You agree to maintain the security and confidentiality of your Password and to notify us immediately if you have any reason to believe its security or confidentiality has been or may be breached. The Electronic Services you access by computer provide you with the capability to send electronic communications, such as email, directly to Schwab and interact within applicable areas of the Electronic Services. We will not be liable for lost profits, trading losses or other damages resulting from the delay or loss of use of the services. Deposit accounts at the banks held in your Account are not eligible for SIPC insurance. The most common reasons are a decrease in the value of long securities held as collateral or an increase in the value of securities held short. Designating one or more TCPs is solely your decision and is optional. As such, we are required to inform you of the availability of a FINRA Investor Brochure, which includes information on the FINRA Public Disclosure Program. Attn: Document Control You agree that any such Schwab recommendation will remain in effect only for as long as we tell you that it will remain in effect at the time we make the recommendation; Unless we otherwise agree with you in writing, Schwab does not monitor your account(s) or investments and has no obligation to update any investment recommendation, financial advice, or financial plan we may give you. No prior conduct, past practice or oral statement by any Schwab employee or agent can amend or modify this written agreement, including, but not limited to, Schwab's right to liquidate or close positions in a margin account at any time and without notice as set forth in the Margin and Short Account Agreement. If you wish to transfer short positions from another firm, we will attempt to lend you securities to cover your transaction at the other firm. You agree to pay our commissions and transaction, processing, custody and other fees, and/or those of the entity to which your non-standard security is delivered, as they exist from time to time and apply to the transactions and services you receive in connection with these securities paid to you by the fund. Applicable exchange rules and federal regulations; Our Disclosure of Credit Terms and Policies; or. Schwab posts "Urgent Notification" on its website to alert you to various Electronic Services and market conditions issues. While Schwab will make a good faith effort to identify and consider on its own the Accounts of Your Household in order to calculate any potentially applicable fee waivers, you acknowledge and agree that Schwab is not responsible for any claimed error in making Household Calculations if you fail to contact Schwab with concerns or questions about how Schwab is making Household Calculations.
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