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Your notice to us will not affect any obligations resulting from transactions initiated prior to our receipt of the notice.A change in your Cash Feature may result in the loss of one or more Business Days' interest or dividends while your transaction is being processed.During this time, we will earn and retain interest on your funds, generally at money market rates.See the "Float Disclosure" section for more information.The notice will describe the new terms and conditions of the Cash Features Program, your new Cash Feature, and the options available to you if you do not wish to accept the new Cash Feature.If you would like to choose another Cash Feature that is an available option, you agree to respond to us in the manner and within the time period set forth in the notice.Schwab may consider other accounts to be in your household upon your request if account holders are in the same family, there is a dependent relationship, or in certain other similar instances at Schwab's discretion. The minimum deposit may consist of a check, money order, Electronic Fund Transfer and/or marginable securities.

You may change your Cash Feature election to another eligible Cash Feature by contacting Schwab.

If an account is added to the Accounts of Your Household, any impact on Household Calculations may not take effect until the following quarter. The Cash Features Program permits you to earn income while you decide how those funds should be invested longer term.

Cash advances, purchases and authorizations: The Bank uses six Banking Days each week for purposes of the security limits on the number and amount of cash advances, purchases and authorizations you can make. Cash Features refers to the following alternatives: Please note that certain foreign Schwab affiliates may have different Cash Features than the ones listed above.

Your Account statements will reflect all transactions in your Cash Feature (including purchases, redemptions, dividends, dividend reinvestments, deposits, and interest).

When you opened your Account, you either selected a Cash Feature or were informed of the Cash Feature that was designated for your Account.

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