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Differences in trading days and times can lead to delays in settlement and can complicate the settlement and settlement of transactions. It is important to remember that foreign markets may be open at other times and days than U.S. markets. Some U.S. holidays will open foreign markets and some foreign markets will be closed for holidays when U.S. markets are open. Before placing trades on your Schwab Global account™ it is important to consult the complete list of operating hours of foreign markets and exchanges available online under www.schwab.com or by phone at a schwab representative at 1-800-992-4685. If you deposit checks into your Schwab account, they are available according to our availability schedule for payment. You can get calendar details by logging into your Schwab account under www.schwab.com, calling us, or visiting a store. But even if the deposited funds are not available for payment, you will earn interest or dividends on those funds held in accordance with the Free Asset Income section in this document.
At our discretion, even during the holding period, the funds presented by the cheque may not be available for the settlement of securities transactions. Fee payment – If you request a search report, ask Schwab or its delegate to charge the corresponding fees, if any, for a visa® or MasterCard®. If applicable, you can also choose to charge your account fees. You agree to assume all costs (including attorneys` fees, if any), incurred by Schwab in recovering any outstanding costs. You also agree to pay all federal, state and municipal taxes arising from your use of or receipt of the research reports. You agree to grant Schwab an ongoing interest in covering the assets on your brokerage accounts, if any, to ensure timely payment of all fees you have due for research reports as well as any other amounts due under this Agreement or your other agreements with Schwab. If Schwab charges you a fee for research reports, Schwab may only assign it with your consent, to the extent permitted by applicable law. It is your responsibility to choose (or change) the basic cost billing method appropriate to your tax situation. If you do not select (or change) your desired cost base billing method before the trade is cleared, you may have adverse tax effects. Schwab does not offer tax advice and recommends that you consult a tax advisor on basic cost decisions. More detailed information on the cost basis can be found in the cost-based publication statement on schwab.com. “API-based connectivity in the U.S.
has gained significant momentum and data access agreements, such as those we signed with Charles Schwab, are critical to enabling the financial services ecosystem,” said Stuart DePina, President of Envestnet. “We are working with leading financial institutions like Charles Schwab to provide consumers with better choice, reliability and visibility, with the goal of helping consumers achieve financial well-being.” If you ask Schwab to transfer money to your Global™ account, the money is available for withdrawals or transaction funding. You can get calendar details by logging into your Global Schwab account™ www.schwab.com or by calling Schwab at 1-800-992-4685. At our discretion, even during the holding period, the funds represented by the transfer may not be available for securities settlement. . . .