EFTA00811973

FIRKMANK 1997 SOUTHERN TRUST COMPANY, INC. ST. THOMAS, VI 00002 6100 RED HOOK QUARTERS 83 101726611216 ST. THOMAS, VI 00602 4/8/2019 a PAY TO THE Charles Schwab & Co., Inc. $ **250,000.00 ORDER OF 00/100""""""'"""""""`"""""""""""""'»"""""'""""""""'"`« Two Hundred Fifty Thousand and DOLLARS CI) larectesmmattarcentkune Charles Schwab & Co., Inc. 0 I 4.141/4. MEMO n'00 L99 ?II' I:22 g, 7 285 LC ? 2 Int Lne098 5 2 III' SOUTHERN TRUST COMPANY, INC. 1997 Charles Schwab & Co., Inc. 4/8/2019 250,000.00 DB JEE ckg 3526969 250,000 00 EFTA00811973 Charles SCHWAB Instructions for the Schwab One Account Application for Incorporated Organizations 1-800435-4000 (inside the U.S.) I .1415-667-8400 (outside the U.S.) 11-888-686.6916 (multilingual services) Instructions for How to Open a Schwab One Incorporated Organization Account • You must meet a $250.000 relationship minimum across all Schwab accounts and complete this application to open a new Schwab Incorporated Organization Account. • if you are submitting a handwritten form, please print in ALL CAPITAL LETTERS. • This application is only for use by organizations incorporated and domiciled in the United States. If your Organization is a non-incorporated organization (sole proprietorship, partnership, limited liability company, unincorporated association, etc.) or a non-U.S. organization, please contact us for the correct account application. • If the Organization wishes to request option, margin, and short trading, please complete and submit a separate Add Options Trading and Margin to Your Account form. • If the Organization wishes to have the ability to write checks In the account, please complete and submit a Checkwriting and Visa• Debit Card Application for Organization Accounts. • If the Organization wishes to fund this account by transferring assets from another brokerage firm, please also submit a Transfer Your Account to Schwab form. • A minimum of two signatures of corporate officers are required to open an account. One signature must be from the Chairman of the Board, the President. or any Vice President: the second signature must be from the Secretary, any Assistant Secretary. the Chief Financial Officer, the Treasurer. or any Assistant Treasurer. Schwab, like all U.S. financial institutions, Is required to follow federal regulations to assist the government in its efforts to fight money laundering and other financial crimes. Schwab therefore requests specific information and documentation in order to verify the identity of an entity applying for a Schwab account, as well as the identities of that entity's Control Persons, Authorized Individuals, and Beneficial Owners. Schwab may require additional documentary evidence demonstrating identity and legal status. Schwab also captures personal information on all customers and related authorized parties who have the ability to transact, control, or manage an account. Schwab has the discretion to not accept an account, to close an account, or to terminate any and all services rendered under the Schwab One Account Agreement at any time. Return Instructions • Upload online with secure messaging (if you are an existing client and have online access to your account). 1. Go to and log in to your account. 2. Click Message Center (under Service), and then click Upload Document. • Fax to 1-888-526-7252. • Bring to your nearest Schwab branch (visit for locations). • Mall to any of the following addresses: Regular Mail (West) Regular Mail (East) Overnight Mall (West) Overnight Mall (East) Charles Schwab & Co., Inc. aeries Schwab & Co., Inc. Charles Schwab & Co., Inc. Charles Schwab & Co., Inc. Box 982600 ■. Box 628291 1945 Northwestern Dr. 1958 Summit Park Or., Ste. 200 El Paso. TX 79998-2600 Orlando, FL 328624291 El Paso, TX 79912 Orlando, FL 32810 ST Please retain this page for your files. 02018 Charles Schwab & Co.. Inc. Ail rights reserved. Member Sin. CC2344861(1118.8AK) APP63584-12 (12/18) You do not need to send it back to Schwab. EFTA00811974 charles SCHWAB Schwab One® Account Application for Incorporated Organizations Page 1 of 13 EMIMII 1-800435-4000 (inside the U.S.) 1+1416436743400 (outside the U.S.) 0.488-6866916 (multilingual services) 1. Required Information About the Corporation Schwab will use the information you provl 0 en ands ur account, communicate with you, and provide information about products and services. Read about Schwab's privacy policy a . As required by law. Schwab will use the information provided to verify the identity of the corporation and its Authorized Individuals, Control Persons, and Beneficial Owners. As provided In the Schwab One Application Agreement for Incorporated OrpnizatIons. Schwab is also authorized to inquire as to the creditworthiness of the corporation or any person associated with your account. TYPO of OrgenkatIon/Fedeial Tee CfassAcation Meatered—sefect only Om) 0 C Corp:cation RiSCOMMatlim Name of ConsatIonMs Penn on the charter or other legal document mating the carporadm) illereinatter referred to as the -Corporallann Corporedan Tax '0 Member Southern Trust Company, Inc. 66-0779861 II COreoredOn Is Imam by weds name. enter name. telephone Number (340) 775-2525 Corporation Street Address Oda OM'S City State Zip 040 ' 6100 Red Hook Quarter B3 St. Thomas USVI 00802 ..iatling Address Of Onion from abovea. sates may be used) City State Zip Code Country of Incorporation State of Incorpotemon Detect Inceepottidin IroriVrIctehtt, Corporation's URL Wren U. S. Virgin Islands USVI 11/18/2011 Are you a Mecum 10% einivehletlet or Wrenn...king (racer a a swiftly ass Certain(' g m, Ayes (II 'ors: enter coupons some end traded Wheel / 2. Required Information About the Corporation's Primary Business or Professional Activity 2a.To property categorize and serve your Corporation, we need to know the type of activity in which it is engaged. Please provide the siiockiPt North American Industry Classification System (NAICS) code that best describes 5 4 1 6 0 0 our business (If you don't know your NAICS code. you can look it up at vnyw.census.govieos/wwwinalcs). 2b. Select only one option that most closely reflects the Corporation's primary business and provide the additional requested information (as applicable): Please describe the Cceeoratim's Peeedry SuilaOseiS) end Seld(S) Or detests. 0 flumetel IratitiMon EraMpleS of antihero, institutions include: • investment Mick (eated/oSSsite investment vehicles) • Termite Mita, mmicles • Private equity ',chide, • Investment Advisor, Please also prOvde the name el the sSerominent agents VW semis as phiprimary rt-Mator. grokendealerS . Baum • tnsuionce cannon** • Trust companies ID if the Orienitatron .5 *Chin a U.S. registered brokendealot or a norrU.S. Mumma' institution and II the asses in tra Account are not euStOrnee Mat. please Cheek this bOx. peer(Operating Why Please (laser*, the eOnuneroal products or services Mot oh/ital./W*0On provides. The COrpelallOn geol.:WS cornmeicrat orodicts of tented. Business Consulting Services 0 Please Onalhe me Cciporalrorie ornery PuroOfe(sl and ee40(5) of stainer. Non-Operating EMILY Emmoits of nOnr0OlooOnd made* Wilier • Holding companies • Estate reaming vehicles • Asset pretty:On vehrcleS • Shea <WIWI,. • Personal investment CConparotS 0 Charitable annulillon Please detente the CeeparilliOn'S chaeltaye purpose. 0 Cleverninental Ormazatim ThiS Indoles Wry MU or poetical subdivision or e state. Including: • Any agency. authOnty. Of InStrufneMallty of the state or political sybdniltion • A ow of assets so:named or established by date state or poetical subdivision or any erlitnCy. trolerecth or redtromentalltY thereerf. intloden. but not smith:I to. a 'dealer tenon plan' as demea in section 414(I)Of gm merino' Ramis Code 120 U.S.C. 41em) or • sole gene's fund - A plan or protein ola gOvementrot entity • 04a em. agents. or employees of the stew or malice' subonsion or am money. authmity. or instrumentality thereof. acting in their ofIca' capacity 0 TAUS Organization A tribe-governed organization that is created by the um or tribal chambers on reservation land and under trim Lives (Contact Schwab 0 eactitiorel 00CAsnent reClUiretents.) ST O2018 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CC2344861(11.18-8ANE) APP63584.12 (12/18) ipiiVrtp4diiiipnii.i 1 EFTA00811975 Schwab One• Account Application for Incorporated Organizations Page 2 of 13 3. Required Information About the Organization's Investment Profile Annual Income of Corporation ❑ Under $15,000 ❑ $15,000-$24,999 L.] $25.000-$49,999 ❑ 550.000-599.999 [El $100,000 or more Liquid Net Worth of Corporation ❑ Under $25,000 ❑ $25.000-$49,999 ❑ $50.000-$99.999 ❑ $100.000-5249.999 15 $250,000 or more (please specify): $ t00.000.00Qa. Overall Investment Objective of Account ❑ Capital preservation ❑ Income g Growth ❑ Speculation Source of Funds in Account (Check all that apply.) Please provide the source of assets that will be deposited or held in the account. If the source is a transfer from another firm, please indicate the source of funds that were used to purchase the assets. ❑ Salary, wages, savings ❑ Working capital [!JInvestment capital gains g Corporate income ❑ Family, relatives. inheritance ❑ Sales of property ❑ Other (please specify): Purpose of Account (Check all that apply.) ❑ Business operating revenue and expense processing ❑ Investing of retirement funds ❑ Investing of college funds ❑ Investing for estate planning purposes ❑ Business payroll processing ❑ Business funding ❑ Investing of pooled assets ❑ Investing of business revenue ❑ Business cash management and treasury (Er General investing ❑ investing for tax benefits ❑ Other (please specify): 4. Required Information About Authorized Individuals, Control Persons and 210% Beneficial Owners Please complete this section for the following: • Each Authorized Individual • At least one Control Person of the Organization • All 210% Beneficial Owners ❑ Check here if no single individual or Legal Entity/Trust owns 210% of this Organization. You agree to notify Schwab if or when someone owns ≥10% of the Organization in the future. If checked, complete the following for Authorized Individuals and at least one Control Person (e.g., principals. directors, officers, and managing members). Authorized Individuals • Any individual or representative of an owner, partner, member, officer, employee, or agent of the Organization that is authorized by the Organization to: • Buy and sell securities; • Withdraw and transfer cash and securities; • Sign contracts, waivers, and releases; and • Otherwise conduct business with Schwab on behalf of the Organization. • Complete Individual 1 below for the PrimaryAuthorized Individual who will receive all email correspondence from Schwab. • Schwab will have no obligation of inquiry with respect to the validity of. or authority with respect to. any transaction or instruction provided by an Authorized Individual. Control Persons • An individual with significant responsibility for managing the Organization (e.g.. a Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, Managing Member, General Partner. President. Vice President. or Treasurer). • Please complete Section 4b for a Legal Entity or Trust that is a Control Person of the Organization. • At least one Control Person is required. 21.0% Beneficial Owners • Each individual, if any, who owns, directly or Indirectly. 210% of the equity interests of the Organization (e.g.. each natural person that owns 210% of the shares of a corporation). • In the instance where a Trust is an equity owner of the Organization, the Trustees are considered Beneficial Owners per Industry regulations. Please complete Section 4c with Trust and Trustee Information. • Please note that the Beneficial Ownership information provided in this application wi I be applied to all other similarly registered Organization accounts with the same Taxpayer Identification Number (TIN maintained at Schwab. FOR CHARLES SCHWAB USE ONLY: Stanch Office and ACCOunt NUfillyer sr C2018 Charles Schwab & Co.. Inc. All rights reserved. Member SIPC. CC2344861 (1118-8ANE) APP6358442 (12/18) A 3 Pill RI II II1111 2 EFTA00811976 Schwab One° Account Application for Incorporated Organizations I Page 3 of 13 4a. Required Information About Individuals Who Are Authorized Individuals, Control Persons and/or zits; Beneficial Owners If there are more than four individuals who are Authorized Individuals, Control Persons and/or ≥10% Beneficial Owners. please make, complete. and attach additional copies of this section. Individual 1 Rote of indniOual On Account (Secret ise Mat apply.) Z Primary ketnorued lndhldubi I:l Control Parton O 210% Bondage) Owner Title ecCepeOty of InSlylOual (Setter as that apPlY1 O CIO DCF0 O COO O eribmian of the Board Ele Met Donner . President EIViCe President OSeCretery O AseeStant SeerelefY iFfPamir Elailletint waster El Other (soecityl: Name (First) (Middle) (Last) Richard Kahn Home Street eddreSS (no . beced) ow State Zip Cade 130 East 75th Street Apt 7E New York NY 10021 Mailing Address Ill deferral Iran above: IM. bases may be used) Cary Stale DP Code 5 Lexington Ave 4 Fl New York NY 10022 ;veers Tmeolsone Number(lading Nee code) ANernille Telephone Humber (Ineludnil area code) 014extro Efeuswass CIA400ile (212) 971-1306 • mow O °nine= ErMOtrit (9 7) 414.7584 Social Security Honer Date of girth Ina1/0441)11 Email Adding 108-50-9833 12/06/1972 CeonVy(ieS) Of CitibenSfllPPAUSt est all.) Country Of Leta ReeddenCe gine Dower Doreen gum I:i Other: TO Number and Type CountryOr State of Issuance Evade°Me beci/ddinyal ErPasspon O Dbeer'S Ucense Demmelessuedi0 477516497 USA 03/16/2021 eiviemeni sews (Select Only one.) Employer Name/Sus/1M Keene gEnviOyed O SeITEmplOyed x Flared alernemaker O Student O Not Employed Occupation (If yOti selectee implored' or 'Seittnuerairad: select one aerial that best desciteS Ireml cucleTelfm) HBRK ASSOCIATES INC II Business OwnefiMil.Ereplommo D financial Seruces/Clanking Professions Om Mary O eanSultant EExecutive/SenkxManagtenem D informilion TechnOletlY Pe:45w°' Dclucator O Omer Ispeelfy)1 O Malcal Professimal DOtlwr Professional O CleficabAdminsostive Services II Legal Probsbortal O U.S. Government Employee liederst/State/Local) arade/Senica aliter/Manulacbcelng/Production) El Recounting Profirse/Onal PlielHie Gonuitirnont Employee defamb.S.i OSaWs/Marsetinc O Business Street Address Oty State Zip Cede 575 Lexington Ave 4 Fl NEW YORK NY 10022 Are you al and ran or employed bye flack ecnang or member km of an eteronge or FINRA. Ore municipal Securities OroltectleaSer? Elko Des (If yes: yet; must attach a letter from your emplOyer Or maws Proem-dealer approving the establishment of your account %nen Suballtfing this application. List the company name: ) Are you a director. 10% Shatehaider or DOliCprimillin• officer of • Needy Told company? M iro Oyes or Its: Wirer compaew name and trading symbol .1 rot Benelcial Owners OW 0 % what IS your percentage of venal:Ma whet is your source of peastrt?(Caeck al that 'COM Mselary. wens. taints D Family. relatives. nitedUnC• O uneaten, wan) O orlefsbeng O sot,* Security benefits O Invtstment capital Calms O Invention/patent O Lottery O Sale of moped), Or busintas OGIlts ST G)2018 Charles Schwab & Co.. Inc. Alt rights reserved. Member SI PC CC2344862 II.118-flANE) APP63584.12 (12/18) I'll] Hill II 1 2 EFTA00811977 Schwab 0ne° Account Application for Incorporated Organizations I Page 4 of 13 4a. Required Information About Individuals Who Are Authorized Individuals, Control Persons and/or ≥.1.0% Beneficial Owners (Continued) Individual 2 pole or inismsoal on Account (Select all that aetsly.i OMethod/eel IncliMuerk O Control Person ig≥ 10% Beneficial Owner Toe or Capacny or inamduad (Select VI Mat *W .} 0CE0 0CF0 Ocoo O Chalons.. of Me Beard O Manager DN.*/ MPresidemt E Vice President O SeatterY O Assistant SeCrett", O Treats/et O ASSietant Treasurer O Onset (SPeolli): Name (First) (Middle) oast) JEFFREY EPSTEIN Home Street Mina (ne al boon) City State Zip owe 6100 RED HOOK QUARTER 83 ST THOMAS VI 00802 Mailing Address Of Orferent from above: it tares may be used) City State be Cede Pretend TeittetiOne Number (inducting wee code) stomas Telephone Member (included area coat) OHente igetnisess O Mobile (340) 775-2525 O Home O Business OMobilit Social Security Nunn., Olite ot Sinn franVelehrni Email Address 090-44-3348 01/20/1953 richardkahn12@gmail.com COun(rytieS)Olatisenship (Must Int till.) COUntryrat Legal Residence EfUSA 00then ClOther: &rum Dump: US VIRGIN ISLANDS 0 eons Nu Type Countryor State of issuance Esolnyikle Date trInVeltUrifY) puove.ssuba 0 566672615 USA 0=7/2029 ErPassport O Divers License Email:Meant Statue (Select Only one.) SWIM. NarneMuSineSS Name gEmoloyed OSellerployed °Retired O Homemaker O Stotirmt O Not Emptorld SOUTHERN TRUST COMPANY, INC. Occupation(, you selectee • Employed' et • SelleImployed: select one *Won that beet cieltlantt your OccvetillOrs) O Bunnell Owner/Seiginployee Drsiancral Secnceifftenkng Professional O PA Lary OConsultant ElEsecutive/Senict management OInfeffusion Technology Professional DEducatOr 00ther (WOW: O Medical raoressicem 00ther ProresVonar OCierieW/Administrative Services in LOU' Protinsional 0 U.S. Government Employee geOveaState/tocoll O Trade/Service Itersor/Manulacturinuproductiony O AccOunting Professions O Rain Government Ern:Ovine [POMMY OSeles/Marlysting Cosiness Street Address City State Zip Code 6100 RED HOOK QUARTER 83 ST THOMAS VI 00802 me you affiliated with Of ern040110 by a stock eschenge or member arm of an exchange or FINRA. or a muncipal securities Of0Sentleseet? IgNO Dyes of yes: yOU must attach a letter from your employer of affiliated OrOkeridealer approving 010 establiShment of your account Pawn submitting tan application. List the company in 1 Aro you a orator, lox shareholder Or colkyaeldng officer of a Publicly AM CernOaPP [Ero O l'eS Oryes: enter oxbow name and &acme symbol .) Far Broefictel Owners emir- what is your percentage of ownersNp? 100 % Mel is your source of wealth? (Check all that 5000 O Geralls wages. savings O Freely. relatives. onenunce O litigation award Detail:sling OSociel Searatybeneita EfInvntmer4Caput gain O Inventioh/patent O Lottery Oasis of property or business O GUIs ST 02018 Charles Schwab & Co.. Inc. All rights reserved. Member SIPC. CC2344861 (1118-SANE) 'v136358442 (12/18) nii11IIIIIIIII EFTA00811978 Schwab one• Account Application for Incorporated Organizations I Page 5 of 13 4a. Required Information About Individuals Who Are Authorized Individuals, Control Persons and/or 210% Beneficial Owners (Continued) Individual 3 Role of mammal on Accoom (Select at that MOM 0Authorized Inc/Nichol 0 Censor Person 0210% Elenersisi Miner Tale Of Caps:ayor rovidual 'Select all that apply.) O CEO ❑CFO ❑coo ❑ Chairman el the board Deanna ❑ Nom ❑President ❑ Vice Mash:fent ❑Secretary ❑ Assistant Secretary 0 Treasurer ❑ Assistant %Snorer ❑ Other (specilyr Name mrso Middle) Home Street AddreSS Nos Soros) City Stele Zip Code mailing Address (if afferent horn aeon; s boon may he used) City State Zip Code Preferred Telephone bombes(inchona area code) Memel Telephone Number fineltramit sees MOO El Have ❑ BuSOOSS ❑ MOM 0/tern. ❑ Business ❑ M0000 Social Security Hunter DOW of Dinh OrinVddiryyyyl (mall Address Country(NS) of Otizensalp (Must tat all? Country &Legal nascence 0 LISA 0 Other: 0 Other: El OSA ❑Other. ID Hunter and Type Ga)ntrya State of istranoe Expiration Date anmSdertYffff ❑ PM4Con ❑ others License Obalakssued ID Employment Status (Select only One.) Employer Name/bus/neat Name 0 Employed ❑ Self-Employed 0 Retired ❑ Homemaker 0 Student ❑ Not Employed OCCUp0000 (it you $440C100 '0110totte of 'S.$-mployed: school on. option Met bast descrilNs yoo ocCv00110o) ❑ Busmen Owner/501ElorPrzfod ❑ Nankai Seraces/Banking Professional Off Mtn 0 Consultant ❑ Execultue/Sonlor Management ❑ information ?tonne/eV NI:011MM' ❑ Educator ❑ °the:Welly): ❑ Medea' Preessknal 0 Other PrOansonai ❑ Clencal/Adrraniatrothe Services ❑ Lep Proltssiona ❑0.s. Othamment employee (Federal/Sul./hall ❑ Iteder/Servic• (Lebef/hilalitletuting/PrOduCVOn) 0Accounting Professional Oniveignemoemmom Employee (Non-U.00 ❑ Sales/Menurong Business Street Address City Stale Zip Cede Are you 01111100/0 with a 0000000 by a stock echange of fnembor farm of an exthange a ForRa. or a munieffal securities broker-dealer? ❑ NO 0 MS (If Yes: you must attach 8 letter from your employer or affiliated broker-dealer approving the establishment of your account when SubMittIng this appliCaliOn. MOO COMMAS Miarlei - trashing officer of a pubicly Mid company? Me you a director. 10% shareholder or path 0 No 0 Ma (If yes: enter company name and trading symbol For Beneath Owners Only: What Incur ptnetttlite of onfolhoO? Minot la your SOWN Of wealth? (Chock all that apply.) ❑ Salary. wages. sating, ❑ ramps relatives. trVitrillnet ❑ Miamian avraro ❑Ganeang ❑ Social Security benefits O investment capital gains ❑ invermon/pacent 0 Lottery ❑ Sale of property or business OWN& ST 02018 Charles Schwab & Co.. Inc. AB rights reserved. Member 08C. CC2344861 u118-amozi acm6358412 01/181 ftl11411111II 11111 2 EFTA00811979 Schwab One* Account Application for Incorporated Organizations I Page 6 of 13 4a. Required Information About Individuals Who Are Authorized Individuals, Control Persons and/or ≥10% Beneficial Owners (Continued) Individual 4 Role of inclivicual on Account Omen all mat asely.) O Autroodzed Individual OControl Person MI 310% Benders, Owner nue or Capacity of InclivIdeal (Select al mat axis) OCE0 OCII0 0000 O Cheers/mot the board O manager O Owner OPresident O vice OfeSidelt O SeCretaff O *SSWafil Sauna'', a hemmer PASSietrint Treasurer O Other (specify): Name OHM Paddle) Met) Home Street Address (no Il. boxes) Guy State Zip Coie mailing Address Of *Velem from above:. bores Maybe used) Oty Stale Zip Code Preferred Telephone Number (Oohs:ling area code) Memel Telephone Number Inclutang area COPP) O Home O &mass O Motile O Hom OBusiness O Mobile Social Security Number Data of girth immiclooryy) Email Address Country(*M M Citizenship (Must Mt all.) Counvy 01 Segal Malden,* O USA O Other: Dome MI USA 00ther: 0 Number and Type Country or Stine of !nuance Expiration bate (mmid4O/YYY) • Passport O Covers ucense OGoestssued lb Employment Status (Select Only One) EmPlOrefilarne/eusiness Name O EMMA.] O SeltEnefle0 O Reared O Homemelor OStment O Not Employed Occupetion (limy selected 'Ernolorocr or • saw(mployed. select one moan that best describes your occupation.) O business Owner/SeitEmoloyecl P roamer SenncesAllankim Professions O Khios 00:extuitent OEyesight/Senior Management O information Technoiegy processional O Educate( O 0tnef ISINCifyk O Memel R/OltSSIMIII 00ther Prolosucoai OClencar/Admnistraio Services Oleg., Professional (0 u.s. Gmernment Enwoyee (PedefaliSteteAccall O padeiService (Labof/Mamfactoung/Productionl O Accounting Proltolcoar ofore;r0ovemmem Employee (Nal.U.S 1 OSatosiMarlieting Business Street Acktfess City State Zip Code Ate you affiliated with or employed by a sack Ma:flange or member fan of an exmango or FINRA. or a municipst securities brokesclealer? Olio fp yes (II yes: you must attach a better from your employee Or (mated brokendealer apfxoying the establishment of your account when Submitting this application. Ust the company name: I Are you a dimmer. 10% shareholder or poky.making ofacef of a 0SAO held comeanY? ONO pros Ill *Ww. enter compere name and tracing symbol .) rot Benachtl Owners Only That Is your percentage Of amortise? % What Is )0W source N wealth? (OWN NI Mat mealy.) O Stew. wages. sayings O FSMilf. mothers. Weientance OILrogation award O Gambling O Social Security benefits O inwestmere capital gains O swention/patent O Lottery O Sale of property of bosoms Delfts Sr 8 ,2018 Charles Scrwrab & CO.. Inc. All rights reserved. member SIPC. CC2344861 (1118-SANE) APPt33584-12 (12/18) A 8 EFTA00811980 Schwab One* Account Application for Incorporated Organizations I Page 7 of 13 4b. Control Person That Is a Legal Entity If the Control Person is a Legal Entity or a Trust. provide the information requested below —all Information is required. In addition, please complete the information requested for at least one of the underlying Control Persons/Trustees of the Legal Entity/Trust. Name of Legal Entity Legal Entity Tax IC Number ■ apt Entity le known by soothe. name. ear name. Telephone Member Legal Emily Swat Mellen (no. boa.) City State !Made Mailing Address (if afferent from Name boos ray be used) City State Zif) Code Country of InuorporstiordEStabliament state of IncorpOratierV Date or Incuporabon/Establishment 6-0Igit NAICS Cale Establisreant lmiliVOWM111 Provide the following information for at least one Control Person/Trustee for the above Legal Entity/Trust. If information was provided for the Control Person/Trustee in Section 4a, list only his/her name below. Control Person/Trustee Name (First) (Middle 0.030 Nome Street Address OM boxes) Oty Slate Zip Cede Preferted Telephone Number lincordIng aces code) Afternele To/No.1one Number (including area cede) 0 Nicene ❑ &Gass 0 Mobile 0 lire • BusineSS 0 Mobile Social Security Monter Bale of Birth imenad/n7N CountiMieS)cit C(diasnlp (Must Ni all.) Country el legal Residence 0 USA ❑owe.: IMI Other 0 USA 0 Other Cr Number and Type COunUyOr Sate Of issuance Corium One boor/dd./WW) 0 Passport ❑ Drivers license 00alossued IO Employment Wild clad only one.) Employe Nerne/Busteess Name 0 EnclOyed ❑settEmotged ■ Retired 011:memaker 0 Student 0 Not Employed Occupation Of you selected 'imps:Ise et •SeaMmoloted: select ere option that best delabes pydr occupatica.) ❑ Business Owner/Selamployed ❑rman:ai Strikes/Banked Professional OM Amy • Conata ❑ Ficeanlve/Senia Management Osamu:Mon TechnOicela PrcasMonal 0 Educator Ili Other (specify): ❑ Medial Professcnal 0 Other Professional 0ClesiceMAdministratia Sen%es ❑ Legal Prolessionai 0 U.S. Government Employee tarletaliState/loral) ❑ Trade/Serva (laitsx/Manuf sawing/Production) 0Accounting Proltsolcoal ❑ Foreign Goyemmern Employee OroniU.S.1 OSMes/Matating Business Street ArlOress City State Zip Code ate you affiliated eat or ernolOad bye stock Mange or member Arm of an etettage or FIMTA, or securities brokenderier? EjNO OleS (If "yeS: YOU must attach a letter from your employer or Militated bream:Male, approving the establishrnem of your account even suomitting this application. test tie company name: •) Are you e Orman 10% shirehower or ookresaltieg officer ten a giubliclY held company? 0 No 0 MS Ill yes: Matra. company name and trading symbol a ST 022018 Charles Schwab & CO.. Inc. All rights reserved. Member SIPC. CC2344861 (1118.8ANE) APP63584.12 (12/18) A III I IIIII, i EFTA00811981 Schwab One* ACCount Application for Incorporated Organizations I Page 8 of 13 4c, Information About Trusts That Are 210% Beneficial Owners in the instance where a Trust is a 210% equity owner of the Organization, the Trustees are considered Beneficial Owners per industry regulations. Information for at least one current Trustee is required. If there is more than ono Trust that is a 210% Beneficial Owner of the Organization, please make, complete, and attach additional copies of this Section 4c. Name of Trust Country CA Eatebtiervnent State of Establishment Met is the Trust's percentage 01ownership in the OrganizatalT Please complete Part 1 for a current Trustee(s) that is an Individual and Part 2 for a current Trustee that is an Entity Trustee. Part 1.• Trustee That Is an Individual Provide the following information for at least one current Trustee of the aforementioned Trust. If information was provided for a current Trustee in Section 4a or 4b, list only his/her name below. Trustee liarne (First) (Middle) (Lob Home StreetMolten (n0■ born) City State Zip COO Prelernicl Telephone Number (incMding lirea 0000) Alternate Teletertne Number Mauling fired code) LiHome ❑ Busness O Mobile O Heine O Susktees O Mobile Social SeatebY Sumba( Date of Birth (mmiddiyyyy) Coontryllee) Of Cittranship pant am aio Country or Legal Residence ❑ us. ❑Other. Dome.. ❑ usa ❑ouwr. 0 Number end Type COMP, or State of Invent& ExplraUcn Date (mmMIAITO ❑ PeopOrt O Driver's License OtimebiSsuery ID Employment SUMS (Select Only Mt) Employer kame/BuSinind Name O Employed ❑sernEmgo)ed O Retired akeriernaker O Student ❑ Not Employed Occupation (1l you selected 'Employed* or •Sai'Emplomd: select one onion that best descries purr occupation.) ❑ Business Onner/Sellexployed ❑ FinaMal Secnces/Sertking ProlessiOnal O MOUSY O OrnSultant ODetuthe/Senor Management ❑ information Technology Pordessimai O Edtrostor ClOmer feeecifyli E lMosical Professional ❑ Other Professional OCierical/Acsmisuative Services pail Proleselonio O U.S. Goverment DitOlOyet woo•raVStatenouill I. weee/Service Itabee/marlofeetvringraretietiont ❑ Amounting Professicoel ❑ Foreign Government Employee Illorsti.SY ❑ Sales/Mannting Business Street Morels City State Zip Code me you affiliated with or employed by a stock exchange or member irm of an exchange or MCA, or securities brokerclealer? ONo O yes (II "05.- you must attach a letter from your employer Or aftlialea brokeodeMer approving the establishment of your account when Submitting this application. List the company name: ) Me you a director. 10% sharaholcier ot poky-making *Meer Of a publicly held MOW ❑Iii O Yes Of 'yes: also cote' «moony nano and Ulidilt symbol .) ST 02018 Charles Schwab & Co.. Inc. All rights reserved. Member SIPC. CC234486111118.8ANE) API:03584-12 (12/18) Ij II IR iw I 8 EFTA00811982 Schwab One° Accowtt Application for Incorporated Organizations I Page 9 of 13 4c. Information About Trusts That Are 210% Beneficial Owners (Continued) Part 2: Entity Trustee Complete this section if the Trustee is an entity (corporate trustee or other entity). Name of Legal Entity (as charm se the charter or other legal document cresting the legal entity: hereinafter referred to as the Nagai Entity") Legal Entity Tea IC (*Amber IILoot Entityla moon by another name. enter name. Telephone Ninnyor Legal Entity Street Address (no MI bores) City State Zip Code Country of InOXPOratIOEVEStablishment State or hcoroaration/ Date of IneerporaoarVastahaslonont 6.Exot MACS COOe Establishment (mmidcVnyt) Required Information About Entity Trustee Control Person Complete this section for one Control Person of the aforementioned Entity Trustee. Entity Trustee Control Person /omens') (Middle) (Last) Nome Street ...Wren (non bons) City Stag be Code Preened Ultra?, Number (Including area coda) mounme Tele:none Number (Including Yea MOM pMee E❑I euelnelS O Mcbas O Home O Business 0 Mobile Social Security Number Otte of Own UnnVelliyyyy) COuntryllIS) OE Citizenship (Must int ad.) Country of Legs Residence O USA DOthea CI Other: O USA DettieR D Number and Type Country or State of Issuance Expiration Date (mrrizadimiYA O Passport O Divers License ❑60VI issued ID Employment Status (Select only one.) Emulator None/Business Name ElEmployed O SettEmpoyed O Retired ONomerneker I:Student O Not Employed Occupation Of you sainted 'Cmporrop' or • Self-Employed; Weer one ormon inn ton descraes your occupation.) O Business Ownet/Seil.EmOloved O Anomie Sonricos/Bankino Proltselonal OMOrlery ElCormultant 0 Execotmermnox Management O information TecnnolOgY FOOMSMoIM DEducster Does (specify), OMedical Orden:pod O Other Professiami Ociericammaxinistrative Services O Legal Professions O U.S. 0Cmyrnment Employee IIecletal/Stete/locall El Toote/Sorylca tlatior/Marolocwring/Productmnl OAecounting Professional O foreign Government Employee (NonD.S) OSoles/Maasting Business Street Address City State Zip Cod Ate you MAIMS with Of employed bye Mock exchange or member1ml of en exchange or FINIAL or a municipal securities OrckentloMerl Elmo ID Ye If Ids: also enter company name . (You must attach a letter tO this application Mat is from your employer, approving the establishment of Ws account.) Are you a director. 10% shareholder or polictmaking officer of a publicly held company? ONo Oyes (If 'yes.' also enter conspany name and trading symbol ST 02018 Charles Schwab & CO.. Inc. All rights reserved. Member SIPC. CC2344861 (111813ANE) APP83584.12 (12/18) A 1111 1111 111 EFTA00811983 Schwab One* Account Application for Incorporated Organizations I Page 10 at 13 5. Your Consent to Enroll In Schwab's Cash Features Program The Cash Features Program is a service that we provide that permits the uninvested cash or 'free credit balance' In your Account to earn income while those funds remain uninvested. Additional information about the Cash Features Program and each Cash Feature is available in the Cash Features Disclosure Statement. The designated Cash Feature for this Account is the Schwab One Interest feature. By signing this Application, you consent to participate in Schwab's Cash Features Program• as described in the Cash Features Disclosure Statement, and you also consent to having the Schwab One Interest feature as. your designated cash feature. You understand and agree that Schwab may (1) make changes to the terms and conditions of the Cash Features Program; (2) make changes to the terms and conditions of any Cash Feature; (3) change, add, or discontinue any Cash Feature: (4) change your investment from one Cash Feature to another if you become ineligible for your current Cash Feature or your current Cash Feature Is discontinued; and (5) make any other changes to the Cash Features Program or Cash Feature as allowed by law. Schwab will notify you in writing of changes to the terms of the Cash Features, changes to the Cash Features we make available, or changes to the Cash Features Program prior to the effective date of the proposed changes. 6. Fund Account g Check or money order made payable to Charles Schwab & Co.. Inc. enclosed for S 250.°°0-0° ❑ Transfer from another financial institution (complete the Transfer Your Account to Schwab form). ❑ Electronic transfer using Schwab MoneyLink• (complete the Set Up Schwab MoneyLink Electronic Funds Transfer form). 7. Paperless Document Enrollment Here's how paperless works: The Primary Authorized Individual will receive account statements, trade confirmations, shareholder materials, account agreements and related disclosures, and other regulatory documents, if available in paperless form, by email. For certain documents, including account Statements. you will receive an email notification with a link to log on to our secure website to access your documents. For complete information, please see Important Information About Your informed Consent to Receive Paperless Documents In the Appendix to this application. To opt for Paperless Documents, simply provide the Primary Authorized Individual's email address in Section 4a. The enrollment completion will depend on one of the following scenarios. Scenario 1 If you are the Primary Authorized Individual, and already have an account enrolled in Papedess Documents using the email address provided in Section 4a, have logged on to in the past six months, and agree to the following, your paperless enrollment will be complete once your account is opened. • I have read and understood the Important Information About Your Informed Consent to Receive Paperless Documents In the Appendix to this applica- tion and consent to enrolling this account In Paperless Documents. • i understand that I will receive an email with my new account agreement and related disclosures. Or Scenario 2: If you ere the Primary Authorized Individual, and do not have an existing account enrolled In Papedess Documents, are using a different email address, or have not logged on to in the past six months. we will send you an email after the account is opened. To complete enrollment, you will need to cick the Consent" button in that email and/or follow the instructions to access If you do not click the 'I Consent' button, this account will not be enrolled in Paperless Documents and we will send your account agreement an re ate disclosures, as well as future regulatory documents, by postal mall. If you are the Primary Authorized Individual and do not want to participate in Paperless Documents, please check the box below. (PS No. do net enroll my account in Paperless Documents. Please send my regulatory documents via postal mail. ST O2018 Charles Schwab & Co.. inc. All rights reserved. Member SIPC. CC2344862 (1118-BANE) APP63584.12 (12/18) A p EFTA00811984 Schwab Ones Account Application for Incorporated Organizations I Page 11of 13 8. Offer/Referral Code (Optional, up to three offer/referral code entries) env/Werra: Code Orferinsfarrei Code Orrer/Rererna Code Terms and conditions may apply. Any taxes related to an offer are your responsibility You should consult with your tax or legal advisor regarding any tax implications and the appropriate tax treatment of an offer. For more information regarding an offer, please call 1.866-469-7017. 9. Required Account Opening Authorizations Required Signatures for Section 9 At least two signatures are required to open a Schwab One Organization Account for a Corporation. There must be at least one signature in each of the following categories: Category 1: The Chairman of the Board, the President. or any Vice President of the Corporation Category 2: The Secretary, any Assistant Secretary, the Chief Financial Officer, the Treasurer, or any Assistant Treasurer of the Corporation • If you ars the only corporate officer, please sign in boas Category 1 and Category 2, indicating your respective corporate roles under each category. • All other Authorized Individuals listed in Section 4a who have the authority to conduct business with Schwab and who have not already signed under Category 1 or 2 must sign in the Additional required signatures and W-9 certifications section. Please complete all four Signature fields: (1) sign name, (2) print name. (3) specify title, and (4) enter date. Schwab cannot complete these fields on your behalf—failure to complete all four fields will delay the processing of your application. By signing this application, each individual in his or her representative and individual capacity ('you') certifies, represents and warrants that all of the information supplied in this application Is complete, true and correct. You also agree that you have received and read a copy of the attached Schwab One Account Application Agreement for Incorporated Organizations (-Application Agreement"). which contains a predispute arbitration clause. You acknowl- edge and agree that this arbitration clause Is a binding obligation of both the Corporation and you with respect to your capacity as an authorized individual on the account(s). You represent and warrant that you have all the requisite power and authority to (1) provide the tax certifications and (2) establish, maintain and operate an account(s) with Schwab on behalf of the Corporation and to bind the Corporation to the Application Agreement and all incorporated agreements and disclosures, including, but not limited to. the Schwab One Account Agreement and the Charles Schwab Pricing Guide for Individual Investors, each as amended from time to time (the -Agreement and Disclosures"). You represent and warrant that the Corporation documents, resolutions, agreements and laws governing the Corporation permit the establishment and maintenance of the account(s) in accordance with the Agreement and Disclosures. You represent and warrant that you will not take any action or provide any instruction to Schwab that exceeds your authority under Corporation documents, resolutions, agreements and laws governing the Corporation. You represent and warrant that each Authorized Individual listed on this application or subsequently provided to Schwab is authorized by the Corporation to act individually, independently and without the consent of the board or any director, officer or other person of the Corporation. You represent and warrant that any notice sent to any Authorized Individual will constitute notice to the Corporation. You represent and warrant that nothing in the Corpora- tion documents, agreements and laws governing the Corporation imposes any obligation upon Schwab for determining the purpose or propriety 0) of any instructions received from any Authorized Individual or (II) of payments or deliveries to or among Authorized Individuals. You authorize Schwab to apply the Beneficial Ownership information provided in this application to all other similarly registered Organization accounts with the same Taxpayer Identification Number (TIN) maintained at Schwab. You authorize Schwab to inquire from any source. including a consumer reporting agency, as to the identity of you and any Corporation you represent (as required by federal law), creditworthiness and ongoing eligibility for the account(s) at account opening, at any time throughout the life of the account(s), and thereafter for debt collection or investigative purposes. You agree to notify Schwab immediately in writing of any change that would cause these representations and warranties to become incorrect or incom- plete. You hereby, jointly and severally, in both personal and representative capacities, agree to indemnify Schwab and its affiliates, officers, directors, employees and agents from• and to hold such persons harmless against, any claims, judgments, surcharges. settlements or other liabilities or costs of defense or settlement (including investigative and attorneys' fees) arising out of or related to any act or omission to act by any Authorized Individual with respect to the account(s), the breach of any agreement with Schwab or any dispute involving you and the Corporation. The representations and obligations stated in this certification will survive the termination of the account(s). ST 02018 Charles Schwab & Co.. Inc. All rIPts reserved. Member SIPC. CC2344861 (11184BANM APP63584.12 (12/18) I( 11111111 EFTA00811985 Schwab One° Account Application for Incorporated Organizations I Page 12 Of 13 9. Required Account Opening Authorizations (Continued) By signing below, you represent and warrant that this application and the incorporated Agreement and Disclosures constitute a legal, valid, and binding obligation enforceable against the Corporation. You also agree, In your personal capacity. that your relationship with Schwab with respect to the account(s) will be governed by the Agreement and Disclosures. All Authorized Individuals listed in Section its must sign. Please complete all four steps: (1) sign, (2) print name, (3) specify title, and (4) enter date. Schwab cannot complete these fields on your behalf—failure to complete all four steps will delay the processing of your application. I certify, under penalty of perjury, that (1) the number shown on this application is the correct Taxpayer Identification Number; (2) 1/Organization am not subject to backup withholding because (a) I/Organization am exempt from backup withholding, or (b) I/Organization am not subject to backup withholding due to a failure to report interest and dividend Income; (3) l am (a) a U.S. person, or (b) a partnership. corporation, company, or association created or organized in the United States or under the laws of the United States, or (C) an estate (other than a foreign estate), or (d) a domestic trust as defined in federal tax regulations; and (4)I/Organizatlon am exempt from Foreign Account Tax Compliance Act (FATCA) reporting. I/Organization understand that if VOrganization have been notified by the IRS that i/Organization am subject to backup withholding as a result of dividend or interest underreporting and I have not received a notice from the IRS advising me/Organization that backup withholding is terminated, VOrgenuation must cross out item 2 above. Tho internal Revenue Service does not require your consent to any The Agreement with Schwab Includes a predispute arbitration clause. provision of this nt other than the certifications required to avoid You acknowledge receipt of the predispute arbitration ciause contained backup with ding. in Section 12, page 2, of the attached Schwab One Account Application Agreement for Incorporated Organizations. Required s d W-9 certification(s) for Category 1: Chairman of the Board, President. or any Vice President 110' Jeffrey Epstein 1/4120/q SignilitUre Plot Name Date (iviVieWnwl Title: DChartm of the rd (President ❑ Vice President Signature Print Nome Date Imm/.51/Dyr) Title: EChairman of the Board IDPresident El Vice President Require nature(s) and W-9 c rtincation(s) for Category 2: Secretary, any Assistant Secretary. Chief Financial Officer, Treasurer, or any Assist s er Richard Kahn Pmt Name Y/5-40/9 Date (alm/da/M2) Title: O Secretary DAssistant Secretary [pier Financial Officer [Treasurer DAssistant Treasurer 10' Strain Print Name Data (nunrcid/WW) Title: O Secretary DAssistant Secretary ['Chief Financial Officer DIreasurer ['Assistant Treasurer 10" Stature Pint Name Date (rilm/m/ww) Title: Secretary DAssistant Secretary OChief Financial Officer ['Treasurer ['Assistant hemmer Additional required signatures and W-9 certifications: All remaining Authorized Individuals fisted in Section 4a who have not already signed and certified under Categories 1. or 2. Signaling Print Homo Date arim/c0/m71 Title ► Stratum Ant Name Date onfaidd/rvir) title ST 02018 Charles Schwab & Co.. Inc. All rights reserved. Member SIPC. CC2344861 (111.8•8ANE) APP63584.12 (12/18) I 311 I. ni1 111,11,1A 1 EFTA00811986 Schwab One' Account Application for Incorporated Organizations I Page 13 of 13 10. Required Certificate of Authority and Corporate Resolution: President or Secretary The Corporation adopts the following Certificate of Authority and Corporate Resolution. The undersigned certifies that: 1. Each individual whose signature appears in Section 9 (each, an Authorized Individual) is authorized to (1) provide tax certifications; (2) establish. maintain, and operate an account(s) with Schwab on behalf of the Corporation and to bind the Corporation to the Application Agreement and all incorporated agreements and disclosures, including, but not limited to. the Schwab One Account Agreement and the Charles Schwab Pacing Guide for Individual Investors, each as amended from time to time (the 'Agreement and Disclosures"); and (3) designate persons to operate such account(s). 2. Each Authorized Individual is authorized to act Individually, independently, and without the consent of the board or any director, officer, or other person of the Corporation. Notice sent to any Authorized Individual will constitute notice to the Corporation. Nothing in the organizational documents, agreements, and laws governing the Corporation Imposes any obligation upon Schwab for determining the purpose or propriety (1) of any Instructions received from any Authorized Individual or (2) of payments or deliveries to or among Authorized Individuals. 3. The authority thereby conferred Is not inconsistent or in conflict with the Certificate of incorporation. charter, bylaws, resolution, or other applicable constituent documents of the Corporation and is within the Corporation's corporate power and authority and agreements and laws governing the Corporation. 4. The signatures that Section 9 are true and genuine original signatures. The information set ertiflcate of Authority and Corporate Resolution is true and correct, and Schwab may conclusively rely upon this Certificate of A rate Resolution until the Corporation delivers a written replacement Certificate of Authority and Corporate Resolution to Schwab at an a by Schwab. 9/5'40/f Date (mmiddintyl ST 02018 Charles Schwab & Co.. Inc. MI rights reserved. Member SIPC. CC2344881 (1118 8ANE) APP83584-12 0.2/18) A IN IIII I11J11111112 EFTA00811987 charles SCHWAB Schwab Ones Account Application Agreement for Incorporated Organizations These terms relate to your Account and are part of the Account Agreement between each Account Holder and Schwab, Please retain for your files. Account Opening Authorizations By signing this application, each individual in that exceeds your authority under Corporation AccounUS), and thereafter for debt collection or his or her representative and individual capacity documents, resolutions, agreements and laws Investigative purposes. ("you") represents and warrants that all of the governing the Corporation. You agree to notify Schwab immediately in information supplied in this application is true You represent and warrant that each Authorized writing of any change that would cause these and correct. You also agree that you have Individual listed on this application or subse- representations and warranties to become received and read a copy of the attached Schwab quently provided to Schwab is authorized by the incorrect or incomplete. You hereby. Jointly and One Account APPlitation Agreement for Incorpo- Corporation to act individually, independently severally, in both personal and representative rated Organizations (*Annotation Agreement"). and without the consent of the board or any capacities, agree to Indemnify Schwab and its which contains a predispute arbitration clause. director, officer or other person of the Corpora- affiliates, officers, directors, employees and You acknowledge and agree that this arbitration tion. You represent and warrant that any notice agents from, and to hold such persons harmless clause is a binding obligation of both the Corpo- sent to any Authorized Individual will constitute against, any claims, judgments, surcharges, ration and you with respect to your capacity as notice to the Corporation. You represent and war- settlements or other liabilities or costs of an Authorized Individual on the Account(s). rant that nothing in the Corporation documents. defense or settlement (including investigative You represent and warrant that you have all the agreements and laws governing the Corporation and attorneys' fees) arising out of or related to requisite power and authority to (1) provide the imposes any obligation upon Schwab for any act or omission to act by any Authorized tax certifications and (2) establish, maintain and determining the purpose or propriety (I) of any Indhidual with respect to the Account(s), the ooerate an account(s) with Schwab on behalf of instructions received from any Authorized breach of any agreement with Schwab or any the Corporation and to bind the Corporation to individual or Oh of payments or deliveries to or dispute involving you and the Corporation. the Application Agreement and all incorporated among Authorized Individuals. The representations and obligations stated in agreements and disclosures, including, but not You authorize Schwab to apply the Beneficial this certification will survive the termination of limited to, the Schwab One Account Agreement Ownership information provided in this Update the Account(s). and the Charles Schwab Pricing Guide for Form to all other similarly registered Organization By signing this application, you represent and Individual Investors, each as amended from time accounts with the same Taxpayer identification warrant that this application and the incorpo- to time (the 'Agreement and Disclosures"). Number (TIN) maintained at Schwab. rated Agreement and Disclosures constitute a You represent and warrant that the Corporation legal, valid and binding obligation enforceable You authorize Schwab to inquire from any source. documents, resolutions, agreements and laws including a consumer reporting agency, as to the against the Corporation. You also agree, in your governing the Corporation permit the establish- identity of you and any Corporation you represent personal capacity, that your relationship with ment and maintenance of the Account(s) in (as required by federal law), creditworthiness and Schwab with respect to the Account(s) will be accordance with the Agreement and Disclosures. ongoing eligibility for the Account(s) at account governed by the Agreement and Disclosures. You represent and warrant that you will not take opening, at any time throughout the life of the any action or provide any instruction to Schwab Certificate of Authority and Corporate Resolution: President or Secretary The Corporation adopts the following Certificate 2. Each Authorized individual is authorized to act 3. The authority thereby conferred is not incon- of Authority and Corporate Resolution: individually, independently and without the sistent or in conflict with the Certificate of 1. Each individual whose signature appears in consent of the board or any director, officer or Incorporation, charter, bylaws, resolution or Section 9 (each, an Authorized Individual) is other person of the Corporation. Notice sent other applicable constituent documents of authorized to (1) provide tax certifications; to any Authorized Individual will constitute the Corporation and is within the Corporation's (2) establish, maintain and operate an notice to the Corporation. Nothing in the corporate power and authority and agree- account(s) with Schwab on behalf of the organizational documents, agreements and ments and laws governing the Corporation. Corporation and to bind the Corporation to the laws governing the Corporation imposes any 4, The signatures that appear in Section 9 are Application Agreement and all incorporated obligation upon Schwab for determining the true and genuine original signatures. agreements and disclosures, including, but purpose or propriety (i) of any instructions The information set forth in this Certificate of not limited to, the Schwab One Account Agree- received from any Authorized Individual or Authority and Corporate Resottion Is true and ment and the Charles Schwab Pricing Guide for (i) of payments or deliveries to or among correct, and Schwab may conclusively rely upon Individual Investors, each as amended from Authorized Individuals. this Certificate of Authority and Corporate time to time (the "Agreement and Disclo- Resolution until the Corporation delivers a sures"); and (3) designate persons to operate written replacement Certificate of Authority and such account(s). Corporate Resolution to Schwab at an address specified by Schwab. Schwab One Account Application Agreement for Incorporated Corporations Section 1: Scope of Agreement. Your agree- Schwab One Account Agreement is provided features and benefit packages. These supple- ment with Schwab consists of the terms set with this application or at the opening of your mental terms and disclosures, this Application forth in this Application Agreement and the Account. You agree to contact Schwab if you do Agreement and the Schwab One Account terms set forth in the Schwab One Account not receive the Schwab One Account Agreement. Agreement are collectively referred to as the Agreement, which incorporates the Charles In addition. you may in the future receive from "Agreement and Disclosures: You agree to read Schwab Pricing Guide for InalWdual Investors and Schwab supplemental terms or disclosures that the Agreement and Disclosures carefully and a number of other important disclosures. The pertain to certain account types, service retain copies for your records. ST 02018 Charles Schwab 6 Co.. Inc. All rights reserved. Member SIPC. CC2344881 (1118.8ANC) APP83584.12 (12/18) EFTA00811988 Schwab One• Account Application for Incorporated Organizations I Page 2 of 3 Section 2: Acceptance of Agreement and provided to Schwab by you, your agent or any hereby expressly waived, and no specific Disclosures. You agree that the Agreement and attorney-in-fact under a power of attorney or demand or notice shall invalidate this waiver. Disclosures govern all aspects of your relation. Investment Advisor authorized to make transac- Section 9: Interest on Debit Balances. We will ship with Schwab. Including all transactions tions in your Account. We may elect anytime, with charge and compound interest on your debit between Schwab and you and all products and or without notice, to make any debit balance or balances according to our Disclosure of Credit services now or in the future offered through other obligation related to your Account imrnedi. Terms and Policies. Schwab. Schwab may rely on your use of ately due and payable. We may report any Section 10: Using the Check Feature. If you Schwab's products and services as evidence of pastdue account to a consumer and/or have requested the check feature through your continued acceptance of the Agreement securities credit reporting agency. We may also your Account, you authorize checks to be issued and Disclosures. refer your Account to a collection agency. as indicated in your Account Application. You Section 3: Your Representations and Warran- Section 7: Security for Indebtedness. Note: agree that each Account Holder Is authorized to ties. You represent and warrant that: (a) you are This section does not apply to any tax-qualified write checks. of legal age in the state in which you live and you accounts subject to the prohibited transaction Section 11: Verification. You authorize Schwab to are authorized to enter into this Agreement: rules of the Internal Revenue Code or ERISA, or Inquire from any source, including a consumer (b) you have suppiied accurate information in any indebtedness arising therefrom. reporting agency, as to the identity (as required by your Account Application; (c) no one except the As security for the repayment of all present or law). creditworthiness and ongoing ekgrbrity for Account Holders listed on the Account Applica- future indebtedness owed to us by any Account the Account of the Account Holders, any other tion (and if community property is held, the Holder under the Schwab One Account Agree- person referred to on this appacaticn, or any Account Holders' spouses) has an interest in the ment or otherwise, each Account Hokier grants person who Schwab is later notified is associated Account; (d) no additional authorizations from to us a continuing security interest in and lien with or has an interest in the Account at account third parties are required for you to open the on, and a right of setoff with respect to. all opening, at anytime throughout the fife of the Account and effect transactions therein; Securities and Other Property that are, now or in Account, and thereafter for debt collection or (e) except as you have otherwise indicated on the future, held, carried or maintained for any investigative purposes. your Account Application or in writing to us. purpose In or through the Schwab One Account. (i) you are not an employee of or affiliated with Section 12: Required Arbitration Disclosures. and, to the extent of such Account Holder's Regulatory authorities require that any any securities exchange or member firm of any interest in or through. any present or future exchange, the Financial Industry Regulatory brokerage agreement containing a predispute account with us in which the Account Holder has arbitration agreement must disclose that this Authority (FINRA), or any securities firm, bank, an interest. fast company, or insurance company; and agreement contains a predispute arbitration If you owe money to Schwab as the result of clause. This Agreement contains a predispute (I0 you are not a director, 10% beneficial activity in your Account and there are assets shareholder. policy-making officer, or otherwise arbitration clause. By signing an arbitration available in any account that you hold at Schwab agreement, the parties agree as follows: an 'affiliate (as defined in Rule 144 under the which could fully or partially satisfy the debt, you • All parties to this Agreement are giving up the Securities Act of 1933) of a publicly traded agree that upon Schwab's written demand, you company: and (1) this Application Agreement, as right to sue each other in court, including the will execute all documents necessary t0 effect a right to a trial by jury, except as provided by amended from time to time, is a legal, valid and distribution from your account and agree to pay binding obligation, enforceable against you in the rules of the arbitration forum in which a or cause such funds to be paid immediately to claim is filed. accordance with its terms. Schwab in order to satisfy your indebtedness Section 4: Account Handling. Schwab will to Schwab. • Arbitration awards are generally final and automatically hold all of your securities binding: a party's ability to have a court Section 8: Liquidations. Whenever it is neces- reverse or modify an arbitration award IS purchased, sales proceeds. dividends and sary for our protection or to satisfy a margin interest. Schwab will also release your name, very limited. deficiency, debit or other obligation owed us, we address and securities positions to companies may (but are not required to) sell, assign and • The ability of the parties to obtain docu- in which we hold securities for your Account deliver all or any part of the property securing ments, witness statements and other upon request, unless you notify us otherwise In your obligations, or close any or all transactions discovery Is generally more limited in Writing. If you maintain more than one account in your Account. We may choose which property arbitration than in court proceedings. at Schwab, you authorize Schwab to transfer to buy or sell, which transactions to close and • The arbitrators do not have to explain the assets between your accounts when no written the sequence and timing of liquidation. We may reason(s) for their award unless, in an eligible authorization Is requested. take such actions on whatever exchange or case, a joint request for an explained decision Section 5: Responsibility for Investment market and in whatever manner (including pubic has been submitted by all parties to the panel Decisions. You agree that you and any agent auction or private sale) that we choose in the ex- at least 20 days prior to the first scheduled under a power of attorney or Investment Advisor ercise of our business Judgment. You agree not hearing date. (if you have one) are solely responsible for to hold us liable for the choke of which property • The panel of arbitrators will typically Include investment decisions in your Account, including to buy or sell or of which transactions to close a minority of arbitrators who were or are whether to buy or sell or hold a particular secu- or for timing or manner of liquidation. affiliated with the securities industry. rity. Unless required by law, or unless Schwab In certain circumstances we may. at our sole • The rules of some arbitration forums may provides advice to you that is clearly identified discretion, liquidate your entire margin loan as an individualized recommendation for you, impose time limits for bringing a claim in balance to satisfy a margin call. You agree not arbitration. In some cases, a claim that is you understand that Schwab has no obligation to hold us liable for taking such action. ineligible for arbitration may be brought to determine whether a particular transaction, court. We may transfer property from any non-retirement in strategy, or purchase or sale of a security is suitable for you. Your obligation includes an affir- brokerage account in which you have an interest • The rules of the arbitration forum in which the mative duty to monitor and stay informed about to any other brokerage accounts in which you claim is filed, and any amendments thereto, Your Account and your investments and respond have an interest regardless of whether there shall be incorporated into this Agreement. lb Changes as you deem appropriate. are other Account Holders on either account, No person shall bring a putative or certified if we determine that your obligations are not class action to arbitration, nor seek to enforce Unless Schwab otherwise agrees with you in adequately secured or to satisfy a margin defi- writing. Schwab does not have any discretionary any predispute arbitration agreement against ciency or other obligation. You agree to pay on any person who has initiated in court a putative authority or obligation to review or make recom- demand any account deficiencies after liquida- mendations for the investment of securities or class action; or who is a member of a putative tion. whether liquidation is complete or partial. class who has not opted out of the class with cash in your Account. All of the above may be done without demand respect to any claims encompassed by the You acknowledge that Schwab does not provide for margin or notice of purchase, sale, transfer tax or legal advice. putative class action until: or cancellation to you. No demand for margin or 1. the class certification Is denied; Section 6: Payment of Indebtedness. You agree notice shah impose on Schwab any obligation to to make payment of any indebtedness related to 2. the class is decertified; or make such demand or provide such notice to your Account, including. but not limited to, any you in the future. Any such notice or demand is 3. the customer is excluded from the class such Indebtedness that results from instructions by the court. ST 02018 Charles SClitiab & Co., inc. At rights reserved. Member SIPC. CC2344861 (1118.8ANE) APP63584-12 (12/18) EFTA00811989 Schwab Onee Account Application for Incorporated Organizations I Page 3 of 3 Such forbearance to enforce an agreement to between or among the parties. Each party shall (3) The exclusive language to be used by the arbitrate shall not constitute a waiver of any bear its own Initial arbitration costs, which ore parties and the arbitrators in the arbitration rights under this Agreement except to the determined by the rules and regulations of the proceedings shall be English. Any party extent stated herein. arbitration forum. In the event of financial wishing an interpreter shall make all Section 13: Arbitration Agreement. Any hardship, the arbitration forum may waive arrangements directly with the interpreter controversy or claim arising out of or relating certain costs in accordance with such rules. At and shall assume all costs of the service. to (I) this Agreement, any other agreement the conclusion of the hearing, the arbitrators will (4) If a party is a foreign government or state, with Schwab, an Instruction or authorization decide how to assess the costs of the arbitra- state-owned or state-operated enterprise or provided to Schwab or the breach of any such tion among the parties. other instrumentality of a foreign govern- agreements, instructions, or authorizations; Any award the arbitrator makes shall bo final and ment or state, such party waives all rights (ii) the Account, any other Schwab account or binding, and judgment on it may be entered in of sovereign immunity and neither the Services; (Ili) transactions In the Account or any court having jurisdiction. This arbitration Federal Act of State doctrine nor the any other Schwab account (iv) or In any way agreement shall be enforced and interpreted doctrine of sovereign immunity shall apply arising from the relationship with Schwab, its exclusively in accordance with applicable federal insofar as any enforcement in courts located parent, subsidiaries, affiliates, officers, taws of the United States, including the Federal in the U.S.A. is concerned. directors, employees, agents or service Arbitration Act. Any costs, fees or taxes involved Section 14: Electronic Copies. The electronically providers ("Related Third Parties"), including in enforcing the award shall be fully assessed stored copy of your (or your agent's) signature. any controversy over the arbitrabllity of a against and paid by the party resisting enforce- any written Instructions or authorizations, the dispute, will be settled by arbitration. ment of said award. Account Application and the Agreement and This arbitration agreement will be binding upon For FINRA arbitrations, FINRA will appoint a Disclosures are considered to be the true, and inure to the benefit of the parties hereto single public arbitrator in customer cases complete, valid, authentic and enforceable and their respective representatives, attorneys- decided by one arbitrator. In customer cases record, admissible in judicial, administrative or in-fact, heirs, successors, assigns and any other decided by three arbitrators, investors have the arbitration proceedings to the same extent as if persons having or claiming to have a legal or option of choosing an arbitration panel with two the documents and records were originally beneficial interest In the Account, including public arbitrators and one non-public arbitrator generated and maintained in printed form. court-appointed trustees and receivers. This (Majority-Public Panel Rule) or a panel of all You agree to not contest the admissibility or • arbitration agreement will also Inure to the public arbitrators (Optional All•Public Panel enforceability of Schwab's electronically stored benefit of third-party service providers that Rule). If the customer declines to elect a panel copy of such documents in any proceeding assist Schwab in providing Services ("Third- selection method in writing by the applicable between you and Schwab. Party Service Providers") and such Third-Party deadline, the Majority-Public Panel Rule for Section 15: Unclaimed Property. If no 'activity Service Providers are deemed to be third-party selecting arbitrators will apply. occurs in the Account within the time period beneficiaries of this arbitration agreement. All notices from one party to the other specified by applicable state law, the Account The parties agree that this arbitration agree- involving arbitration shall be considered to may be transferred to the appropriate state. ment will apply even if the application to open have been fully given when so served, mailed Section 16: Information About SIPC. To obtain the Account is denied and will survive the by first-class, certified or registered mail, or information about the Securities Investor closure of your Account and/or the termination otherwise given by other commercially Protection Corporation (SIPC). including an of services rendered under this Agreement. accepted medium of written notification. explanatory SIPC brochure, please contact SIPC Such arbitration will be conducted by, and In addition to the above provisions, if a party at www.sipc.org or 1-202-371-8300. according to tho securities arbitration rules to this Agreement is or becomes a non4J.S. Section 17: Impartial Lottery for Securities and regulations then in effect of, the Financial resident at the time of any controversy subject Subject to Partial Call or Partial Redemption. Industry Regulatory Authority (FINRA) or any to this arbitration agreement, such party If Schwab holds securities for you in street name. national securities exchange that provides a acknowledges and agrees to the following in Schwab's name. or In bearer form that are forum for the arbitration of disputes, provided additional provisions: subject to partial call or partial redemption, then that Schwab is a member of such national (1) The rules of the organization administering in the case of a partial call or partial redemption 'angles exchange at the time the arbitration the arbitration specifically provide for the Schwab will use an impartial lottery system to ,winitiated. Any party may initiate arbitration by rs formal designation of the place at which the select the Securities to be called or redeemed filing a written claim with FINRA or such eligible arbitration is to be held. from among accounts holding those securities. national securities exchange. If arbitration (2) Entering into this Agreement constitutes For a descrl allir before FINRA or an eligible national securities consent to submit to the personal jurisdic- please visit If exchange is unavailable or impossible for any tion of the courts of the state of California, you would like a printed description of Schwab's reason, than such arbitration will be conducted U.S.A., to interpret or enforce any or all of lottery system mailed to you, please contact 8 by, and according to the rules and regulations these arbitration provisions. Judgment on Schwab representative at 1-800-435-4000. then in effect of, the American Arbitration any arbitration award may be entered in any Association (AAA). If arbitration before the AAA court having jurisdiction, or application may is unavailable or impossible for any reason, the be made to such court for judicial accep- parties agree to have a court of competent tance of the award and an order of enforce- jurisdiction appoint three (3) arbitrators to ment, as the case may be. resolve any and all disputes or controversies ST 02018 Charles Schwab & Co.. Inc. MI rlgbts reserved. Member SIPC. CC2344861 (1118'BANE) APP63584.12 (12/18) EFTA00811990 charles Cash Features Program SCHWAB General Terms and Conditions Page 1 of 2 The automatic investment of your free credit balance, including the frequency and the amount of each sweep, is governed by the terms and conditions set forth In the Cash Features Disclosure Statement and in the Account only. Agreement applicable to your account. The material in this document is intended for informational purposes s in this document and the terms of the Cash Features Disclosure If there is any conflict between the description Statement, the Cash Features Disclosure Statement will control. How the Cash Schwab's Cash Features Program is the service (described in the Cash Features Disclosure Features Program Statement) that we provide to automatically invest, or "sweep," the free credit balance in your Works account into a liquid investment to earn interest. The program permits you to earn income white you decide how those funds should be invested longer term. Available Cash The available cash features currently consist of: Feature • The free credit balance in your eligible account (the "Schwab One Interest feature"), on which Schwab pays interest; • Interest-bearing deposit accounts at one or more of our affiliated banks (the "Bank Sweep feature" for most accounts and the "Bank Sweep for Benefit Plans feature" for retirement plan accounts); and • For some accounts, one or more affiliated money market mutual funds (the "Money Fund Sweep feature"). Eligibility Eligibility for each cash feature is based on the registered ownership and the type of account. Not all account registrations and account types will be eligible for all cash features. Some account registrations and account types will be eligible for only one cash feature. Please see your Account Application and the Cash Features Disclosure Statement for more complete eligibility details. Duty to Monitor It is your responsibility to monitor your eligibility for the cash features and determine the best Eligibility for Cash cash feature available to you. Schwab is not responsible for contacting you if you are, or later Features become, eligible for other higher-yielding cash features. Interest Rates and The interest rates and yields for the different cash features vary over time. There is no Yields guarantee that the interest rate and yield on any particular cash feature will be or will remain higher than the interest rate and yield on any other cash features over any period. Current interest rates and yields can be obtained by contacting your independent investment advisor or your Financial Consultant, or by callin us at 1- -4 5-4000. If you already have an account, you can visit our website at If r ccount is an Advisor Services account, please contact your advisor, visit , or call Schwab Alliance at 1-800-515-2157. • The interest rate on the Schwab One Interest feature is set by Schwab. We may seek to pay as low a rate as possible consistent with our views of competitive necessities. With certain exceptions, the rate will be tiered based upon the overall free credit balance within your account. • The interest rate on the Bank Sweep feature is set by our affiliated bank(s), which may seek to pay as low a rate as possible consistent with their views of competitive necessities. Retirement accounts will be paid a reasonable rate consistent with applicable legal and regulatory requirements. With certain exceptions, the rate will be tiered based upon your account type and the combined amount of your account's Bank Sweep deposits at our affiliated bank(s). Brokerage Products: Not FDIC-Insured • No Bank Guarantee • May Lose Value ST 02017 Owles Schwab.; Co. Inc. Alrights resemd. member SIPC. SC1297321101184104 MS91285-01 WITT) EFTA00811991 Cash Features Program General Terms and Conditions I Page 2 of 2 Interest Rates and • The interest rate on the Bank Sweep for Benefit Plans feature is set by our affiliated bank(s), Yields which intend to pay interest consistent with reasonable rate provisions of applicable legal (Continued) and regulatory requirements. This may be lower than some competitors' rates. Interest rates do not vary by tiers and do not vary based on your cash balances. • Money market mutual funds offered through the Money Fund Sweep feature seek to achieve the highest yield (less fees and expenses) consistent with prudence and their investment objectives. Cash features are not intended to be long-term investments, and yields on any of our cash features may be lower than those of similar investments or deposit accounts offered outside the Cash Features Program. If you desire to maintain cash balances for other than a short-term period and/or are seeking the highest ields l v i ble in the market, please contact your Schwab representative or visit for investment options that may be available outside of the Cash Features Program to help maximize your return potential consistent with your investment objectives and risk an Advisor Services account, please contact your advisor, visit , or call Schwab Alliance at 1-800-515-2157. Benefits to Schwab We may charge fees and receive certain benefits under the different cash features. A portion of these fees and benefits may be shared with your investment professional. Because of these fees and benefits, we have a financial incentive to select the particular cash features included in the Cash Features Program. Differing Risks and The different cash features are subject to different risks and account protection: Account Protection • The Schwab One° Interest feature is not subject to market risk and value loss but is subject to the risk of Schwab's failure. In the unlikely event that Schwab fails, cash is eligible for SIPC coverage up to a limit of $250,000 (including principal and interest) per client in each insurable capacity (e.g., individual or joint). Free credit balances held at Schwab are not insured or guaranteed by the FDIC. • The Bank Sweep and Bank Sweep for Benefit Plans features are not subject to market risk and value loss but are subject to the risk of the failure of one or more of our affiliated banks. In the unlikely event that one or more of our affiliated banks fails, deposits at each bank are eligible for FDIC insurance protection up to a limit of $250,000 (including principal and interest) per depositor in each insurable capacity (e.g., individual, joint, and plan participant). This limit includes any other deposits you may have at that bank outside of the Bank Sweep and Bank Sweep for Benefit Plans features. You are responsible for monitoring your bank balances in the Bank Sweep and Bank Sweep for Benefit Plans features and the balances in any of your other bank accounts at each affiliated bank to determine if these, in total, exceed FDIC insurance limits. Monies held in both features are not covered by SIPC. • Money market mutual funds in the Money Fund Sweep feature invest in high-quality, short- term securities and seek to maintain a stable value, but are subject to market risks and potential value loss. They are not bank accounts and are not subject to FDIC insurance protection. They are instead covered by SIPC, which protects against the custodial risk (and not a decline in market value) when a brokerage firm fails by replacing missing securities and cash up to a limit of $500,000, of which $250,000 may be cash. Shares held through the Money Fund Sweep feature are not considered cash, but are treated as securities for SIPC coverage. Brokerage Products: Not FDIC-Insured • No Bank Guarantee • May Lose Value Sr 02017 Charles Schwab& Ca.Inc. Al right' resew!. Member SPC. CC1292321 10118-7768) REG9122601107/17) EFTA00811992 charles Important Information About Your Informed SCHWAB Consent to Receive Paperless Documents Page 1 of 2 The Purpose and Effect of Your Consent Our Contact Information to Request Paper or Ask Questions This disclosure and informed consent applies to all communications for To access the document and print a copy, log in to your Schwab or Schwab ices offered in person or available via Bank account, select the "Accounts" tab, then select "Statements." To , or via a Schwab mobile website or request paper, ask questions about, or report problems concerning mobile application used to access those accounts, products or services, Paperless Documents, you may contact us as follows: to the extent they are not otherwise governed by the terms of a separate click "Contact Us," and then To contact us by email, log in toe, disclosure and informed consent. Message." Advisor Services clients, please log in to " We are required to provide to you "in writing" certain records and •• To contact us by phone: disclosures about our relationship and transactions in your account. You • Investor Services clients: 1-800-435-4000. are entitled to receive those documents on paper. With your affirmative consent, we can provide the documents to you electronically instead via • Schwab Bank High Yield Investor Checking' (or other Schwab Bank) the Schwab Paperless Documents program ("Paperless Documents"). clients: 1-888-603-9000. The information below will help you understand the conditions and • Clients in the U.K.:OO 800 0826-5001. requirements relating to Paperless Documents. You can • Clients in other countries: *1-415-667-84OO. most up-to-date version of this important information a papertess_consent Advisor Services clients: Contact your independent advisor or call 1-8OO-515-2157. Papedess Documents categories include: tax forms, trade confirmations, shareholder materials, statements and account documents (e.g., account • Schwab Intelligent Portfolios• clients: 1-855-694-52O8. statements and other account-related documents associated with • Institutional Intelligent Portfolios® clients: 1-877-805-3399. the account, includingaccount agreement amendments and program To Withdraw Your Consent disclosures, fund prospectuses, and investment advisory service disclosures). Each of these document categories is described in detail When you change your preference back to postal mail delivery, this cancels below.If you are opening an account, the account agreements and account your enrollment in Paperless Documents and withdraws your consent and program disclosures delivered to you as part of the account opening for tha ru,,,,n'ant rsti.nnns. .i indicate. You can do this by logging in process are also included in Paperless Documents. Electronic documents to , Or by calling or emailing Schwab specific to your transactions and account will be available online for up to or Schwab Bank using the contact information above. Allow 48 hours 1O years from the date of initial delivery. Your consent to receive documents for processing. Your consent will remain effective for other document electronically is not limited in duration and does not expire. categories for which you maintain a paperless delivery preference. Depending on where you reside, the initial scope of your Paperless Important note forSchwab Advisor Services clients: Canceling or Documents enrollment, and whether you have made modifications to modifying your enrollment may make your account(s) ineligible for lower your enrollment, not all document categories may apply to you. Certain commission rates, and the commissions you pay may increase. documents that are not currently included in Paperless Documents may Important note for Schwab Intelligent Portfolios and Institutional Intelligent continue to be delivered to you via postal mail. In the future, some or all Portfolios clients: Intelligent Portfolios is an all-electronic service. If in the of these documents may be added to Paperless Documents and made future you request paper documents, withdraw your consent or are unable available to you electronically in accordance with your informed consent to receive Paperless Documents, Schwab may terminate your account. to this disclosure. If you are uncertain which documents are covered by your Papertess Documents enrollment, please check online at schwab. Electronic Notification When a Paperless Document Is Ready Corn/papertess_services or call or email Schwab or Schwab Bank using the contact information below. We send you an email to let you know a document is available. For some documents, the email itself will be the paperless document. For other For additional information about Schwab Bank account statements, see documents, the email wil contain a link that will allow you to access or the "Addendum• on the following page. download the document, and your login may be required prior to such You indicate your consent to Paperless Documents by providing an email access. address and signing an account agreement, or by clicking or touching Keeping Your Email Address Current and Actions Schwab or an "I consent" or other button indicating assent to or acceptance of the conditions and requirements relating to Paperless Documents, and we Schwab Bank Wilt Take If There Is a Problem record your consent. The method of consent may depend on whether you Please note that after three consecutive months of unsuccessful electronic are opening an account or separately enrolling in Paperless Documents delivery attempts of your tax forms, trade confirmations, or statements and for an existing account. If you do not provide consent. Schwab or Schwab account documents, your accounts) will revert backto postal mail delivery. Bank will send you paper copies. Your consent will be effective until you This will cancel your enrollment in Paperless Documents and withdraw cancel your enrollment in Papertess Documents or Schwab or Schwab your consent to receive Papertess Documents. Bank notifies you that the program is discontinued. If you are a joint It is your responsibility to notify Schwab or Schwab Bank of any change in account holder, your consent binds the other account holder. your email address by logging in to the Schwab site and going to Service > By providing consent, you confirm that you have the ability to access My Profile > Email Addresses or using the contact information above. In Schwab on the web, and the ability to open, view, save, retain, and print addition to the unenrollment process outlined above, if we receive any PDF documents as described below. These abilities demonstrate that you indication either that the email notification did not reach you successfully can receive the documents we will deliver to you. You also confirm that or that there is a problem with your email address or service, we will take you have provided a valid email address as part of the account opening or the following actions: PaperieSS Documents enrollment process. • Tax Forms—Send a letter by postal mail within two business days to We may, if necessary and at our discretion, end your participation in inform you that we were unable to deliver your tax form electronically. Paperless Documents, or change the terms and conditions relating In certain circumstances, as may be required by law or regulation or to Paperless Documents and electronic communications. It is your for other reasons, we may send you the tax form itself by postal mail responsibility to review any updates in a timely manner. We will provide you within the time period prescribed by the relevant legal or regulatory with notice of any discontinuation or update as required by law. requirements. • Trade Confirmation—Send a paper copy of trade confirmation by postal mail within 24 hours. Also send a letter by postal mail to inform you that we were unable to detiveryour Trade Confirmation to you electronically. Sr O2018 Chadic Schwab 8 Co. Inc. All rights reserved. M SIPC. CCi597816 (0188-M1N REG86030.00 (ome) EFTA00811993 Informed Consent to Receive Paperless Documents I Page 2 of 2 Statements and Account Documents—Send a letter by postal mail conducted, other activity in your account, and terms and conditions informing you that we were unable to deliver your statement or account governing your account. Account statements are sent at the end of each document electronically. month in which you conducted activity in your account or at the end of Shareholder Materials—Send a paper copy of the shareholder materials each calendar quarter, regardless of any account activity. With your via postal mail within 24 hours. We will send you a letter informing you account statements, we often include accompanying account-related that we were unable to deliver your shareholder materials electronically. notices and other regulatory information, including, but not limited to, The account will be unenrolled from Paperless Documents, and we will Schwab's Statement of Financial Condition, pricing changes, changes to begin to send you paper shareholder materials. payment features, privacy policy, annual notices, amendments to your account agreements, and any other documents, notices, and disclosures Hardware and Software Requirements required by law or regulatory rules W be provided to you. At account Paned/ass Documents requires you to have access to a device (computer opening and from time to time thereafter, we also send you notifications or smartphone) with Internet service and an active email account and about your account. Collectively, we call these documents, notices, and address, along with the following. disclosures "account documents." When you consent to papedess account statements, you also consent to papertess account documents. • A current version of a common Internet browser, with JavaScript enabled. Investment Advisory Service Disclosures (A Sub-Category of Account Documents) • A current version of a program, such as Adobe° Reader? that accurately Your consent to paperless Statements and Account Documents includes reads and displays PDF documents. If you do not have Adobe Acrobat investment advisory program disclosures, brochure supplements with ' n your device, you can download the free software at information about individual Schwab representatives, and related materials such as periodic updates or annual summaries of any changes • An operating system on your device that supports the above. to those documents ("Form ADV Disclosures") as Schwab makes these • A printer that connects to your device, if you wish to print documents. available in the future. The investment advisory programs may include Schwab Private Client; Schwab Managed Portfolios' Schwab Managed • Electronic storage connected to your device, if you wish to retain records Account Services', the Schwab Advisor Networks Schwab Intelligent in electronic form. (If you are using your computer, just save documents Portfolios': and other similar advisory services, and fee-based Financial to your local hard drive.) Planning Services. In addition to Schwab's and its affiliates' own Form ADV If you use your smartphone, you must access the full Schwab website to Disclosures, your consent also covers ADV Disclosures from third-party view and print your documents. If you have questions relating to hardware investment advisors whose services you select through Schwab. Paperless and software requirements, please call or email Schwab using the contact Form ADV Disclosures may accompany your account statements or be sent information on the previous page. independently. If the third party does not make its Form ADV Disclosures available electronically, you will instead receive the standard printed Security and Privacy Information materials by postal mail. Unless expressly stated, email notifications for Papertess Documents are Shareholder Materials ("Electronic Delivery) not encrypted. For security and confidentiality, unencrypted emails will not Shareholder materials include regulatory information such as include your name, full account number, or any other personal identifier. prospectuses; prospectus supplements; quarterly, semi-annual, and Be aware, however, that some email addresses may use part of your name annual reports; and proxy materials. You will receive an email notification or your entire name. If you use a work email address, your employer or with a web link to shareholder materials if you have a position in an other employees may have access to your email. To help you identify your equity or mutual fund as of the record date for a particular shareholder account, we may include some portion, but not all, of your account number. distribution and the materials are made available electronically by the Schwab or Schwab Bank may use a vendor to deliver Papertess Documents. issuer or third party. If the issuer or third party does not make shareholder Whether Schwab, Schwab Bank, or a vendor delivers the documents, materials available electronically, you will instead receive the standard Schwab's privacy policy applies. printed materials by postal mail. By providing your consent to receive electronic delivery of shareholder material, you also consent to electronic Records and Disclosures Included In Schwab and Schwab Bank's householding. This means that if you and someone else enroll in this Paperless Documents Program paperless service using the same email address, we may send one email announcement to this email address if each account holds securities of the Tax Forms relax Documents") same issuer. This avoids duplicate mailings of shareholder documents. If A tax document provides important information you need to complete you no longer want electronic householding of your shareholder materials, your tax returns. Much of the information we provide in tax documents you must modify your Paperless Documents enrollment as described is also reported to the IRS. This includes any corrected tax documents above. Your shareholder materials ma include electronic proxies. You may and accompanying notices. When a tax document is ready, we will send elect to vote your proxy online at by entering the control an email notification with the subject line "IMPORTANT TAX RETURN number included in your email an d the last four digits of DOCUMENTAVAILABLE" and containing a web link to the document your Social Security number or Taxpayer Identification Number as your PIN. available after you log in. Trade Confirmations reconfirms") Addendum for Schwab Bank Papertess Statements A trade confirmation is an official record of your securities transaction. ("eStatements") It includes the price, number of shares, and the commission we charge Schwab Bank Paperless Documents categories include statements and you, as well as disclosures required under federal law. If you choose to account documents and tax forms. The above information regarding receive paperless trade confirmations, the terms and conditions of your the purpose and effect of your consent, including how to request paper transaction will appear in the email and on a web page you can link to delivery, how to ask questions, how to withdraw consent for papertess from the email. Your consent to receive paperless trade confirmations delivery, electronic notification of ready statements, keeping a current also includes paperless delivery of prospectuses or other regulatory email address, hardware and software requirements, and security information we provide to you at the time of your trade. Your consent to and privacy information, are all applicable to Schwab Bank accounts. receive paperless trade confirmations also covers paperless delivery of Paperless Documents include account statements and tax forms. In Trade Confirmation Reports (TCRs) if you elect this alternative as part of addition, account statements for your Investor Checking account(s), your Managed Account enrollment. Investor Savings account(s), and Pledged Asset Line' account(s) provide Statements and Account Documents ("eStatements") important information about your accounts, including the account balance; An account statement provides important information about your account, the transactions conducted; other activity in your accounts; and other including the price and quantity of securities you hold, the transactions information, terms. and conditions governing your accounts. Brokerage Products: Hot FDIC-Insured • No Bank Guarantee • May Lose Value Chides Scenvab Link and Chats Schwab & Co., Inc us mutate but aniatod tampion anti subsitUries of The Cartes Schwab Corporation. Brokerage prcoxlsolleced by tholes Schen', g Co.lnc are not inured by the FDIC, are not &Mils et obligations ce Chain Schwab Bark, and ae Saject to investment rig.axtudin the cossble loss ce oienpal if-Nested. Depost and or lenling ceoducts rd services are oilwed by Drain Schwab tank, liembe FDIC Ed an FpatHasing Lender. Charles Schwab Bank es not actin or registered as a secunties broker. dealer or ',vestment adesce. SF 02018 Charles Sclverab & Co.. Inc. All rigta reserved. Member SIPC. CC1597876 (0188-7A1V) REG8E030-03 (01/18) EFTA00811994 ', Anted on reepled paper. ST 02018 Charles Schwab & Co.. Inc. All rights reserved. Member SIPC. CC2344861 (1118 BANE) APP63584 12 (12/18) 00219912 EFTA00811995