Schwab Beneficiary – Fill Out and Use This PDF

Designated฀%฀

Social฀Security฀Number฀(or฀Trust’s฀Tax฀ID฀Number)฀

Name฀(or฀Name฀of฀Trust฀and฀Trustees฀and฀Date฀of฀Trust)

Home฀Street฀Address฀(no฀P.O.฀boxes฀please)฀

City฀

State฀

Zip฀Code

Relationship฀

Telephone฀Number฀

Date฀of฀Birth฀(mm/dd/yyyy)

฀

(฀

)

Country(ies)฀of฀Citizenship฀(Must฀list฀all.)฀฀฀฀฀฀฀

Country฀of฀Legal฀Residence฀

฀USA฀฀ ฀Other:฀___________________________฀฀

฀Other:฀___________________________฀

฀

฀USA฀฀฀

฀Other:฀________________________________

Designated฀%฀

Social฀Security฀Number฀(or฀Trust’s฀Tax฀ID฀Number)฀

Name฀(or฀Name฀of฀Trust฀and฀Trustees฀and฀Date฀of฀Trust)

Home฀Street฀Address฀(no฀P.O.฀boxes฀please)฀

City฀

State฀

Zip฀Code

Relationship฀

Telephone฀Number฀

Date฀of฀Birth฀(mm/dd/yyyy)

฀

(฀

)

Country(ies)฀of฀Citizenship฀(Must฀list฀all.)฀฀฀฀฀฀฀

Country฀of฀Legal฀Residence฀

฀USA฀฀ ฀Other:฀___________________________฀฀

฀Other:฀___________________________฀

฀

฀USA฀฀฀

฀Other:฀________________________________

Designated฀%฀

Social฀Security฀Number฀(or฀Trust’s฀Tax฀ID฀Number)฀

Name฀(or฀Name฀of฀Trust฀and฀Trustees฀and฀Date฀of฀Trust)

Home฀Street฀Address฀(no฀P.O.฀boxes฀please)฀

City฀

State฀

Zip฀Code

Relationship฀

Telephone฀Number฀

Date฀of฀Birth฀(mm/dd/yyyy)

฀

(฀

)

Country(ies)฀of฀Citizenship฀(Must฀list฀all.)฀฀฀฀฀฀฀

Country฀of฀Legal฀Residence฀

฀USA฀฀ ฀Other:฀___________________________฀฀

฀Other:฀___________________________฀

฀

฀USA฀฀฀

฀Other:฀________________________________

Designated฀%฀

Social฀Security฀Number฀(or฀Trust’s฀Tax฀ID฀Number)฀

Name฀(or฀Name฀of฀Trust฀and฀Trustees฀and฀Date฀of฀Trust)

Home฀Street฀Address฀(no฀P.O.฀boxes฀please)฀

City฀

State฀

Zip฀Code

Relationship฀

Telephone฀Number฀

Date฀of฀Birth฀(mm/dd/yyyy)

฀

(฀

)

Country(ies)฀of฀Citizenship฀(Must฀list฀all.)฀฀฀฀฀฀฀

Country฀of฀Legal฀Residence฀

฀USA฀฀ ฀Other:฀___________________________฀฀

฀Other:฀___________________________฀

฀

฀USA฀฀฀

฀Other:฀________________________________

Designated฀%฀

Social฀Security฀Number฀(or฀Trust’s฀Tax฀ID฀Number)฀

Name฀(or฀Name฀of฀Trust฀and฀Trustees฀and฀Date฀of฀Trust)

Home฀Street฀Address฀(no฀P.O.฀boxes฀please)฀

City฀

State฀

Zip฀Code

Relationship฀

Telephone฀Number฀

Date฀of฀Birth฀(mm/dd/yyyy)

฀

(฀

)

Country(ies)฀of฀Citizenship฀(Must฀list฀all.)฀฀฀฀฀฀฀

Country฀of฀Legal฀Residence฀

฀USA฀฀ ฀Other:฀___________________________฀฀

฀Other:฀___________________________฀

฀

฀USA฀฀฀

฀Other:฀________________________________

Designated฀%฀

Social฀Security฀Number฀(or฀Trust’s฀Tax฀ID฀Number)฀

Name฀(or฀Name฀of฀Trust฀and฀Trustees฀and฀Date฀of฀Trust)

Home฀Street฀Address฀(no฀P.O.฀boxes฀please)฀

City฀

State฀

Zip฀Code

Relationship฀

Telephone฀Number฀

Date฀of฀Birth฀(mm/dd/yyyy)

฀

(฀

)

Country(ies)฀of฀Citizenship฀(Must฀list฀all.)฀฀฀฀฀฀฀

Country฀of฀Legal฀Residence฀

฀USA฀฀ ฀Other:฀___________________________฀฀

฀Other:฀___________________________฀

฀

฀USA฀฀฀

฀Other:฀________________________________

Name฀of฀Custodian฀

As฀Custodian฀for฀(Name฀of฀Minor฀Beneficiary)

฀

Under฀the฀UTMA/UGMA฀laws฀of฀the฀state฀of฀___________________฀until฀age฀_________________฀.

Name฀of฀Custodian฀

As฀Custodian฀for฀(Name฀of฀Minor฀Beneficiary)

฀

Under฀the฀UTMA/UGMA฀laws฀of฀the฀state฀of฀___________________฀until฀age฀_________________฀.

Name฀of฀Custodian฀

As฀Custodian฀for฀(Name฀of฀Minor฀Beneficiary)

฀

Under฀the฀UTMA/UGMA฀laws฀of฀the฀state฀of฀___________________฀until฀age฀_________________฀.

Name฀of฀Custodian฀

As฀Custodian฀for฀(Name฀of฀Minor฀Beneficiary)

฀

Under฀the฀UTMA/UGMA฀laws฀of฀the฀state฀of฀___________________฀until฀age฀_________________฀.

฀ Signature(s)฀

X

฀ Required฀

฀

Account฀Holder’s฀Signature฀

฀

Date

฀ ฀

฀

X

Additional฀Account฀Holder’s฀Signature฀

฀

Date

A.฀Amendment฀and฀Account฀Agreement.฀The฀

If฀it฀cannot฀be฀determined฀whether฀a฀beneficiary฀฀

date฀of฀birth฀or฀relationship฀to฀account฀holder.฀We฀

Designated฀Beneficiary฀Plan฀(the฀“Plan”)฀adds฀to,฀but฀

survived฀the฀account฀holder฀by฀120฀hours,฀the฀benefi-

will฀have฀no฀responsibility฀for฀locating฀designated฀

does฀not฀replace฀any฀of,฀the฀terms฀and฀conditions฀

ciary฀will฀be฀deemed฀not฀to฀have฀survived฀that฀period.฀

beneficiaries.฀We฀reserve฀the฀right,฀in฀our฀sole฀

of฀your฀Schwab฀One®฀or฀Schwab฀Access®฀Account฀

E.฀Revocation฀and฀Changes฀to฀Beneficiary฀

discretion,฀to฀require฀additional฀documentation,฀to฀

Agreements฀and฀any฀other฀agreements฀between฀you฀

consult฀counsel,฀and฀to฀institute฀legal฀proceedings฀in฀

Designations.฀You฀may฀change฀your฀named฀฀

and฀Schwab฀that฀apply฀to฀your฀accounts฀with฀Charles฀

order฀to฀determine฀the฀proper฀distribution฀of฀account฀

beneficiaries,฀change฀the฀percentages฀that฀you฀wish฀

Schwab฀&฀Co.,฀Inc.฀(“Schwab”).฀The฀Plan฀consists฀

assets,฀which฀shall฀be฀at฀the฀expense฀of฀the฀account.฀

to฀distribute,฀or฀revoke฀your฀entire฀Plan฀at฀any฀time.฀

of฀the฀Plan฀Application,฀including฀the฀Plan฀Terms฀of฀

A฀subsequent฀beneficiary฀designation฀automatically฀

Schwab฀reserves฀the฀right฀to฀withhold฀a฀certain฀

Agreement,฀and฀any฀other฀agreements฀between฀you฀and฀

revokes฀a฀prior฀designation฀of฀all฀beneficiaries,฀in฀its฀

portion฀of฀the฀proceeds฀payable฀to฀any฀beneficiary,฀฀

Schwab฀that฀apply฀to฀the฀Plan.฀If฀any฀of฀the฀Plan฀Terms฀

entirety,฀when฀it฀becomes฀effective.฀In฀order฀to฀be฀

the฀distribution฀to฀whom฀would฀be฀subject฀to฀tax฀under฀

of฀Agreement฀should฀conflict฀with฀those฀of฀any฀other฀

effective,฀these฀changes฀must฀be฀made฀in฀writing,฀

Chapter฀13฀(Generation-Skipping฀Tax)฀or฀any฀other฀

agreements฀that฀apply฀to฀your฀Schwab฀One฀or฀Schwab฀

signed฀by฀all฀living฀account฀holders฀and฀delivered฀to฀

provision฀of฀the฀Internal฀Revenue฀Code,฀or฀under฀

Access฀accounts,฀as฀they฀may฀be฀amended฀from฀time฀

Schwab฀prior฀to฀the฀account฀holder’s฀death.฀Schwab฀

applicable฀state฀laws.฀

to฀time,฀the฀Plan฀Terms฀of฀Agreement฀will฀control.฀

will฀not฀honor฀any฀change฀of฀beneficiary฀made฀in฀a฀will฀

G.฀Suitability฀of฀the฀Plan฀for฀You.฀You฀acknowledge฀

Unless฀otherwise฀defined,฀capitalized฀terms฀in฀the฀Plan฀

or฀trust,฀except฀as฀required฀by฀court฀order฀delivered฀to฀

that฀Schwab฀has฀not฀advised,฀nor฀will฀advise,฀you฀

Terms฀of฀Agreement฀have฀the฀same฀meaning฀as฀in฀the฀

Schwab.฀

on฀whether฀the฀Plan฀is฀appropriate฀for฀you.฀You฀

Schwab฀One฀or฀Schwab฀Access฀Account฀Agreements.

An฀attorney-in-fact,฀guardian,฀conservator฀or฀other฀

acknowledge฀that฀a฀Plan฀is฀a฀substitute฀for฀a฀will,฀

B.฀Limited฀Availability.฀Only฀Schwab฀One฀or฀

duly฀authorized฀and฀acting฀representative฀of฀the฀

trust฀or฀other฀testamentary฀disposition฀of฀those฀

Schwab฀Access฀accounts฀with฀Individual฀or฀Joint฀

account฀holder฀may฀change฀or฀revoke฀the฀beneficiary฀

assets฀subject฀to฀the฀Plan฀designation฀and฀may฀

Tenants฀with฀Rights฀of฀Survivorship฀(or฀Community฀

designation฀only฀if฀specifically฀authorized฀by฀a฀court฀

have฀significant฀tax,฀estate฀planning฀or฀other฀legal฀

Property฀with฀Rights฀of฀Survivorship)฀registrations฀are฀

order฀or฀other฀instrument฀of฀appointment฀delivered฀

consequences.฀Schwab฀recommends฀that฀you฀seek฀

eligible฀for฀the฀Plan.฀Accounts฀registered฀as฀Tenants-

and฀acceptable฀to฀Schwab.

advice฀from฀your฀tax฀or฀estate฀planning฀advisor฀prior฀฀

in-Common฀or฀Community฀Property฀without฀Rights฀of฀

Changes฀in฀the฀relationship฀between฀the฀account฀

to฀enrolling฀in฀the฀Plan.

Survivorship฀(and฀IRAs฀or฀other฀retirement฀accounts)฀

holder(s)฀and฀any฀designated฀beneficiary,฀including,฀

You฀further฀acknowledge฀that฀this฀Plan฀does฀not฀

are฀ineligible.฀Your฀primary฀residence฀must฀be฀in฀a฀

but฀not฀limited฀to,฀subsequent฀marriage,฀dissolution฀฀

constitute฀a฀trust฀and฀that฀Schwab฀has฀no฀fiduciary฀

state฀in฀which฀Schwab฀offers฀the฀Plan.฀By฀enrolling฀

of฀marriage,฀remarriage฀or฀adoption,฀will฀not฀automati-

duty฀as฀a฀trustee฀under฀this฀Plan.฀

in฀the฀Plan,฀you฀represent฀to฀us฀that฀your฀primary฀

cally฀add฀or฀revoke฀designations฀of฀beneficiaries.฀

residence฀is฀in฀one฀of฀these฀states.฀You฀understand฀

H.฀Indemnity.฀Schwab฀shall฀incur฀no฀liability฀for฀

For฀example,฀if฀a฀former฀spouse฀was฀a฀designated฀

that฀the฀Plan฀automatically฀terminates฀at฀any฀time฀you฀

any฀payment฀made฀in฀good฀faith฀pursuant฀to฀the฀

beneficiary฀prior฀to฀dissolution฀of฀the฀marriage,฀the฀

no฀longer฀have฀a฀primary฀residence฀in฀a฀state฀that฀

Plan.฀You,฀on฀behalf฀of฀yourself,฀your฀estate฀and฀your฀

former฀spouse฀would฀remain฀a฀beneficiary฀after฀

allows฀for฀the฀Plan,฀in฀which฀event฀all฀designations฀

successors-in-interest,฀including฀those฀receiving฀

the฀dissolution฀unless฀his฀or฀her฀designation฀as฀a฀

cease฀having฀any฀legal฀effect.฀It฀is฀your฀responsibility฀

payment฀as฀designated฀beneficiaries,฀agree฀to฀

beneficiary฀was฀expressly฀revoked฀in฀writing฀that฀was฀

to฀notify฀us฀in฀writing฀when฀your฀primary฀residence฀

indemnify฀and฀hold฀harmless฀Schwab,฀its฀affiliates฀and฀

received฀by฀Schwab.฀

ceases฀to฀be฀in฀an฀eligible฀state,฀and฀we฀will฀then฀

their฀directors,฀officers,฀employees฀and฀agents฀from฀

cancel฀your฀enrollment฀in฀the฀Plan.฀If฀you฀reestablish฀

F.฀Payment฀on฀Death.฀Beneficiary฀designations฀

and฀against฀all฀claims,฀actions,฀costs฀and฀liabilities,฀

a฀primary฀residence฀in฀a฀state฀where฀Schwab฀offers฀

under฀your฀Plan฀will฀not฀be฀effective฀until฀the฀death฀

including฀attorneys’฀fees,฀arising฀out฀of฀or฀relating฀to:

the฀Plan,฀you฀must฀complete฀a฀new฀Designated฀

of฀the฀last฀surviving฀account฀holder.฀If฀this฀is฀a฀joint฀

•฀ your฀failure฀to฀notify฀Schwab฀of฀a฀change฀in฀primary฀

Beneficiary฀Plan฀Application,฀and฀you฀are฀subject฀

account,฀the฀surviving฀account฀holder฀has฀the฀right฀

residence฀or฀domicile฀that฀may฀cause฀the฀Plan฀not฀

to฀new฀set-up฀fees.฀If฀you฀have฀any฀questions฀as฀to฀

to฀revoke฀the฀Plan฀or฀change฀beneficiaries฀after฀your฀

to฀be฀applicable฀at฀the฀time฀of฀the฀account฀holder’s฀

whether฀your฀primary฀residence฀is฀in฀a฀state฀where฀

death.฀All฀assets฀in฀your฀Plan฀must฀be฀held฀at฀Schwab฀

death;

Schwab฀offers฀the฀Plan,฀please฀visit฀www.schwab.com฀

in฀order฀to฀be฀distributed฀to฀the฀named฀beneficiaries฀

•฀ any฀conflicting฀designations฀of฀the฀assets฀in฀your฀

or฀your฀local฀branch,฀or฀call฀1-800-742-6262.

at฀the฀last฀surviving฀account฀holder’s฀death.฀Transfers฀

C.฀Plan฀Fees.฀You฀will฀be฀charged฀a฀setup฀fee฀of฀$25฀

to฀a฀beneficiary(ies)฀include฀any฀interest,฀earnings,฀

account฀by฀will,฀revocable฀living฀trust฀or฀any฀other฀

instrument;

dividends,฀etc.,฀associated฀with฀these฀account฀assets฀

to฀enroll฀in฀the฀Plan.฀After฀the฀last฀account฀holder’s฀

but฀not฀paid฀or฀credited฀before฀the฀death฀of฀the฀last฀

•฀ any฀written฀change฀of฀designated฀beneficiaries฀

death,฀any฀assets฀in฀the฀account฀that฀are฀transferred฀

out฀of฀Schwab฀in฀certificate฀form฀will฀be฀assessed฀the฀

surviving฀account฀holder.฀Schwab฀has฀no฀duty฀to฀

that฀you฀have฀made฀that฀is฀not฀received฀by฀Schwab฀

fees฀then฀being฀charged฀by฀Schwab฀to฀distribute฀in฀

withhold฀a฀transfer฀based฀on฀knowledge฀of฀an฀adverse฀

during฀the฀lifetime฀of฀the฀account฀holder;฀and

certificate฀form.

claim฀unless฀written฀notice฀is฀given฀of฀that฀claim฀that฀

•฀ any฀other฀claims฀or฀disputes฀not฀due฀to฀Schwab’s฀

affords฀Schwab฀reasonable฀opportunity฀to฀act฀prior฀

D.฀Designation฀of฀Beneficiaries.฀You฀must฀desig-

fault฀or฀negligence.

to฀making฀the฀transfer.฀It฀is฀the฀responsibility฀of฀each฀

nate฀your฀beneficiaries฀in฀writing฀on฀the฀form฀provided.฀

I.฀Governing฀Law.฀The฀Plan฀and฀its฀provisions฀

beneficiary฀designated฀under฀the฀Plan฀to฀notify฀Schwab฀

Only฀beneficiaries฀identified฀by฀name฀(including฀trusts)฀

of฀the฀death฀of฀the฀account฀owner฀and฀to฀provide:฀฀

are฀effective฀immediately฀upon฀the฀execution฀of฀

will฀share฀in฀the฀account฀proceeds.฀The฀designation฀of฀

(1)฀a฀completed฀Designated฀Beneficiary฀Plan฀

this฀application฀and฀receipt฀by฀Schwab.฀The฀Plan฀is฀

named฀individuals฀who฀may฀be฀in฀the฀same฀class฀as฀

Distribution฀Form;฀(2)฀a฀certified฀copy฀of฀the฀death฀

governed฀by฀California฀law฀and฀applicable฀federal฀law,฀

other฀individuals฀(e.g.,฀children฀and฀grandchildren)฀will฀

certificate;฀(3)฀a฀notarized฀Affidavit฀of฀Domicile;฀and฀฀

as฀applied฀to฀contracts฀entered฀into฀and฀completely฀

not฀automatically฀include฀the฀other฀members฀of฀the฀

(4)฀a฀tax฀waiver฀if฀required฀by฀state฀law.฀Furthermore,฀it฀

performed฀within฀California.฀

class,฀regardless฀of฀the฀class฀before฀or฀after฀the฀date฀

may฀be฀necessary฀to฀require฀proof฀of฀the฀beneficiary’s฀

of฀this฀application.

Throughout฀this฀agreement,฀the฀words฀“you,”฀“your”฀and฀

designations฀will฀remain฀in฀effect฀until฀changed฀or฀

Plan฀may฀have฀significant฀tax,฀estate฀planning฀or฀other฀

“yours”฀refer฀to฀each฀account฀holder.฀“Schwab฀Bank,”฀

cancelled฀by฀you.฀During฀your฀lifetime,฀this฀account฀

legal฀consequences.฀We฀recommend฀that฀you฀seek฀

“we,”฀“us”฀and฀“our”฀refer฀to฀Charles฀Schwab฀Bank,฀N.A.฀

belongs฀to฀you.฀You฀may฀close฀the฀account,฀remove฀or฀

advice฀from฀your฀tax฀or฀estate฀planning฀advisor฀prior฀to฀

Any฀capitalized฀terms฀not฀defined฀in฀these฀Terms฀of฀

add฀a฀beneficiary,฀change฀the฀account฀type฀or฀account฀

enrolling฀in฀the฀Bank฀Plan.฀You฀further฀acknowledge฀

Agreement฀with฀Schwab฀Bank฀can฀be฀found฀in฀your฀

ownership,฀and฀withdraw฀all฀or฀part฀of฀the฀account฀

that฀this฀Bank฀Plan฀does฀not฀constitute฀a฀trust฀and฀

Schwab฀Bank฀Deposit฀Account฀Agreement.฀

balance.฀Any฀designation,฀revocation฀or฀change฀to฀

that฀Schwab฀Bank฀is฀not฀a฀trustee.฀Furthermore,฀we฀

A.฀Amendment฀and฀Account฀Agreement.฀This฀

a฀beneficiary฀designation฀must฀be฀authorized฀by฀all฀

have฀no฀fiduciary฀obligations฀to฀you฀under฀this฀Bank฀

surviving฀account฀holders.฀฀

Plan.

“Designated฀Beneficiary฀Plan—Investor฀Checking฀

Account:฀Terms฀of฀Agreement฀with฀Schwab฀Bank”฀

D.฀Payment฀on฀Death.฀Upon฀the฀death฀of฀the฀holder฀

F.฀Indemnity.฀We฀shall฀incur฀no฀liability฀for฀any฀

supplements฀and฀is฀part฀of฀the฀Schwab฀Bank฀Deposit฀

or,฀if฀there฀are฀co-holders,฀the฀last฀surviving฀co-

payment฀made฀in฀good฀faith฀under฀this฀Bank฀Plan.฀

Account฀Agreement,฀which฀includes฀an฀arbitration฀

holder,฀any฀Available฀Funds฀remaining฀in฀the฀Investor฀

You,฀on฀behalf฀of฀yourself,฀your฀estate฀and฀your฀

provision,฀which฀you฀received฀at฀account฀opening.฀

Checking฀account฀belong฀to฀the฀then-surviving฀(if฀

successors-in-interest,฀including฀those฀receiving฀

The฀Designated฀Beneficiary฀Plan฀with฀Schwab฀Bank฀

any)฀beneficiary(ies),฀subject฀to฀our฀right฀to฀charge฀

payment฀as฀designated฀beneficiaries,฀agree฀to฀

(the฀“Bank฀Plan”)฀consists฀of฀the฀Schwab฀Designated฀

the฀account฀for฀any฀amount฀the฀deceased฀holder,฀

indemnify฀and฀hold฀harmless฀Schwab฀Bank,฀its฀

Beneficiary฀Plan฀Application฀and฀these฀Terms฀of฀

co-holder฀or฀beneficiary฀owes฀us.฀A฀beneficiary฀will฀

affiliates฀and฀their฀directors,฀officers,฀employees฀and฀

Agreement฀with฀Schwab฀Bank.฀If฀there฀is฀a฀conflict฀

acquire฀an฀interest฀in฀the฀Investor฀Checking฀account฀

agents฀from฀and฀against฀all฀claims,฀actions,฀costs฀and฀

between฀the฀terms฀in฀the฀Bank฀Plan฀and฀the฀terms฀

only฀after฀the฀death฀of฀all฀account฀holders฀and฀then฀

liabilities,฀including฀attorneys’฀fees,฀arising฀out฀of฀or฀

of฀any฀other฀agreement฀that฀applies฀to฀your฀Investor฀

only฀if฀the฀beneficiary(ies)฀is฀(are)฀alive.฀Upon฀your฀

relating฀to:

Checking฀account,฀the฀terms฀in฀the฀Bank฀Plan฀shall฀

death,฀the฀Available฀Funds฀in฀your฀Investor฀Checking฀

•฀ your฀failure฀to฀notify฀us฀of฀a฀change฀in฀primary฀

control.฀

account฀listed฀on฀this฀application฀will฀become฀the฀

residence฀that฀may฀cause฀the฀Bank฀Plan฀not฀to฀be฀

property฀of,฀and฀payable฀to,฀the฀beneficiary(ies)฀

B.฀Limited฀Availability.฀Only฀Investor฀Checking฀

applicable฀at฀the฀time฀of฀any฀account฀holder’s฀death;

listed฀on฀this฀application฀who฀survive(s)฀the฀last฀

accounts฀with฀Individual฀or฀Joint฀Tenants฀with฀Rights฀

•฀ any฀conflicting฀designations฀of฀the฀assets฀in฀your฀

surviving฀account฀holder฀by฀120฀hours.฀If฀it฀cannot฀

of฀Survivorship฀registrations฀are฀eligible฀for฀the฀Bank฀

Investor฀Checking฀account฀by฀will,฀revocable฀living฀

be฀determined฀whether฀a฀beneficiary฀survived฀the฀

Plan.฀Other฀registration฀types฀are฀ineligible฀for฀the฀

trust฀or฀any฀other฀instrument;

account฀holder฀by฀120฀hours,฀the฀beneficiary฀will฀be฀

Bank฀Plan.฀Your฀primary฀residence฀must฀be฀within฀the฀

deemed฀not฀to฀have฀survived฀that฀period.฀Please฀be฀

•฀ any฀written฀change฀of฀designated฀beneficiaries฀that฀

United฀States฀in฀a฀state฀where฀Schwab’s฀Designated฀

advised฀that฀surviving฀account฀holders฀may฀change฀

you฀have฀made฀that฀is฀not฀received฀by฀us฀during฀

Beneficiary฀Plan฀is฀offered.฀If฀your฀primary฀residence฀

the฀beneficiary(ies)฀at฀any฀time.

your฀lifetime;฀and

subsequently฀changes฀to฀a฀state฀where฀Schwab’s฀

Designated฀Beneficiary฀Plan฀is฀not฀offered,฀this฀Bank฀

If฀there฀is฀an฀Overdraft฀Credit฀Line฀(OCL)฀associated฀

•฀ any฀other฀claims฀or฀disputes฀not฀due฀to฀our฀fault฀or฀

Plan฀and฀your฀beneficiary฀designation฀will฀no฀longer฀

with฀your฀Investor฀Checking฀account,฀we฀may฀use฀

negligence.

be฀valid.

the฀funds฀in฀your฀Investor฀Checking฀account฀(or฀

G.฀Governing฀Law.฀The฀Bank฀Plan฀and฀its฀provisions฀

C.฀Designation฀of฀Beneficiaries:฀Revocation฀and฀

other฀accounts฀you฀hold฀at฀Schwab฀Bank)฀to฀pay฀all฀

are฀effective฀immediately฀upon฀the฀execution฀of฀

amounts฀owing฀on฀your฀OCL฀before฀we฀distribute฀any฀

Changes฀to฀Beneficiary฀Designation.฀You฀may฀

this฀application฀and฀receipt฀by฀us.฀These฀Terms฀of฀

funds฀to฀the฀beneficiary(ies).฀฀

designate฀your฀Investor฀Checking฀account฀to฀be฀

Agreement฀with฀Schwab฀Bank฀are฀governed฀by฀

payable฀on฀your฀death฀to฀a฀designated฀beneficiary(ies)฀

E.฀Suitability฀for฀You.฀You฀acknowledge฀that฀we฀

Nevada฀law฀and฀applicable฀federal฀law.

by฀naming฀them฀on,฀and฀executing,฀the฀Schwab฀

have฀not฀advised฀you฀on฀whether฀the฀Bank฀Plan฀is฀

Designated฀Beneficiary฀Plan฀Application.฀These฀

appropriate฀for฀you.฀You฀acknowledge฀that฀the฀Bank฀