederallaw),creditworthinessandongoing eligibilityfortheaccountandotherinformationataccountopening,atanytimethroughoutthelifeoftheaccount,andthereafterfordebt collection or investigative purposes; and
(9)understandifnoactivityoccursintheaccountwithinthetimeperiodspecifiedbyapplicablestatelaw,theaccountmaybetransferred to the appropriate state.
Schwab Bank High Yield Investor Checking Account Terms
WB
Client Copy
Regulation E—Electronic Funds Transfer DisclosureThis disclosure applies to your account if you elected to fund your Schwab One® account using Schwab MoneyLink® electronic funds transfer, or if you elected to fund your Schwab Bank High Yield Investor Checking® account using either a one-time electronic funds transfer from your checking or savings account at another financial institution or a one-time transfer from your Schwab One brokerage account. A complete Electronic Funds Transfer Disclo-sure statement applicable to each account will be provided to you with your account agreements after account opening.
Unless otherwise noted, throughout this disclosure “we,” “us,” and “our” mean both Charles Schwab & Co., Inc. (“Schwab”) and Charles Schwab Bank (“Schwab Bank”).
Business DaysSchwab’s business days, applicable to your Schwab One brokerage account, are Monday through Friday, excluding U.S. stock exchange holidays and U.S. banking holidays. Schwab Bank’s business days, applicable to your High Yield Investor Checking account, are Monday through Friday, excluding Federal Reserve Bank holidays. If a funds transfer is scheduled for a day other than a business day, we will make it on the following business day.
Consumer’s liability for Unauthorized transfers Tell us at once if you believe an unauthorized person has transferred or may transfer money from your account without your permission. You can notify us by calling or writing Customer Service: For your Schwab One brokerage account: Call: 1-877-560-8811Write: Charles Schwab & Co., Inc.
Attn: MoneyLink Support Services 211 Main Street San Francisco, CA 94105
For your Schwab Bank High Yield Investor Checking account:Call: 1-888-403-9000Write: Charles Schwab Bank
P.O. Box 4987 Greenwood Village, CO 80155-4987
Telephoning immediately is the best way of minimizing your possible losses.Losses could include the money in your account plus, in the case of your Schwab Bank High Yield Investor Checking account, any advances or transfers from an overdraft source linked to your account. If unauthorized activity occurs, you agree to cooperate during the investigation and to complete any report or affidavit we may request. Also, if your statement shows transfers that you didn’t make or authorize, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason kept you from telling us (such as a long trip or hospital stay), we will extend the time periods.
Disclosure of Account informationWe may disclose your name and/or information about your account or your transactions to our agents and affiliates in order to facilitate your transfer requests. We may also disclose such information to third parties in certain circum-stances, which may include: (a) to banks and
other entities that are involved with the products or services we offer or arrange on behalf of customers; (b) when it’s requested by a third party to complete a transaction; (c) to verify the existence or condition of your account for a credit bureau or merchant; (d) to comply with a subpoena, court order or request from a government agency or law enforcement authority; (e) to evaluate your creditworthiness or our ability to collect any debt you owe us; or (f) if you give us your permission.In addition, for your Schwab One brokerage account, Schwab may disclosure such informa-tion (a) to mutual funds that are involved with the products or services we offer or arrange on behalf of customers and (b) pursuant to Rule 14b-1 under the Securities and Exchange Act of 1934, to companies in which you hold securi-ties, unless we receive your written objection.
periodic Statements Schwab will send you a monthly account statement for your Schwab One brokerage account unless there are no transfers in a particular month. In any case, you will get the statement at least quarterly.Schwab Bank will send you a statement each month for your Schwab Bank High Yield Investor Checking account.All electronic funds transfers posted to your account during the month are listed on your statement.
our liability for Failure to Make transfers If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We are not liable, for instance, if:• Through no fault of ours, you do not have
enough money in your account to make the transfer.
• In the case of your Schwab Bank High Yield Investor Checking account, the transfer would exceed the funds available under your overdraft protection option, if any.
• Your account is restricted (because of a court order or similar reason), and we are not permit-ted to make the transaction.
• Circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
• Any Automated Clearing House network or other third-party communication system from which we require information to complete transactions was not working properly.
There may be other exceptions permitted by law.
in Case of errors or Questions About your electronic Funds transfersIf you think your statement is wrong or if you need more information about a transfer listed on the statement, call or write us as soon as you can:For your Schwab One brokerage account:Call: 1-877-560-8811Write: Charles Schwab & Co., Inc.
Attn: MoneyLink Support Services 211 Main Street San Francisco, CA 94105
For your Schwab Bank High Yield Investor Checking account:Call: 1-888-403-9000Write: Charles Schwab Bank
P.O. Box 4987 Greenwood Village, CO 80155-4987
Fax: 1-720-785-8445We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.We need the following information: • your name and account number• a description of the error or the transfer you
are unsure about• a clear explanation of why you believe it is an
error or why you need more information, and • the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or ques-tion. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
Contact UsTo change your privacy preferences, provide us with updated information, report suspected fraud or iden-tity theft, or for any other questions, please call one of the numbers below.
Brokerage (Charles Schwab & Co., Inc.) customers including clients of independent investment advisors working with Schwab Advisor Services™Within the U.S.: 1-877-812-1817From outside the U.S.: +1-415-667-8400
Bank CustomersCharles Schwab Bank: 1-888-403-9000Charles Schwab Bank Mortgage and HELOC: 1-877-772-9065Charles Schwab Bank/Trust Company (Business Trust Division): 1-800-724-7526
International Services CustomersCharles Schwab, Hong Kong, Ltd.: +852-2101-0500International customers in all other countries: +1-415-667-8400
Corporate Plan RelationshipsSchwab Retirement Plan Services, Inc.: 1-800-724-7526Stock Plan Services: 1-800-654-2593Schwab Retirement Plan Services Company: 1-888-283-2416
If you are uncertain which number is right for you, or if you have questions or concerns, call 1-877-812-1817, contact us by email at [email protected], or check the website(s) you use.
A Commitment to Your Privacy
Your Privacy Is Not for SaleSchwab does not and will not sell your personal information to anyone, for any reason.
Effective July 1, 2010At The Charles Schwab Corporation and its affiliates and subsidiaries (“Schwab,” “us,” or “we”), we’re committed to protecting the privacy of information we maintain about you. Below are details about our commitment, including the types of information we collect, how we use and share that information, and your ability to limit certain information sharing. This Privacy Notice applies to customers; retirement, other employee benefit, or stock option plan partici-pants (“participants” includes beneficiaries under the plan and certain other employees); and other con-sumers with whom we have a relationship, as well as to former customers and participants. Throughout this Privacy Notice (for the purposes of this Privacy Notice only), “customers” includes retirement plan participants and other consumers with whom we have a relationship, unless specifically noted other-wise. The information we collect and how we may use it may vary depending upon the product, service, or Schwab affiliate involved. For example, Schwab may have an agreement or policy with investment advisors, employers, or plan sponsors that further limits the sharing of your personal information.
To learn more about our security measures and the measures you need to take, please click the Privacy link on the Schwab website(s) you use.
S.E.C. Rule 14b-1 Preference Unless we receive your objection, Schwab may be required under the provisions of Rule 14b-1 of the U.S. Securities and Exchange Act of 1934, as appli-cable, to release your name, address, and number of shares to the issuers of securities you hold through Schwab. If you object, you will not receive any corpo-rate communications from the issuer other than regulatory mailings required to be sent to all holders, which you will receive from us. If you wish to exercise this preference, please contact us at the number listed in the “Contact Us” section.
Charles Schwab, U.K., Limited CustomersCharles Schwab, U.K., Limited (“Schwab U.K.”) intro-duces residents of the United Kingdom or Switzerland to Charles Schwab & Co., Inc. (“Schwab U.S.”).
Schwab U.K. and Schwab U.S. process your personal information in accordance with the privacy policy of Schwab. In addition, our use of your personal data may be subject to various privacy laws of the United Kingdom, including the Data Protection Act 1998. When you open an account with Schwab U.S., you specifi-cally consent to your data being transferred outside of the European Economic Area and to Schwab’s use of your personal information in accordance with Schwab’s privacy policy, with the following exceptions:
• Schwabmayuseemailtocommunicatewithpro-spective customers, with their permission.
Charles Schwab, Hong Kong, Limited CustomersCharles Schwab, Hong Kong, Limited (“Schwab H.K.”) has contracted with Schwab U.S. to perform certain services for customers of Schwab H.K., such as execution, clearance, and settlement of trades, and custody of assets.
Schwab H.K. and Schwab U.S. process your personal information in accordance with Schwab’s privacy pol-icy. In addition, our use of your personal information may be subject to various privacy laws of Hong Kong, including the Hong Kong Personal Data (Privacy) Ordinance.
Charles Schwab Bank—Charles Schwab Trust Company, Schwab Funds®, Schwab ETFs™, and Laudus Funds® CustomersCharles Schwab Trust Company, a division of Charles Schwab Bank, and Schwab Funds, Schwab ETFs, and Laudus Funds, Schwab’s proprietary mutual funds and ETFs managed by Charles Schwab Investment Management, Inc., currently do not market to custom-ers or retirement and other benefit plan participants or share their personal information with any other party. Schwab Funds, Schwab ETFs and Laudus Funds cus-tomers are those individuals who invest directly in the Funds by placing orders through the Funds’ transfer agent, or distributor, rather than through a brokerage account, retirement plan account, investment advisor, or other financial intermediary.
Charles Schwab, U.K., Limited is authorised and regu-lated by the Financial Services Authority under refer-ence 225116. Charles Schwab, U.K., Limited is designated a foreign branch office of Charles Schwab & Co., Inc.
Charles Schwab, Hong Kong, Limited is registered with the Securities and Futures Commission to carry out the regulated activities in dealing in securities, advising on securities, and advising on futures contracts under registration CE number ADV256. For additional informa-tion, please call +852-2101-0500.
Independent investment advisors are not owned by, affiliated with, or supervised by Schwab.
Schwab Advisor Services™ (formerly Schwab Institutional®) serves independent investment advi-sors, and includes the custody, trading, and support services of Charles Schwab & Co., Inc.
How We Collect Information About YouWe collect personal information about you in a number of ways.
• Application and registration information. We col-lect personal information from you when you open an account, enroll in one of our services, or participate in a Schwab promotion. We may also receive personal information from your employer or retirement or other employee benefit plan spon-sor where Schwab has been hired to provide services to your company’s benefit, stock option, or similar plan. We may also collect information about you from third parties such as consumer reporting agencies to verify your identity, employ-ment, or creditworthiness, or to better understand your financial needs. The information we collect may include personal information, including your Social Security number, as well as details about your interests, investments, and investment experience.
• Transaction and experience information. Once your account has been opened, we collect and main-tain personal information about your account activity, including your transactions, balances, positions, and history. This information allows us to administer your account and provide the ser-vices you or your employer or plan sponsor have requested.
• Website usage. When you visit our websites, we may use devices known as “cookies,” graphic interchange format files (GIFs), or other similar web tools to enhance your web experience. These tools help us to recognize you, maintain your web session, and provide a more personalized experi-ence. To learn more, please click the Privacy link on the Schwab website(s) you use.
How We Share and Use Your Information Among Schwab AffiliatesThe term “Schwab” refers to a family of affiliated financial services companies that are owned by The Charles Schwab Corporation. These include, but are not limited to:
1. Charles Schwab & Co., Inc., a broker-dealer
2. Charles Schwab Bank, a retail bank, including Charles Schwab Trust Company, a division of Charles Schwab Bank
3. Charles Schwab, Hong Kong, Limited
4. Charles Schwab, U.K., Limited
5. Schwab Retirement Plan Services, Inc.
6. Schwab Retirement Plan Services Company
7. Charles Schwab Investment Management, Inc.
8. Charles Schwab Investment Advisory, Inc.
Schwab may share information we collect about you within our family of companies to help:
• Provideyouwithbetterserviceorperformserviceson your behalf;
• Respondtocommunicationsfromyou(orasyouauthorize or request);
• Makeitmoreconvenientforyoutoopenanewaccount.
At any time, you may instruct Schwab not to share information about you with our affiliates for certain purposes, as explained below under “How to Limit the Sharing and Use of Your Information.”
How We Share Your Information Outside of SchwabWe may share your information with outside compa-nies and other third parties in certain circumstances, including:
• Tohelpusprocesstransactionsforyouraccount;
• Whenweuseothercompaniestoprovideservicesfor us, such as printing and mailing your account statements;
• Whenwebelievethatdisclosureisrequiredorpermitted under law (for example, to cooperate with regulators or law enforcement, to resolve consumer disputes, to perform credit/authentication checks, or for risk control).
Certain Schwab affiliates and subsidiaries may also enter into a joint-marketing agreement with another financial institution in order to provide you with a Schwab-branded financial product or service.
How to Limit the Sharing and Use of Your InformationYou may choose to limit the information we share about you among our affiliates and joint-marketing partners for marketing purposes. If you choose to do so, Schwab will not share with our affiliates con-sumer reports and other personal information about you that may be used to determine your eligibility for credit (for example, information about your income, profession, or employment status); allow our affili-ates to market their financial products or services to you based on eligibility information they receive from another Schwab affiliate; or share personal informa-tion about you with an outside company for joint-marketing purposes. If you’d like to limit this information sharing, please contact us at the num-bers in the “Contact Us” section. You only need to contact us once, and your choice will be honored across all of Schwab.
• Yourchoicewillbeappliedtoyouasanindividualand will be automatically extended to all of your accounts at Schwab.
• Ifyouhaveajointaccount,youmaylimittheshar-ing of information on behalf of another account holder but only in relation to the joint account.
• Youmaychoosetolimittheinformationwesharewith affiliates at any time, and that choice will remain in effect until you tell Schwab to change it. If you have previously provided Schwab with this information with respect to your current accounts, you do not need to provide it again.
• Regardlessofyourchoice,pleasebeawarethatSchwab will continue to share information among our affiliates that identifies you (such as your name and Social Security number), as well as information about your transactions and experiences with us, to perform services on your behalf, to respond to communications from you, or, if you are a customer of an affiliate, to offer you products or services.
Schwab also allows you to limit marketing from the Schwab affiliate(s) with which you have a relation-ship. This is separate from your affiliate-sharing choice. You may do so by calling Schwab at the customer service number listed on your account state-ment. These preferences will remain in effect for at least five years, after which time Schwab may ask you to update those preferences and may contact you for marketing purposes.
State LawsSchwab will comply with state laws that apply to the disclosure or use of information about you. If you are a Vermont resident, we’ll automatically limit informa-tion sharing without your having to advise us of your privacy choice. Although all customers may request to be placed on Schwab’s internal “do not call” list at any time by calling 1-800-435-4000, if you are a Nevada resident, we are required to give you the following notice: At any time, you may request to be placed on our internal “do not call” list. You may do so by calling Schwab at the number listed in the “Contact Us” section. For more information about the Nevada “do not call” notice requirement, contact the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; phone: 1-702-486-3132; email: [email protected]. For further information about this notice, contact us at Charles Schwab & Co., Inc., Attn: “Privacy Program,” 211 Main Street, San Francisco, CA 94105; or call one of the numbers listed in the “Contact Us” section.
Safeguarding Your Information—Security Is a PartnershipWe take precautions to ensure the information we collect about you is protected, and is accessed only by authorized individuals who are trained regarding Schwab’s privacy and information safeguarding prac-tices. Schwab maintains physical, electronic, and procedural safeguards that comply with federal stan-dards to guard your nonpublic personal information.
2 3 4 5
Item # REG30608-10.indd Job # Page #
CS19152-01 1 of 12
Spellcheck: YesColor Seps: NoFold Dummy: No
Round 4 Last Modified 5-28-2013 12:51 PM
TEA
M
StudioPrev. Studio
Ceresi, JanisSuen, Allen
SET
up
Bleed None
CO
NTE
NT
Placed Graphics Inks
LOG-LocPrf-Bnk-BLK.eps (44%) BlackTraffic Mgr. Mehrin Momin Trim 3.375” x 7.5”
July 2013 please read this important information carefully.
Schwab Bank Deposit Account pricing Guide
Item # REG30608-10.indd Job # Page #
CS19152-01 2-1 of 12
Spellcheck: YesColor Seps: NoFold Dummy: No
Round 4 Last Modified 5-28-2013 12:51 PM
TEA
M
StudioPrev. Studio
Ceresi, JanisSuen, Allen
SET
up
Bleed None
CO
NTE
NT
Placed Graphics Inks
None BlackTraffic Mgr. Mehrin Momin Trim 3.375” x 7.5”
Art Director - Live None
Acct. Mgr. Janet Mize Fonts ITC Franklin Gothic Std (Book, Demi, Book Italic, Medium; OpenType)
Graphics Sally Lagman
DE
TAIL
S Job Type Litho
Mech Scale 100%
Output Size None
Customer Service Information:
Call Toll-Free: All Deposit Accounts:
1-888-403-9000
High Yield Investor Checking Account— Clients of investment advisors enrolled with Schwab Institutional®: 1-800-515-2157
Visit Our Website: High Yield Investor Checking Account:
www.schwab.com
High Yield Investor Checking Account— Clients of investment advisors enrolled with Schwab Institutional®: www.schwaballiance.com
High Yield Investor Savings Account— Clients who also have a Schwab Brokerage account: www.schwab.com
All Other Deposit Accounts: www.schwabbank.com
Written Inquiries: Charles Schwab Bank
P.O. Box 52083 Phoenix, AZ 85072-2083
Deposits/OCL and pAL payments: Charles Schwab Bank
P.O. Box 52114 Phoenix, AZ 85072-2114
or
Charles Schwab Bank P.O. Box 628291 Orlando, FL 32862-8291
Schwab Bank Bill pay™ Service: Schwab Bank Bill Pay Customer Service
P.O. Box 52114 Phoenix, AZ 85072-2114 1-888-297-7535
Item # REG30608-10.indd Job # Page #
CS19152-01 2-1 of 12
Spellcheck: YesColor Seps: NoFold Dummy: No
Round 4 Last Modified 5-28-2013 12:51 PM
TEA
M
StudioPrev. Studio
Ceresi, JanisSuen, Allen
SET
up
Bleed None
CO
NTE
NT
Placed Graphics Inks
None BlackTraffic Mgr. Mehrin Momin Trim 3.375” x 7.5”
Art Director - Live None
Acct. Mgr. Janet Mize Fonts ITC Franklin Gothic Std (Book, Demi, Book Italic, Medium; OpenType)
Graphics Sally Lagman
DE
TAIL
S Job Type Litho
Mech Scale 100%
Output Size None
1
IntroductionThis Schwab Bank Deposit Account Pricing Guide (“Guide”) applies to all deposit accounts and related services offered by Schwab Bank. It is part of the contract for your deposit relationship with us. For other terms and conditions governing your accounts, please see the booklet entitled Schwab Bank Deposit Account Agreement, which you received when you opened your account. You may request an additional copy of the Schwab Bank Deposit Account Agreement or this Guide by contacting Customer Service. Please review this entire booklet carefully. We may change this Guide at any time.
Section 1 of this Guide describes our deposit accounts and the fees, balance requirements, trans-action limits and other terms associated with each type of account. Section 2 of this Guide describes how we pay interest on your funds for interest- bearing accounts. Section 3 lists the fees for other related services that may apply to any account. For information about current interest rates, tiers and other services, please call Customer Service.
DefinitionsThroughout this booklet, the words “you,” “your” and “yours” refer to each account owner. “Schwab Bank,” “we,” “us” and “our” refer to Charles Schwab Bank and any vendor we may, in our sole discretion, involve in providing any service described herein (other than Charles Schwab & Co., Inc.). As used in this Guide, the terms listed below are defined as follows:
ACH: See Automated Clearing House.
Automated Clearing House: A funds transfer system, governed by the Operating Rules of the National Automated Clearing House Association, which pro-vides for interbank clearing of electronic transactions by participating financial institutions.
Average Daily Balance: The sum of your daily Ledger Balances for the month, divided by the number of calendar days in the month.
Business Day: Monday through Friday, excluding Federal Reserve Bank holidays.
Item # REG30608-10.indd Job # Page #
CS19152-01 2-3 of 12
Spellcheck: YesColor Seps: NoFold Dummy: No
Round 4 Last Modified 5-28-2013 12:51 PM
TEA
M
StudioPrev. Studio
Ceresi, JanisSuen, Allen
SET
up
Bleed None
CO
NTE
NT
Placed Graphics Inks
None BlackTraffic Mgr. Mehrin Momin Trim 3.375” x 7.5”
Art Director - Live None
Acct. Mgr. Janet Mize Fonts ITC Franklin Gothic Std (Book, Demi, Book Italic, Medium; OpenType)
Graphics Sally Lagman
DE
TAIL
S Job Type Litho
Mech Scale 100%
Output Size None
2
Check Conversion: A check that you have given to a payee (a merchant or a biller) that the payee has converted into an electronic transaction. This defini-tion does not include a check that you have given to a payee that has been returned unpaid and that the payee converts to an electronic transaction for the purpose of representing the item.
Debit Card: Refers to either a Schwab Bank Visa® Platinum Debit Card or a Schwab Bank Visa® Debit Card. Allows access to your account at Automated Teller Machines (ATMs) and lets you pay for purchases using a Point-of-Sale Debit.
Direct Deposit: An ACH credit entry to your account that you authorize. It is usually used to deposit funds owed to you (such as when you authorize your employer to credit your account for your payroll).
Electronic Debit: A charge to your account that you authorize and that includes Preauthorized Debits, Point-of-Sale Debits and Check Conversions.
Household: All members of an immediate family who reside at the same address. Immediate family mem-bers include: spouse, parents, stepparents, children, step children, siblings, stepbrothers, stepsisters, grandparents, grandchildren and in-laws.
Internet Banking: Refers to either (a) access to your High Yield Investor Checking account or your High Yield Investor Savings account (provided you also have a Schwab Brokerage account) at www.schwab.com; (b) for clients of investment advisors enrolled with Schwab Institutional®, access to your High Yield Investor Checking account or High Yield Investor Savings account (provided you also have a Schwab Brokerage account) at www.schwaballiance.com; or (c) access to your other Schwab Bank deposit accounts using our online banking service, available at www.schwabbank.com.
Ledger Balance: This is the preceding day’s ending balance, plus current day credits, minus current day debits.
Item # REG30608-10.indd Job # Page #
CS19152-01 2-3 of 12
Spellcheck: YesColor Seps: NoFold Dummy: No
Round 4 Last Modified 5-28-2013 12:51 PM
TEA
M
StudioPrev. Studio
Ceresi, JanisSuen, Allen
SET
up
Bleed None
CO
NTE
NT
Placed Graphics Inks
None BlackTraffic Mgr. Mehrin Momin Trim 3.375” x 7.5”
Art Director - Live None
Acct. Mgr. Janet Mize Fonts ITC Franklin Gothic Std (Book, Demi, Book Italic, Medium; OpenType)
Graphics Sally Lagman
DE
TAIL
S Job Type Litho
Mech Scale 100%
Output Size None
3
Legal Process: A subpoena, restraining order, injunction, writ of attachment or execution, levy, garnishment, tax withholding order, search warrant, forfeiture or other similar order.
Money Transfer: The movement of funds from one deposit account to another via electronic means; includes wire transfers, ACH transfers and direct transfers between accounts (including target balance transfers and overdraft protection transfers).
Monthly Service Charge: A monthly fee for services we provide to operate and maintain your account and keep it open and available to you.
Point-of-Sale Debit (POS): A charge to your account that you authorize when you use your Debit Card to make purchases at a merchant.
Preauthorized Debit: A charge to your account that you authorize that is made via the Automated Clearing House. It is usually used for recurring bill payments (such as when you authorize a utility company to debit your account in payment for your monthly bill).
Reno Office: Refers to the Reno Main Office of Charles Schwab Bank, located at 5190 Neil Road, Suite 100, Reno, NV 89502.
Schwab Brokerage: Refers to our affiliate, Charles Schwab & Co., Inc., a registered broker-dealer.
Statement Period: A period of time, of about one month, covered by an account statement. It may end on any Business Day during the month.
Item # REG30608-10.indd Job # Page #
CS19152-01 4-5 of 12
Spellcheck: YesColor Seps: NoFold Dummy: No
Round 4 Last Modified 5-28-2013 12:51 PM
TEA
M
StudioPrev. Studio
Ceresi, JanisSuen, Allen
SET
up
Bleed None
CO
NTE
NT
Placed Graphics Inks
None BlackTraffic Mgr. Mehrin Momin Trim 3.375” x 7.5”
Art Director - Live None
Acct. Mgr. Janet Mize Fonts ITC Franklin Gothic Std (Book, Demi, Book Italic, Medium; OpenType)
Graphics Sally Lagman
DE
TAIL
S Job Type Litho
Mech Scale 100%
Output Size None
4
1. Deposit Accounts
High Yield Investor Checking AccountThe Schwab Bank High Yield Investor Checking® (“High Yield Investor Checking”) account is a Schwab Bank checking account linked to a Schwab One® brokerage account (“Schwab One® account”) maintained at Schwab Brokerage. The linked accounts allow you to move funds between your High Yield Investor Checking account and your Schwab One® account. Fees appli-cable to your Schwab One® account are listed in the booklet entitled Charles Schwab Pricing Guide for Individual Investors, which you received when you opened your Schwab One® account. The High Yield Investor Checking account is a variable-rate, interest-bearing checking that comes with a Schwab Bank Visa® Platinum Debit Card and unlimited checkwriting privileges.
• Minimumopeningdeposit:$01 (In order to open a High Yield Investor Checking account, you must already have a Schwab One® account, or you must open a new Schwab One® account.)
• MonthlyServiceCharge:$0
High Yield Investor Savings AccountThe Schwab Bank High Yield Investor Savings® account (“High Yield Investor Savings”) is a variable-rate, interest-bearing savings account. Checks may not be written on this account, but there is limited Debit Card access.
• Minimumopeningdeposit:$01
• MonthlyServiceCharge:$0
• NumberofwithdrawalsortransfersbyATM,bymailor at the Reno Office allowed per Statement Period: Unlimited
• Totalnumberofotherdebittransactionsfrom your account per Statement Period: 6
Interest Checking AccountThis is a variable-rate, interest-bearing checking account.
• Minimumopeningdeposit:$01
• MonthlyServiceCharge:$0
Item # REG30608-10.indd Job # Page #
CS19152-01 4-5 of 12
Spellcheck: YesColor Seps: NoFold Dummy: No
Round 4 Last Modified 5-28-2013 12:51 PM
TEA
M
StudioPrev. Studio
Ceresi, JanisSuen, Allen
SET
up
Bleed None
CO
NTE
NT
Placed Graphics Inks
None BlackTraffic Mgr. Mehrin Momin Trim 3.375” x 7.5”
Art Director - Live None
Acct. Mgr. Janet Mize Fonts ITC Franklin Gothic Std (Book, Demi, Book Italic, Medium; OpenType)
Graphics Sally Lagman
DE
TAIL
S Job Type Litho
Mech Scale 100%
Output Size None
5
Interest Checking plus AccountThis is a variable-rate, interest-bearing checking account that comes with a Schwab Bank Visa® Platinum Debit Card and unlimited checkwriting privileges.
• Minimumopeningdeposit:$01
• MonthlyServiceCharge:$0
Basic Checking AccountRegular Checking AccountThese are two types of non-interest-bearing checking accounts.
• Minimumopeningdeposit:$01
• MonthlyServiceCharge:$0
Money Market Deposit AccountThis is a variable-rate, interest-bearing money market deposit account with limited checkwriting and Debit Card access.
• Minimumopeningdeposit:$0
• MonthlyServiceCharge:$0
• NumberofwithdrawalsortransfersbyATM,bymailor at the Reno Office allowed per Statement Period: Unlimited
• Totalnumberofotherdebittransactionsfromyouraccount per Statement Period: 6
Certificate of DepositThis account allows you to lock in a fixed interest rate on funds you agree to leave on deposit for a specific period of time, called a “term.” The interest rate is fixed for the term and is based on the rate in effect at the time you make the deposit.
• Minimumopeningdeposit:$1,000.00
• Transactionlimitations:Awithdrawaloranaddi-tional deposit is allowed at maturity during the grace period. Withdrawals prior to maturity may result in early withdrawal penalties. No early with-drawal penalty applies to withdrawals of interest during the term of the account.
• Renewalpolicy:Automaticallyrenewsunlesschanges are made during the grace period.
Item # REG30608-10.indd Job # Page #
CS19152-01 6-7 of 12
Spellcheck: YesColor Seps: NoFold Dummy: No
Round 4 Last Modified 5-28-2013 12:51 PM
TEA
M
StudioPrev. Studio
Ceresi, JanisSuen, Allen
SET
up
Bleed None
CO
NTE
NT
Placed Graphics Inks
None BlackTraffic Mgr. Mehrin Momin Trim 3.375” x 7.5”
Art Director - Live None
Acct. Mgr. Janet Mize Fonts ITC Franklin Gothic Std (Book, Demi, Book Italic, Medium; OpenType)
Graphics Sally Lagman
DE
TAIL
S Job Type Litho
Mech Scale 100%
Output Size None
6
Terms: You may choose a term from among those offered at the time you open or renew your account. Terms currently available are:
See your Schwab Bank Deposit Account Agreement for information about how we calculate interest, the early withdrawal penalty and other terms.
2. Interest on Your Funds
Interest-Bearing Checking, Savings and Money Market Deposit AccountsFunds in your High Yield Investor Checking, High Yield Investor Savings, Interest Checking, Interest Checking Plus, and Money Market Deposit accounts earn a variable interest rate. At our discretion, we may change your interest rate and annual percentage yield daily. We compound interest daily at the rate in effect for your end-of-day Ledger Balance. We credit interest to your account after the close of business on the last day of each Statement Period for your account. Your statement specifies the starting and ending days of the period.
We use the daily-balance method to calculate the interest on your account. The daily rate is 1/365 of the interest rate. This method applies a daily rate each day to the Ledger Balance in the account.
If you close your account before we credit any accrued interest, you receive the accrued interest up to the day that you close the account.
Interest Rate Tiers: The rate we pay on some accounts depends on the tier into which the end-of-day Ledger Balance in your account falls. A tier is a range of account balances. We may change the tiers that apply to an account at any time and will provide notice when required by law. Different tiers may apply to different types of accounts. Different rates may apply to different tiers.
Item # REG30608-10.indd Job # Page #
CS19152-01 6-7 of 12
Spellcheck: YesColor Seps: NoFold Dummy: No
Round 4 Last Modified 5-28-2013 12:51 PM
TEA
M
StudioPrev. Studio
Ceresi, JanisSuen, Allen
SET
up
Bleed None
CO
NTE
NT
Placed Graphics Inks
None BlackTraffic Mgr. Mehrin Momin Trim 3.375” x 7.5”
Art Director - Live None
Acct. Mgr. Janet Mize Fonts ITC Franklin Gothic Std (Book, Demi, Book Italic, Medium; OpenType)
Graphics Sally Lagman
DE
TAIL
S Job Type Litho
Mech Scale 100%
Output Size None
7
The tiers currently in effect for High Yield Investor Checking, High Yield Investor Savings, Interest Checking Plus and Money Market Deposit accounts are:
You may obtain current rates and tier information by calling Customer Service.
Certificates of DepositThe interest rate we pay on a certificate of deposit is fixed for the term at the time you open, renew or reinvest funds in your account. Your funds earn interest during the term of the account. Interest rates vary. Different rates may apply to different amounts or terms. Rates for new deposits may change daily. The rate in effect on the day you make your deposit remains fixed throughout the term. We compound interest daily at the rate in effect for your end-of-day Ledger Balance. We credit interest to your account monthly or pay it to you according to the interest disbursement option you select.
We use the daily-balance method to calculate the interest on your account. The daily rate is 1/365 of the interest rate. This method applies a daily rate each day to the Ledger Balance in the account.
The annual percentage yield that applies to your account assumes that interest will remain on deposit until maturity. Withdrawals will reduce earnings.
Item # REG30608-10.indd Job # Page #
CS19152-01 8-9 of 12
Spellcheck: YesColor Seps: NoFold Dummy: No
Round 4 Last Modified 5-28-2013 12:51 PM
TEA
M
StudioPrev. Studio
Ceresi, JanisSuen, Allen
SET
up
Bleed None
CO
NTE
NT
Placed Graphics Inks
None BlackTraffic Mgr. Mehrin Momin Trim 3.375” x 7.5”
Art Director - Live None
Acct. Mgr. Janet Mize Fonts ITC Franklin Gothic Std (Book, Demi, Book Italic, Medium; OpenType)
Graphics Sally Lagman
DE
TAIL
S Job Type Litho
Mech Scale 100%
Output Size None
8
Interest Rate Tiers: Higher interest rates may be offered for each term based on the amount depos-ited. The interest rate tiers currently in effect for this account are:
We may change these tier levels at any time and will provide notice when required by law. You may obtain current rates and tier information by calling Customer Service.
3. Fees for Related ServicesThis section includes additional fees that apply to our deposit accounts and related services. Other fees may be assessed for services not listed here.
use of ATMs We do not charge any fees for use of any ATM machine. If you use a machine that is not a Schwab Bank ATM, you may be charged a fee by the ATM operator or any network used. This may include a fee for a balance inquiry even if you do not complete a withdrawal or other monetary transaction.
For the following accounts, we refund fees charged by ATM operators when you use your Schwab Bank Debit Card for ATM cash withdrawals. The rebate will appear as a lump-sum credit on the same checking account periodic statement that includes ATM fees incurred for that account statement cycle.
For the following accounts, we offer a rebate on fees assessed by others for ATM cash withdrawals, forthefirstsixtransactions,uptoatotalof$9.00per Statement Period:
None BlackTraffic Mgr. Mehrin Momin Trim 3.375” x 7.5”
Art Director - Live None
Acct. Mgr. Janet Mize Fonts ITC Franklin Gothic Std (Book, Demi, Book Italic, Medium; OpenType)
Graphics Sally Lagman
DE
TAIL
S Job Type Litho
Mech Scale 100%
Output Size None
9
ATM fee rebates apply to cash withdrawals using the Schwab Bank Debit Card wherever it is accepted. ATM fee rebates do not include fees imposed by merchants for POS transactions, or fees for stamp purchases, balance inquiries, or any transactions other than an ATM cash withdrawal from your Schwab Bank account. Schwab Bank makes its best effort to identify those ATM fees eligible for rebate, based on information it receives from Visa® and ATM opera-tors. In the event that you have not received a rebate for a fee that you believe is eligible, please call a Schwab Bank Customer Service Representative for assistance. Schwab Bank reserves the right to mod-ify or discontinue the ATM fee rebate at any time.
Online Services
Access to your accounts via Internet Banking
No charge
Schwab Bank Bill Pay™ Service No charge
Other Services
Cashier’s checks, each $10.00
Check copies No charge
Checks (and related materials) Fee varies depending on style2 and ship-ping methods
Important Privacy Choice for ConsumersYou have the right to control whether we share some of your personal information. Please read the following information
carefully before you make your choice below.Your Rights
You have the following right to restrict the sharing of personal and financial information with Schwab Affiliates (the family of financial services companies that The Charles Schwab Corporation owns or controls) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.
Your Choice
Restrict Information Sharing With Schwab Affiliates And Other Companies We Do Business With To Provide Financial Products And Services: Unless you say “No,” we may share personal and financial information about you with Schwab Affiliates and outside companies we contract with to provide financial products and services to you.
NO, please do not share personal and financial information with Schwab Affiliates and outside companies you contract with to provide financial products and services.
Time-Sensitive Reply
You may make your privacy choice at any time. Your choice marked here will remain unless you state otherwise. However, if we do not hear from you, we may share some of your information with affiliated companies and other companies with which we have contracts to provide products and services. Your choice will apply to everyone on your account.
