Delivered-To: tjphuhs@gmail.com
Received: by 2002:a5d:4605:0:b0:435:ab39:4520 with SMTP id t5csp1948437wrq;
        Mon, 2 Feb 2026 19:28:59 -0800 (PST)
X-Received: by 2002:a05:620a:1791:b0:8b2:d256:d064 with SMTP id af79cd13be357-8c9eb2faf43mr1693618385a.41.1770089338924;
        Mon, 02 Feb 2026 19:28:58 -0800 (PST)
ARC-Seal: i=1; a=rsa-sha256; t=1770089338; cv=none;
        d=google.com; s=arc-20240605;
        b=OV03c/H1OlSTP74XqpfEWrLX84YoMcNKfK3J3kDbaveNHhxuSvvpA5geHqbJ2dFaDK
         +DOoukdC1HlgjoXDshT4QlY4xvBYf1E+jnY/O4RN4SS/rlu6ruCRdG3Mc2YnzSU+dVx7
         yx6QHnftUgySOHLgHABrXtP7Jac+HzzHqdqFTXYYeX3xSpJnqcdVX7HebKbMdVmpLakg
         POUpHhh5BhoUXCyfijyxfweGNAaKzQGL/niBj36FgIBiUtvJtnEPMAatjRq+CCmuLZP4
         7JDLzo4U3HEdTlbCrUcaBnqUaKpvDideNz4s1PZBIUq6dYYtbMo7oETPL801AYKIPWp7
         Aqhw==
ARC-Message-Signature: i=1; a=rsa-sha256; c=relaxed/relaxed; d=google.com; s=arc-20240605;
        h=feedback-id:message-id:reply-to:mime-version:list-help:date:subject
         :to:from:dkim-signature:dkim-signature;
        bh=ngWSu/PaC5QctV3VCiR9jcCbfSyUAthFBXVo4S2J+58=;
        fh=aUbTe0PB4rBmjvxO+ACBuKX8nUsE2vLi02KV92FPMDs=;
        b=OR7bNGr8TXRmaVLJiI5qJLB+l2sx6uE3aUfE0gNwxvNGZ+sAYi1K1FrvoiHnMwzT3h
         zchgT6d8vZOBtiFA3tLPPeC/583I6jSzoUJlh/AIYT5leMiDEbjEfroXi7miNeyq4WR5
         3nOAIEGR0GmuAxJ5X2ev9rbX03wpifVNpr7DFDl4N2O/7aTVGSy1Y0S6JDTCckVXcYXO
         PaeSOWz40s9mHnzDRy+ErQQcy/sEKpzjtUjaxNi/rkvCcSZgbR0F08GpebgZgkabGKV4
         W0/wr2qI8bFHr5g98sSDhkniaGe9AfnBCy304fzAZgSqS7TCGwZ2fSpdCyLNomkQ/xyq
         dZ8A==;
        dara=google.com
ARC-Authentication-Results: i=1; mx.google.com;
       dkim=pass header.i=@mail.schwab.com header.s=200608 header.b=HFaLF5BM;
       dkim=pass header.i=@s7.y.mc.salesforce.com header.s=fbldkim7 header.b=sbkt9eup;
       spf=pass (google.com: domain of bounce-2sn6nqxq7ftunaknvdbhaisnmq.70251@bounce.mail.schwab.com designates 13.111.188.251 as permitted sender) smtp.mailfrom=bounce-2SN6NQXQ7FTUNAKNVDBHAISNMQ.70251@bounce.mail.schwab.com;
       dmarc=pass (p=REJECT sp=REJECT dis=NONE) header.from=mail.schwab.com
Return-Path: <bounce-2SN6NQXQ7FTUNAKNVDBHAISNMQ.70251@bounce.mail.schwab.com>
Received: from mta12.mail.schwab.com (mta12.mail.schwab.com. [13.111.188.251])
        by mx.google.com with ESMTPS id 6a1803df08f44-894d3836d38si204822426d6.574.2026.02.02.19.28.58
        for <tjphuhs@gmail.com>
        (version=TLS1_2 cipher=ECDHE-ECDSA-AES128-GCM-SHA256 bits=128/128);
        Mon, 02 Feb 2026 19:28:58 -0800 (PST)
Received-SPF: pass (google.com: domain of bounce-2sn6nqxq7ftunaknvdbhaisnmq.70251@bounce.mail.schwab.com designates 13.111.188.251 as permitted sender) client-ip=13.111.188.251;
Authentication-Results: mx.google.com;
       dkim=pass header.i=@mail.schwab.com header.s=200608 header.b=HFaLF5BM;
       dkim=pass header.i=@s7.y.mc.salesforce.com header.s=fbldkim7 header.b=sbkt9eup;
       spf=pass (google.com: domain of bounce-2sn6nqxq7ftunaknvdbhaisnmq.70251@bounce.mail.schwab.com designates 13.111.188.251 as permitted sender) smtp.mailfrom=bounce-2SN6NQXQ7FTUNAKNVDBHAISNMQ.70251@bounce.mail.schwab.com;
       dmarc=pass (p=REJECT sp=REJECT dis=NONE) header.from=mail.schwab.com
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; s=200608; d=mail.schwab.com;
 h=From:To:Subject:Date:List-Help:MIME-Version:Reply-To:Message-ID:Content-Type;
 i=donotreply@mail.schwab.com;
 bh=ngWSu/PaC5QctV3VCiR9jcCbfSyUAthFBXVo4S2J+58=;
 b=HFaLF5BMtCwmHtIkiMNDifbkf8uv7ZOapUQU+e0wTughGXprYY5cS3C3FJEjTcBZsBr/Q8+szEzw
   /zpMFyBurDdn0DfL9iu+WesXoa7CmgXqQHu6jCG/N8UHHarbtSA7bc4SR8VLpoRpFkYGcRJvesN3
   4kUI3NZKzCeedwKb5C8=
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; s=fbldkim7; d=s7.y.mc.salesforce.com;
 h=From:To:Subject:Date:List-Help:MIME-Version:Reply-To:Message-ID:Content-Type;
 bh=ngWSu/PaC5QctV3VCiR9jcCbfSyUAthFBXVo4S2J+58=;
 b=sbkt9eupX76AFJtACyjKr8qm98tCbwY1ZDpoI8uCT1f9os2Fvwj/4eW9T6gXAA7nbuaGL2I2xbLo
   M6ABpBe/FKBC5JE0r2QpBbJihpMWhYgpHY+hQxf5znOe5zKnH7otCZdi+rfclw6/tRhZ5ZHGHusy
   +X62jy6F/4pZtgC5yCO9KKOnVWX/GMQAduaxm+nx5XXj6x3ibg0tA3w+7LBBmZu92OoaN5SAkBV2
   SfvhR4v4HiCJBCEbDe4hlnzHQEDHO1jYyUgzMAcXLOCcfYVN2HkZp6O0/2SDx840aTUXCFMtVkM/
   JNLdghw/sK5/nYat7zZmsw0SKUMmI09Ko/krNg==
Received: by mta12.mail.schwab.com id hg5lnk2fmd40 for <tjphuhs@gmail.com>; Tue, 3 Feb 2026 03:28:57 +0000 (envelope-from <bounce-2SN6NQXQ7FTUNAKNVDBHAISNMQ.70251@bounce.mail.schwab.com>)
From: "Charles Schwab & Co., Inc." <donotreply@mail.schwab.com>
To: <tjphuhs@gmail.com>
Subject: Your account eStatement is available
Date: Mon, 02 Feb 2026 21:28:57 -0600
List-Help: <https://click.mail.schwab.com/subscription_center.aspx?jwt=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJtaWQiOiI1MTgwMDM2NzAiLCJzIjoiMTI2NzgwNjM4IiwibGlkIjoiMzMiLCJqIjoiNzk1MjMxIiwiamIiOiIyNjAwNyIsImQiOiI3MDI1MSJ9.5XlVtb7zDuB-dLNABW7FelRdag5D_iiM9zId7oN4x60>
MIME-Version: 1.0
Reply-To: "Charles Schwab & Co., Inc." <reply-V3KZYMB3NKOELBS6KHV6F7IZCE.70251@mail.schwab.com>
X-SFMC-Stack: 7
x-job: 518003670_795231
Message-ID: <1ecea41e-99d1-4654-99c9-3a61c5e47a11@atl1s07mta3151.xt.local>
Feedback-ID: 518003670:795231:13.111.188.251:sfmktgcld
Content-Type: multipart/alternative;
	boundary="JxftGArdwZzU=_?:"

This is a multi-part message in MIME format.

--JxftGArdwZzU=_?:
Content-Type: text/plain;
	charset="utf-8"
Content-Transfer-Encoding: 8bit


 

 















 
 

 
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjlkMmZmMzE5LTY4ZTktNGE0Zi1iZjQ1LTY0NTM2MTBjODM2ZCIsImRla1ZlcnNpb24iOjEsIml2IjoibExMWVFZYktaall0NWhjbGw4cDg3Zz09IiwiY2lwaGVyVGV4dCI6IjNRclpqWGxJakp6dWxZSWRqVzUvUzhVejdxYzhWajlVRVBDd2FCdGlnYytGbGIrSWVVblBhUTFCb0tGTlJ3NWFVWTFDNU9zdmV6UWNjdnZuZ2FqdHloTndSMHBJTVpzN2dsaVVzdGhCaHNwbU5pM21GeVdYeW56dSIsImF1dGhUYWciOiIrK2VCcU8zS0UzQkhTa2d4bXp1Q1dBPT0ifQ%3D%3D 

Your Schwab eStatement is ready.
 
 
 
Log in to view your recent account statement:
 
View statement
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjRhMmJhNmU1LTMwZTUtNDU5Ni04YzA5LWExNTg2MGY4MTJjMyIsImRla1ZlcnNpb24iOjEsIml2IjoiWXU1Tk40bWZ5S3hQUTZSQ0I4SjhWdz09IiwiY2lwaGVyVGV4dCI6InAvOFkza3paZVJnQkZGSHNwVWpabUZRS0k0SmZIcUJsNFQxdjVMMndRaE0zYjhUMTVxWWFUMDljTU9VZDhXSnZ1MkJaZW9DNEJvcGY1aEdaYlFQZ2FpMi9ucW9waGtCdjdnOWk3azAzaVovSXJFOURwRUlId254WCIsImF1dGhUYWciOiJFWmx0QStCcUxiK2VxaW1HUUcvdUR3PT0ifQ%3D%3D
 
Or go to  schwab.com/statements
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjYwMjlhZGQ3LTNhZDEtNGEyNi1hYWZjLWQwZWNhYWU3MTAwMCIsImRla1ZlcnNpb24iOjEsIml2IjoiSk5sYTFSTDJHaENnZEdrcmc1UkJmdz09IiwiY2lwaGVyVGV4dCI6IjUrWkpjOGc3NG4zTUJySTdqZHVnNXdCcHd0NWhyU0Z4NUFVc1VtUllzY3R5bVM1ZUhJdWxGV0RMTkllUDZ2dUJEU3BnRlFZcEJLMFVpbDB0eFlubnpwRUtHeitXeU55K0Fyc2syVnJWRXZZYUVLQjBhU3VEbEVGLyIsImF1dGhUYWciOiJYUzNGaWVmT2tRb2JQNWJJM0w0Q3V3PT0ifQ%3D%3D
.
 
Haven't set up your Schwab Login ID and password yet?
 
Visit schwab.com/firsttimeuser
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6ImZhMThmODkzLTI0MTYtNDJjMS1hOWVjLTNlMmEwNWQ3ZmIxYyIsImRla1ZlcnNpb24iOjEsIml2IjoibW5IcVZ6UVBTaXBaUFpXNmF6VVkrUT09IiwiY2lwaGVyVGV4dCI6IkhLL0tOVUZ1TnJQL2d6Nm8yNWk0OW9VNGJaM1M2NXU2UHJxK3Fxd0Q1TWNBR2tKZEtaUXgzTXRXcFVyOWJOS3VGYllLbm9wdGc4d0VrUEZ0MWlhWUF5aFppei9qRXhlSlJpZWFjZXBYTkE5S0tsazlsYnByTlJqNSIsImF1dGhUYWciOiI4VzNXSnBnREtGbUxQK01URjRsR0p3PT0ifQ%3D%3D
to begin the quick, guided process.

For questions about your statement, please call 800-435-4000. For clients outside of the U.S., please call +1 415-667-8400.
 

 

 
Access your account with your voice.
 
Schwab’s voice ID service1 allows you to access your account just by speaking the simple phrase, “At Schwab, my voice is my password.”
 
Enroll now by calling 800-435-4000. For clients outside of the U.S., please call +1 415-667-8400.
 

 
Thank you for investing with Schwab.
 
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjlkZDZhZjgyLWUwY2UtNDM3ZC05ZWMwLWQ4MWU5ZDk1YjFjYSIsImRla1ZlcnNpb24iOjEsIml2IjoicXBsZ0QxNGhmYnpUY0dycUh6RThjdz09IiwiY2lwaGVyVGV4dCI6Ikx6VDF6dS82MEk0ZkpVejBXa1NDNkVpRFhiQ1o4Rncxb1FFUEhvU1hqLzZJTmZSKzBpL0o3WlI1U1haYTJlR1NoUi9VNWxmNDU5REl1Vi9QV1hUNldueTBNSTV4WE5CbVJ0eXFtV0FQWGlGOXZOTndhdW9mTVR4eiIsImF1dGhUYWciOiJYODlaZFBwYWZMUXdqbkZjMEdaRzNBPT0ifQ%3D%3D 
UNSUBSCRIBE 
 |
 
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6ImU5ZDJlYTg2LTc0NjUtNDA4Yy04OGUxLWM5NDljODY1NTc3OCIsImRla1ZlcnNpb24iOjEsIml2IjoiWW82alhxSkdtZU43T1RZQnZoaUJ1dz09IiwiY2lwaGVyVGV4dCI6IkUxWlVTSXZmdExFWWpJVVhYTGViMTBMYzl6aDk4b2JZR1V1WXd1THI4Q2M5SDlhdEdSWE1IVDlxbG9XVkRVTHpYelU0MTd6UDc2WWFpbGJNU2JZMXpSRU9aWnJyT1J1OEx0UmlqcU5lb2thWjQzczVOZ0crR0lHNyIsImF1dGhUYWciOiJWc3hKdGpYTkVRNWxtdXM1Rzd3dTFBPT0ifQ%3D%3D 
PRIVACY 
 |
 
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjBjYWFhNTg2LTI1ZWQtNDViZS1hMGRhLWNjYTZmZTdkMDM1OCIsImRla1ZlcnNpb24iOjEsIml2IjoiUFg1LzcrRTR0UmdNK1U0NzFVcklTUT09IiwiY2lwaGVyVGV4dCI6IlYxbEh2RDliemFBdWZmUFBQemdsMkxHcXlqdDFXZDJaWUk3Z216RXFNNWtTRUZSU0ZaalY2UGJUSy9uQ2lQMkdxU3hvdU5JU1c5WEhSNS9ZdDQ4VmRscGxjK3hMQVUvQWx1UTlmbi92NFRpMUdBejVUanZWU3NoSiIsImF1dGhUYWciOiJuOWkzanhWMldtVno3RXNCVDhDVzVBPT0ifQ%3D%3D 
CONTACT US 
 |
 
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6ImMyOWJiNjhmLTZkMDktNDc2OC05YWJlLWVkODdkNzQ5NGEzMiIsImRla1ZlcnNpb24iOjEsIml2IjoieEVsQSs2UkxPeGhpbjdEOW9tTmRrUT09IiwiY2lwaGVyVGV4dCI6InFLWklpWkxEbTZlcWFDUXFHQVNIQXoycHJPQllHUUxjMjlQbTkvUXl4V29UbDgzUW1qZWNyVFRuaDFxbENNRStBVHNNRzJjTkw5S0QzWVFIZ2VTQkdOVzFIQkxVditqb2dJUEVTVUQ3cEVzN0dHS2ZzUDJpWTEyUiIsImF1dGhUYWciOiJoQWVCNUlFWTFiVWNFdFMvNk9pQWd3PT0ifQ%3D%3D 
LOG IN 
 
1Schwab’s voice ID service is not available on all Schwab contact numbers.


INVESTMENT AND INSURANCE PRODUCTS: NOT A DEPOSIT - NOT FDIC INSURED - NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY - NO BANK GUARANTEE - MAY LOSE VALUE
 

Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products are offered by Charles Schwab & Co., Inc., Member 
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6ImMxNmY2YzdmLTdlMmMtNGViZi1hNjhmLTJmOTk1YmZjNGE0YyIsImRla1ZlcnNpb24iOjEsIml2IjoibHR4SFpTSnBOYTJtTFBvYjIwb3J6QT09IiwiY2lwaGVyVGV4dCI6ImQ1OHJPanUxaGdZL1NRRXpDbE9tSkdFNjVFeE0yeW95TlQzWXkxdUNZMFBZTVBRS2NPYVFCUGF0N1ZhV0FRa1kzbXY1WDd2aGlTMkRaY3d3RmRiUHNYV2h6dFZZaURDekNYZVczRWRsSW1rMXJhWXMraHZiU2l2TSIsImF1dGhUYWciOiJ6REFWMXMreGRhSE8xVmlJTUxNSmR3PT0ifQ%3D%3D 
SIPC . Deposit and lending products are offered by Charles Schwab Bank, SSB, Member 
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6ImQyYWM0OGY3LTI3ZWUtNGI2Ny1iNjU1LWEwOGI5MDk4MmFkMCIsImRla1ZlcnNpb24iOjEsIml2IjoiZ3VGVnhMamM4dHhWd0RMRDVWSFZGdz09IiwiY2lwaGVyVGV4dCI6Ill0dHB3blRFaldTcjFoZkZBM2xUb0J1U3FHNUMxM29mM04rYnA1UGdtVXpWKzVTZWVoOVBEQ2RCZjRKWGZyTzlDVnF4V0hQRWxmSUhxeExtRloxbjk1dGQ2c2E2Ti9ZN0FWdUM0VlhFdU56eTNGWEFNc1BsVWRVWCIsImF1dGhUYWciOiJFdVlWbldmM20xM3F4cm8zOWpzQld3PT0ifQ%3D%3D 
FDIC  and an Equal Housing Lender.
 


 




 
 If you have any questions or concerns, PLEASE DO NOT REPLY TO THIS EMAIL. Instead, visit 
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6ImMyZmNjZWE4LWMzNTAtNDY0Ny1hMWQzLWY2NTc1YWFjMjEyZiIsImRla1ZlcnNpb24iOjEsIml2Ijoiem1CMVpDL1FvZnNINHh5bERRbmFGdz09IiwiY2lwaGVyVGV4dCI6ImxCbHBzV0lYVUFQb2xUdUxDc3BFQlRqbFJ3UXNSWHZwNzVsSU1VQjh6eU55OVRWWktmcXZWNmRsVnY1Sk1MNk56NFFOTGJJNURiY3JsMUMra1hpMXN0UkpGeFh3eEo4ZFAvak9ZSFZrTDlDaCt3ZmpIS1VOQ2RvWCIsImF1dGhUYWciOiJVTDZSZUxXeTFFa1hGZkRFbngwLytBPT0ifQ%3D%3D 
Schwab.com/contactus  to identify a fast and simple way to get in touch.

 

For your protection, we are unable to accept instructions to change your email address sent in reply to this message. To update your address using a secure channel, please 
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjYzZTUyNmQ3LTA1NjItNDA5NS05YjkxLTdhMTAzOGZjODUyMCIsImRla1ZlcnNpb24iOjEsIml2IjoibHh3TUd1RnU4OWdSUkpvS3gya2lxQT09IiwiY2lwaGVyVGV4dCI6InJLcEdFeDczRXNGZVNvK0FEaUJpYW5ha3V2NTkwZXVoR09EcGRFa2M3MkZjbVFUSDF2NER1M1dQTW5kaS82RkpVeWYzdmQ2RHIzUDJNTFNoMGNOK0RJb1pKb1FMZjAydTZEYVhIQXdhNFc3ejJCRkVtZ3JIYVNLbyIsImF1dGhUYWciOiJ0S0hSdzM0TWloa21oQXQvVGE3b05nPT0ifQ%3D%3D 
log in  to your account.



For your security, Charles Schwab will never request personal information through email.



 View 
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjExOGZmZGViLWRiMWUtNDk4ZC04N2UwLWFiN2Y5Yzc2NTYzYSIsImRla1ZlcnNpb24iOjEsIml2IjoiZzdZVERZMEwvZnhyVW9tWFUwenh5Zz09IiwiY2lwaGVyVGV4dCI6IklabXNBd1JaMEdyaGoxUVdjRWFwM0dPaFY0U0V2TEp2MUkvb3VvdzlPTzBMTmNGUUhranFtZWgvNWgxSlpicVNlRWdBSVpBeVA3UStuMnN6MmFIb2V5SHhYNE5qWTJtVVRPMkR0aE1OalF2OS9HdFNpWmRUVFBISyIsImF1dGhUYWciOiJhelBab2VoN0lmRmZnMk5qYVpSTTdRPT0ifQ%3D%3D 
SchwabSafe (R) and 
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6ImJlZWQ1OGVlLWMzYWItNDIzYS1iMTUxLWMzOTJhYjA4OGFiMiIsImRla1ZlcnNpb24iOjEsIml2IjoieUQ1LzNUejJZOEZwSUhFOUZ3c1NQQT09IiwiY2lwaGVyVGV4dCI6IlMyaVZFOGlZYW4veWo5dlZJeEZ4MWdRVFNKVDJITjJwQlJnM1cveFVraENtb1dqVjQxOXN1ZHFmQkZEaThURWRTSTd6RHNYcVdjdEFLUlJMdHNXS2pZa3BYRFRlN1Q1aXc5UElQbi9kUFBaandXa2djVDBYQ3hJOCIsImF1dGhUYWciOiJGRXUyeFlxTmlTbGNOTjd0UG1MRDB3PT0ifQ%3D%3D 
The Schwab Security Guarantee .



Notice: All email sent to or from the Charles Schwab corporate email system is subject to archival, monitoring and/or review by Schwab personnel.



Charles Schwab & Co., Inc., 3000 Schwab Way, Westlake, TX 76262-8104.
 


 (c)2026 Charles Schwab & Co., Inc. All rights reserved. Member 
 
https://click.mail.schwab.com/?qs=eyJkZWtJZCI6Ijg3MTUwZTFiLTcwY2UtNDU5MC1iM2E5LTIxYjIzZDZhNjJhOCIsImRla1ZlcnNpb24iOjEsIml2IjoiOHQwRFV6WXdHc3BpV0drTzhYUm90dz09IiwiY2lwaGVyVGV4dCI6IjN5MlMrYzJjWXNxRTJxdGlFNHJFRktlRWFEREViWkpwcEw5Zm9IVVF5akNNSEREM2kxTnI5Uk1KSXBUTGxNSW5PSlFneXA3U2NYWmtDR2tOTzcwc200Vy8zODlvMG0yR0hNankzUU5UTmpBYXltSllhUTd4ZEdpMyIsImF1dGhUYWciOiJhUTA3dlN5YmhiL2Z6MmpTYllZY3lBPT0ifQ%3D%3D 
SIPC .
 

 
 
 
 
 
 
 

 
  (0122-23ET) ESTRT
 

 
 


--JxftGArdwZzU=_?:
Content-Type: text/html;
	charset="utf-8"
Content-Transfer-Encoding: 8bit

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" lang="en">
  <head>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8" />
    <meta name="viewport" content="width=device-width, initial-scale=1.0, maximum-scale=1.0, user-scalable=yes" />
    <!--[if !mso]><!-->
    <meta http-equiv="X-UA-Compatible" content="IE=edge" />
    <!--<![endif]-->
    <!-- import fonts -->
    <!-- end import fonts -->
    <title>Charles Schwab &amp; Co., Inc.
    </title>
    <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><meta name="color-scheme" content="light dark">
<meta name="supported-color-schemes" content="light dark">
<style type="text/css">
  a:active {
    color: #006e99 !important;
  }
  /* START DARK MODE STYLES */
  :root {
    color-scheme: light dark;
    supported-color-schemes: light dark;
  }
  @media (prefers-color-scheme: dark) {
    a:active {
      color: #006E99 !important;
    }
    .darkBTNbackground {
      background-color: #26580f !important;
    }
    [data-ogsc] .darkBTNbackground {
      background-color: #26580f !important;
    }
    .darkbluebackground {
      background-color: #002c3d !important;
      color: #FFFFFF !important;
    }
    [data-ogsc] .darkbluebackground {
      background-color: #002c3d !important;
      color: #FFFFFF !important;
    }
    .darkbluebackground1 {
      background-color: #002c3d !important;
      color: #8D9AA5 !important;
    }
    [data-ogsc] .darkbluebackground1 {
      background-color: #002c3d !important;
      color: #8D9AA5 !important;
    }
    
    .darkBODYbackground1 {
      background-color: #000000 !important;
    }
    [data-ogsc] .darkBODYbackground1 {
      background-color: #000000 !important;
    }
    
  .dark-background-column {
    background-color: #002C3D !important;
    color: #FFFFFF !important;
  }
  [data-ogsc] .dark-background-column {
    background-color: #002C3D !important;
    color: #FFFFFF !important;
  }
    .dark-background-line {
    border-top:1px solid #CBD1D6 !important; 
  }
  [data-ogsc] .dark-background-line {
    border-top:1px solid #CBD1D6 !important; 
  }  
    
    
    
    
    
    
  .dark-background-link {
          color: #00B7FF !important;
        }
        [data-ogsc] .dark-background-link {
          color: #00B7FF !important;
        }
  .dark-background-line {
          color: #cbd1d6 !important;
        }
        [data-ogsc] .dark-background-line {
          color: #cbd1d6 !important;
        }
    /*-----Promotional dark mode--------*/
    
   .dark-background-link {
   color: #00B7FF !important;
   }
   [data-ogsc] .dark-background-link {
   color: #00B7FF !important;
   }
   .dark-background-linkWhite {
   color: #FFFFFF !important;
   }
   [data-ogsc] .dark-background-linkWhite {
   color: #FFFFFF !important;
   }
   .lightimage1 {
   display: none !important;
   }
   [data-ogsc].lightimage1 {
   display: none !important;
   }
   .darkimageWrapper,
   .darkimage1 {
   display: block !important;
   }
   [data-ogsc].darkimageWrapper,
   .darkimage1 {
   display: block !important;
   }
    /* Shows Dark Mode-Only Content, Like Images */
    .dark-img {
      display:block !important;
      width: auto !important;
      overflow: visible !important;
      float: none !important;
      max-height:inherit !important;
      max-width:inherit !important;
      line-height: auto !important;
      margin-top:0px !important;
      visibility:inherit !important;
    }
    /* Hides Light Mode-Only Content, Like Images */
    .light-img {
      display:none;
      display:none !important;
    }
    /* Shows Dark Mode-Only Content, Like Images */
    [data-ogsc] .dark-img {
      display:block !important;
      width: auto !important;
      overflow: visible !important;
      float: none !important;
      max-height:inherit !important;
      max-width:inherit !important;
      line-height: auto !important;
      margin-top:0px !important;
      visibility:inherit !important;
    }
    /* Hides Light Mode-Only Content, Like Images */
    [data-ogsc] .light-img {
      display:none;
      display:none !important;
    }
    .dark-background {
      background-color: #000000 !important;
      color: #ffffff !important;
    }
    [data-ogsc] .dark-background {
      background-color: #000000 !important;
      color: #FFFFFF !important;
    }
    .dark-background-body {
      background-color: #161A1D !important;
      color: #FFFFFF !important;
    }
    [data-ogsc] .dark-background-body {
      background-color: #161A1D !important;
      color: #FFFFFF !important;
    }
    .dark-background-pipe  {
      background-color: #000000 !important;
      color: #8D9AA5 !important;
    }
    [data-ogsc] .dark-background-pipe  {
      background-color: #000000 !important;
      color: #8D9AA5 !important;
    }
    .dark-background-PH-disclosures {
      background-color: #000000 !important;
      color: #8D9AA5 !important;
    }
    [data-ogsc] .dark-background-PH-disclosures {
      background-color: #000000 !important;
      color: #8D9AA5 !important;
    }
    .dark-background-link {
      color: #00B7FF !important;
    }
    [data-ogsc] .dark-background-link {
      color: #00B7FF !important;
    }
    .dark-background-num-link {
      color: #ffffff !important;
    }
    [data-ogsc] .dark-background-num-link {
      color: #ffffff !important;
    }
    .dark-background-btn {
      background-color: #2D3439 !important;
      border: 1px solid #8D9AA5 !important;
      color: #ffffff !important;
    }
    [data-ogsc] .dark-background-btn {
      background-color: #2D3439 !important;
      border: 1px solid #8D9AA5 !important;
      color: #ffffff !important;
    }
    .light-logo {
      display: none !important;
    }
    [data-ogsc] .light-logo {
      display: none !important;
    }
    .light-mode-statusheader {
      display: none !important;
    }
    [data-ogsc] .light-mode-statusheader {
      display: none !important;
    }
    .AccessCodeFont1 {
      font-family: Arial;
      font-size: 13px;
      color: #8D9AA5;
      line-height: 20px;
    }
    .AccessCodeFont2 {
      font-family: Arial;
      font-size: 19px;
      font-weight: Bold;
      color: #FFFFFF;
      line-height: 28px;
    }
    .DIPWSubhead {
      font-family: Arial;
      font-size: 17px !important;
      font-weight: Bold;
      color: #000000;
      line-height: 24px;
    }
    .DIPWBody {
      font-family: Arial;
      font-size: 17px !important;
      color: #000000;
      line-height: 24px;
    }
    .lightimage1 {
      display: none !important;
    }
    [data-ogsc].lightimage1 {
      display: none !important;
    }
    .darkimageWrapper,
    .darkimage1 {
      display: block !important;
    }
    [data-ogsc].darkimageWrapper,
    .darkimage1 {
      display: block !important;
    }
    .dark-mode-statusheader {
      display: block !important;
      width: auto !important;
      overflow: visible !important;
      float: none !important;
      max-height: inherit !important;
      max-width: inherit !important;
      line-height: auto !important;
      margin-top: 0px !important;
      visibility: inherit !important;
      background-color:  !important;
    }
    [data-ogsc] .dark-mode-statusheader {
      display: block !important;
      width: auto !important;
      overflow: visible !important;
      float: none !important;
      max-height: inherit !important;
      max-width: inherit !important;
      line-height: auto !important;
      margin-top: 0px !important;
      visibility: inherit !important;
      background-color:  !important;
      ;
    }
    .dark-logo {
      display: block !important;
      width: auto !important;
      overflow: visible !important;
      float: none !important;
      max-height: inherit !important;
      max-width: inherit !important;
      line-height: auto !important;
      margin-top: 0px !important;
      visibility: inherit !important;
      background-color: #000000;
    }
    [data-ogsc] .dark-logo {
      display: block !important;
      width: auto !important;
      overflow: visible !important;
      float: none !important;
      max-height: inherit !important;
      max-width: inherit !important;
      line-height: auto !important;
      margin-top: 0px !important;
      visibility: inherit !important;
      background-color: #000000;
    }
    /*-----Mobile Body left-right Padding and bg color------*/
    .mobile-lr-padding{
      background-color: #000000 !important;
    }
    [data-ogsc] .mobile-lr-padding{
      background-color: #000000 !important;
    }
    
    .mobile-lr-padding1{
      background-color: #000000 !important;
    }
    [data-ogsc] .mobile-lr-padding1{
      background-color: #000000 !important;
    }
    /*---Promotional Block---*/
   
   .dark-background-link {
   color: #00B7FF !important;
   }
   [data-ogsc] .dark-background-link {
   color: #00B7FF !important;
   }
   .dark-background-linkWhite {
   color: #FFFFFF !important;
   }
   [data-ogsc] .dark-background-linkWhite {
   color: #FFFFFF !important;
   }
   .lightimage1 {
   display: none !important;
   }
   [data-ogsc].lightimage1 {
   display: none !important;
   }
   .darkimageWrapper,
   .darkimage1 {
   display: block !important;
   }
   [data-ogsc].darkimageWrapper,
   .darkimage1 {
   display: block !important;
   }
   /*---End Of Promotional Block */ 
    
  }
  /* END DARK MODE STYLES */
  /* START RESET STYLES */
  body, tr, td, span, div, p, a, li {
    -moz-text-size-adjust:none !important;
    -webkit-text-size-adjust:none !important;
    -webkit-text-decoration-skip:none !important;
    margin:0px auto !important;
    -ms-text-size-adjust:none !important;
    white-space: wrap;
  }
  * {
    -webkit-font-smoothing: antialiased;
  }
  body {
    Margin: 0;
    padding: 0;
    min-width: 100%;
    background-color: #ffffff;
    font-family: Arial, sans-serif;
    -webkit-font-smoothing: antialiased !important;
  }
  
  .foo .text {}
  
  table {
    border-spacing: 0;
    font-family: Arial, sans-serif;
    border-collapse: collapse;
  }
  img {
    border: 0;
  }
  .font16 {font-size: 16px !important;}
  .wrapper {
    width: 100%;
    table-layout: fixed;
    -webkit-text-size-adjust: 100%;
    -ms-text-size-adjust: 100%;
  }
  .webkit {
    max-width: 600px;
  }
  .outer {
    Margin: 0 auto;
    width: 100%;
    max-width: 600px;
  }
  .full-width-image img {
    width: 100%;
    max-width: 600px;
    height: auto;
  }
  .inner {
    padding: 10px;
  }
  p {
    Margin: 0;
    padding-bottom: 10px;
  }
  /* Body 3 Column*/
  .table3col {
    font-family: Arial, sans-serif;
    border-collapse: collapse;
  }
  .th3col {
    border-bottom: 1px solid #CBD1D6;
    font-family: Arial, sans-serif bold;
    font-size: 16px;
    color: Black;
    line-height: 24px;
  }
  
    .th2col {
    border-bottom: 1px solid #CBD1D6;
    font-family: Arial, sans-serif bold;
    font-size: 16px;
    color: White;
    line-height: 24px;
  }
  .th3col1 {
    border-bottom: 1px solid #CBD1D6;
    font-family: Arial, sans-serif bold;
    font-size: 16px;
    color: Black;
    line-height: 24px;
    width: 33%;
  }
  .th3col2 {
    border-bottom: 1px solid #CBD1D6;
    font-family: Arial, sans-serif bold;
    font-size: 16px;
    color: Black;
    line-height: 24px;
    width: 23%;
  }
  .th3col3 {
    border-bottom: 1px solid #CBD1D6;
    font-family: Arial, sans-serif bold;
    font-size: 16px;
    color: Black;
    line-height: 24px;
    width: 43%;
  }
  .tr3col {
    font-size: 16px;
    line-height: 44px;
  }
  .exordtd4col tr:last-child > td {
    border-bottom: 1px solid #98a4ae !important;
  }

  /* END RESET STYLES */
  @media (max-width:599px) {
  .padding-lr-echg{
    padding-left: 8px !important;
    padding-right: 8px !important;  
  }
    /*-----Status Header Styles-----*/
     .moblogoheight{
     height: 50px !important;
    }
    .mobilelogo {height: 50px !important;}
    .secureblockmobile {
      width: inherit !important;
      display: block !important;
    }
    .securemobilepadding {
     Padding-left: 0px !important;
     padding-right: 0px !important;
    }
    .securemobilelrpadding {
     Padding-left: 16px !important;
     padding-right: 16px !important;
    }
    .securemobileleftpadding {
     Padding-left: 0px !important;
    }
    .securemobileborder {
      border-top:0px solid #CBD1D6 !important; 
    }
    .noskip{
      text-decoration-skip:none !important;
    }
    .status {
      font-family: 'Charles Modern', Arial, sans-serif;
      font-size: 15px !important;
    }
    .body01Mob {
      font-size:17px !important;
      line-height:24px !important;
    }
    .Width140 {
      width: 140px !important;
    }
    .Width170 {
      width: 170px !important;
    }
    .Width254 {
      width: 254px !important;
    }
    .bodyfooternoteMob {
      font-size:13px !important;
      line-height:20px !important;
    }
    .TZAMob {
      font-size:19px !important;
      line-height:28px !important;
    }
    .foottableMob {
      font-size:13px !important;
      line-height:24px !important;
    }
    .disclosureMob {
      font-size:13px !important;
      line-height:28px !important;
    }
    .2pxborderMob {
      border-top:2px solid #cbd1d6 !important;
    }
    br[class='mobile_hidden'] {
      display: none !important;
    }
    .desktopHid {
      display: block !important;
    }
    .drop {
      width: 100% !important;
      float: left !important;
    }
    .mobHide {
      display: none !important;
    }
    .statusHeader {
      font-family: 'Charles Modern Light', Arial, sans-serif;
      font-size: 22px !important;
      white-space: normal !important;
    }
    /*-----Mobile Body left-right Padding and bg color------*/
    .mobile-lr-padding{
      padding-left: 8px !important;
      padding-right: 8px !important;
      background-color: #F4F5F6;
      !important; 
    }
    /*-----Mobile Body left Padding to support ios------*/
        .mobile-lr-padding2{
      padding-left: 8px !important;
    }     
          
    /*-----Mobile Body left-right Padding and bg White color------*/
    .mobile-lr-padding1{
      padding-left: 8px !important;
      padding-right: 8px !important;
      background-color: #FFFFFF;
      !important; 
    } 
    
    /*-----Mobile Body Padding------*/
    .mobile-body-padding{
      padding-left: 16px !important;
      padding-right: 16px !important;
    }
    /*-------Pre Header------*/
    .infobox {
      font-family: 'Charles Modern', Arial, sans-serif;
      font-size: 13px !important;
      padding: 11px 20px 11px 20px !important;
    }
    /*-------Primary Button------*/
    .btn_primary {
      font-family: 'Charles Modern', Arial, sans-serif;
      font-size: 17px !important;
      padding: 11px 15px 11px 15px !important;
    }
    /*---------Secondary Button------*/
    .btn_secondary {
      font-family: 'Charles Modern', Arial, sans-serif;
      font-size: 17px !important;
      padding: 11px 15px 11px 15px !important;
    }
    /*--------CTA Text--------*/
    .cta_text {
      font-family: 'Charles Modern', Arial, sans-serif;
      font-size: 17px !important;
      padding: 11px 15px 11px 15px !important;
    }
    /*-----Term Bar Styles------*/
    .wrap {
      width: 100% !important;
    }
    .mobileHide {
      display: none;
    }
    .stackColumns {
      display: block !important;
      padding: 20px 0px;
    }
    /*---- Body 3 Column Mobile----*/
    .mtable3col {
      font-family: Arial, sans-serif;
      border-collapse: collapse;
    }
    .mth3col1 {
      border-bottom: 1px solid #CBD1D6;
      font-family: Arial, sans-serif bold;
      font-size: 14px;
      color: Black;
      line-height: 24px !important;
    }
    .mth3col2 {
      border-bottom: 1px solid #CBD1D6;
      font-family: Arial, sans-serif bold;
      font-size: 14px;
      color: Black;
      line-height: 24px;
    }
    .mth3col3 {
      border-bottom: 1px solid #CBD1D6;
      font-family: Arial, sans-serif bold;
      font-size: 14px;
      color: Black;
      line-height: 24px;
    }
    .mtr3col {
      font-size: 16px;
      line-height: 44px !important;
    }
    .mtr3col1 {
      font-size: 16px;
      line-height: 22px !important;
    }
    /*-----border Styles------*/
    .bodyPadding {
      padding-left: 8px !important;
      padding-right: 8px !important;
      background-color: #5E6E7A;
    }
    /*-----Editors note padding------*/
    .editorsNotePadding {
      padding: 16px !important;
    }
    /*-----AccessCodePadding------*/
    .AccessCodePadding{
      padding: 16px 16px 24px 16px !important;
    }
    /*-----Mobile Body left-right Padding and bg color------*/
    .mobile-lr-padding{
      padding-left: 8px !important;
      padding-right: 8px !important;
    }   
    .mobile-lr-padding1{
      padding-left: 8px !important;
      padding-right: 8px !important;
    }   
    /*-----Mobile Body Padding------*/
    .mobile-body-padding{
      padding-left: 16px !important;
      padding-right: 16px !important;
    }
    /*-----Mobile Disclosure Padding------*/
    .mobile-disclosure-padding{
      padding-left: 24px !important;
      padding-right: 24px !important;
    }
    /*-----Mobile Symbol Econfirms Padding------*/
    .mobile-symbol-padding{
      padding-left: 24px !important;
    }
      .mobile-line-padding{
      padding-left: 0px !important;
    }
    /*-----IPWarmingICON Padding------*/
    .IPWIconpadding{
      padding-Top: 16px !important;
    }
    .IPWSubhead {
      font-family: Arial;
      font-size: 17px;
      font-weight: Bold;
      color: #000000;
      line-height: 24px;
    }
    .IPWBody {
      font-family: Arial;
      font-size: 17px;
      color: #000000;
      line-height: 24px;
    }
    /*-----PromotionalBlock------*/ 
   /*-----PromotionalBlock------*/ 
   .templateColumnContainer{
   width:496px !important;
   overflow-wrap: normal !important;
   border-collapse: collapse !important;
   }
   .margin{
   margin-left: 0px  !important;
   margin-right: 0px !important;
   }
   .Margin16{
    margin-left: 16px  !important;
    margin-right: 0px !important;
        }
   .padding{
   padding-top: 0px !important;
   padding-bottom: 0px !important;
   padding-left: 0px !important;
   padding-right: 0px !important;
   }
   .padding-1{
   padding-bottom:0px !important;
   padding-left: 16px !important;
   padding-right: 0px !important;
   }
    
   .paddingL32{
   padding-bottom:0px !important;
   padding-left: 32px !important;
   padding-right: 0px !important;
   }
   .padding-line1{
   padding-top: 16px !important;
   padding-bottom: 16px !important;
   padding-left: 8px !important;
   padding-right: 8px !important;
   }
   .padding-line2{
   padding-bottom: 16px !important;
   padding-top: 12px !important;
   padding-left: 16px !important;
   padding-right: 16px !important; 
   }
   .td_block{
   display:block !important;
   }
  
  .percent_td{
   width: 100% !important;
   }

   .leftColumnhead{
   font-family: Arial, sans-serif bold !important; 
   font-size: 14px !important;  
   line-height: 20px !important; 
   padding-right: 0px  !important;
   padding-top: 0px  !important; 
   padding-left: 0px  !important; 
   }
   .centerColumnhead{
   font-family: Arial, sans-serif bold !important; 
   font-size: 14px !important; 
   line-height: 20px !important; 
   padding-top: 6px  !important;
   padding-left: 0px  !important;
   }
   .rightColumnhead{
   font-family: Arial, sans-serif bold !important; 
   font-size: 14px !important;  
   line-height: 20px !important;
   padding-top: 6px  !important; 
   padding-left: 0px  !important;
   }
   .Columncontent{
   font-size: 17px !important;  
   line-height: 24px !important; 
   word-wrap: normal !important; 
   padding-left:0px !important;
   padding-right:0px !important;
   padding-top:0px !important;
   }
    
   .Columncontent-2{
   font-size: 14px !important; 
   line-height: 20px !important; 
   word-wrap: normal !important; 
   padding-left:0px !important;
   padding-right:0px !important;
   padding-top:4px !important;
   }
   .Columncontent-3{
   font-size: 14px !important; 
   line-height: 20px !important; 
   word-wrap: normal !important; 
   padding-left:0px !important;
   padding-right:0px !important;
   padding-top:4px !important;
   }
   .Columnlink-1{
   font-size: 17px  !important;
   color: #006E99  !important;
   line-height: 24px  !important;
   padding-top: 0px !important;
   }
   .Columnlink-2{
   font-size: 14px  !important;
   color: #006E99  !important;
   line-height: 20px  !important;
   padding-top: 4px !important;
   }
   .Columnlink-3{
   font-size: 14px  !important;
   color: #006E99  !important;
   line-height: 20px  !important;
   padding-top: 4px !important;
   }
   .centerColumncontent{
   font-size: 14px  !important;
   line-height: 20px  !important;
   padding: 16px 16px 4px 16px !important;
   }
   .mobile-link{
   font-size: 14px  !important;
   color: #006E99  !important;
   line-height: 20px  !important;
   padding: 0px 16px 0px 16px !important;
   }
   .leftColumnheader{
   font-family: Arial, sans-serif bold !important; 
   font-size: 17px !important; 
   line-height: 24px !important; 
   padding-right: 0px  !important;
   padding-top: 0px  !important; 
   padding-left: 0px  !important; 
   }
   .paddingMRDelete{
   padding-bottom: 0px !important;
   padding-left: 0px !important;
   padding-right: 24px !important;
   }
   .paddingMRB{
   padding-bottom: 32px !important;
   padding-left: 0px !important;
   padding-right: 0px !important;
   }
   .paddingML{
   padding-bottom: 0px !important;
   padding-left: 24px !important;
   padding-right: 0px !important;
   }
   .paddingMTL{
   padding-Top: 16px !important;
   padding-bottom: 0px !important;
   padding-left: 24px !important;
   padding-right: 0px !important;
   }
   .paddingMTLRL{
   padding-Top: 24px !important;
   padding-left: 0px !important;
   padding-right: 0px !important;
   }
   .mobileRight{
   float:right !important;
   margin-right: 14px !important;
   }
    .mobileRight-1{
   float: right !important;
   margin-right: 29px !important;
   }
    .mobileRight-2{
   float: right !important;
   margin-right: 29px !important;
   padding-top: 8px !important;
   }
   .MTextRight{
   text-align: right !important;
   padding-right: 0px !important;
   }
   .paddingTLRMBMRM{
   padding-Top: 24px !important;
   padding-left: 24px !important;
   padding-right: 16px !important;
   padding-bottom: 16px !important;
   }
    
   /*-----RTTN------*/
   .paddingTopM16{
   padding-Top: 16px !important;
   padding-left: 0px !important;
   padding-right: 0px !important;
   }
   .drop1 {
    width: Auto !important;
    height: 250px !important;
   }
   .drop2 {
     width: 100% !important; 
   }
    .mobileRight16{
    float: right !important;
    padding-right: 60px !important;
    }
    .mobileLeft16{
    float: left !important;
    padding-right: 60px !important;
    }
    
    .float-left {
    float: left !important;
    }
        .paddingMT16B32{
   padding-top: 16px !important;
   padding-bottom: 32px !important;
   }
   .paddingMT24B32{
   padding-top: 24px !important;
   padding-bottom: 32px !important;
   }
   .paddingMT24B32L16{
   padding-top: 24px !important;
   padding-bottom: 32px !important;
   padding-left: 16px !important;
   }
   .paddingMB0{
   padding-bottom: 0px !important;
   }
   .paddingML24{
   padding-top: 0px !important;
   padding-bottom: 0px !important;
   padding-left: 0px !important;
   padding-right: 0px !important;
   }
   .paddingMMLL{
   padding-top: 16px !important;
   padding-bottom: 16px !important;
   padding-left: 16px !important;
   padding-right: 16px !important;
   }

      }

@media only screen and (max-width:599px) {
u+.body .wrap_full {
 width: 100% !important;
 width: 100vw !important;
}
.wrap {
 width: 100% !important;
}
.fix_sidepad {
 padding: 16px !important;
}
.mob-hide {
 display: none !important;
}
.mob-show {
 display: block !important;
 width: 100% !important;
 max-height: none !important;
 overflow: visible !important;
}
.class_collapse {
  border-collapse: separate;
 }
}

</style>

  



<!--[if (gte mso 9)|(IE)]> <style type="text/css"> table {border-collapse: collapse !important;} </style> <![endif]-->
<!-- THE GREY CODE BELOW HELPS RENDER CODE IN 120DPI VERSIONS OF OUTLOOK - DO NOT CHANGE OR EDIT -->
<!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:AllowPNG/> <o:PixelsPerInch>96</o:PixelsPerInch> </o:OfficeDocumentSettings> </xml><![endif]--></td></tr></table> <!--Master Styling Block-->
  </head>
  
  <body class="" style="background-color: #ececec; font-family: sans-serif; -webkit-font-smoothing: antialiased; font-size: 14px; line-height: 1.4; Margin: 0; padding: 0; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><style type="text/css">
div.preheader 
{ display: none !important; } 
</style>
<div class="preheader" style="font-size: 1px; display: none !important;">Schwab eStatement notification</div>
   <!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]-->
    <table width="600" border="0" cellpadding="0" cellspacing="0" class="body" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 100%; background-color: #ececec; padding: 0; Margin: 0 auto; max-width: 600px;" role="presentation">
      <tr>
        <td class="container" style="font-family: sans-serif; font-size: 14px; vertical-align: top; display: block; Margin: 0 auto; padding: 0; border: 0; background-color: #ececec;">
          <div class="content" style="box-sizing: border-box; display: block; Margin: 0 auto; max-width: 600px;width:100%;">
            <table class="main"  border="0" cellpadding="0" cellspacing="0" style="border-collapse: separate; mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 100%; background: #ffffff; padding: 0; border: 0;" role="presentation">
              <tr>
                <td class="wrapper">
                  <!-- Begin Headline Text -->
                  <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<!----></td></tr></table>
                  
                </td>
              </tr>
              <tr>
                <td>
                  <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<!---->



<!---->
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<!--  --></td></tr></table>
<!---->


<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<!----></td></tr></table></td></tr></table> </td>
              </tr>
              <tr>
                <td></td>
              </tr>
              <tr>
                <td>    <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="background-color: transparent; min-width: 100%; " class="stylingblock-content-wrapper"><tr><td style="padding: 0px; " class="stylingblock-content-wrapper camarker-inner"><!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]-->
<table class="light-logo" align="center" border="0" cellpadding="0" cellspacing="0" style="" width="100%" role="presentation">
  <tr>
    <td class="light-logo mobile-lr-padding2" align="center" style="padding-bottom: 12px; background-color: #F4F5F6;" valign="top">
      <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation">
        <tr>
          <td align="left" valign="top" style="width:10px;" width="10">
            <a href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjZiNjg4NjMwLTFjMzQtNDVkNS1iN2Q4LTkyZjNhZTVlZGY5MSIsImRla1ZlcnNpb24iOjEsIml2IjoiY0RJUlBMMDNWb01Qd3ozaU4zWEpHQT09IiwiY2lwaGVyVGV4dCI6Im9rNXVFYk1LUEdmb2V1ZnFWd2Q3MlBVWG9JeWZEbmc0QmpZT09iOEk5RGtRUEZSNDRJWmNrYW5oRjZXL2VxVmNSZ3lqeVNscEpiNWhud0l1ek9meU1YZFdkLy9nTDQxdWc0cVVBdW1KY0RJUlBMMDNWb01Qd3ozaU4zWEpHQT09IiwiYXV0aFRhZyI6IjhqRjNWbmYvNEMrTmJvT0tsQUxwaVE9PSJ9" style="text-decoration: none;" target="_blank"><img class="moblogoheight " height="90" alt="Charles Schwab" border="0" src="https://image.email.schwab.com/lib/fe2b11717d64047e731277/m/1/91e944e3-ccdb-4147-9cd6-9b9eb3b2416c.png" style="height:90px;"></a>
          </td>
          <!--  -->
          <td style="width: 15px;" width="15">
            &nbsp;
          </td>
          <td class="infobox font-style-PH" align="right" valign="center" style="font-family: Arial, sans-serif; font-size: 13px; line-height: 20px; color: #5A6772;font-weight: normal;padding-top: 12px;">
            <b>Account ending: 897<!---->
            </b>
            <br>
            <!---->
            <!---->
            Feb 2, 2026 
            <!---->
          </td>
          <td style="width: 10px;" width="10">
            &nbsp;
          </td>
        </tr>
      </table>
    </td>
  </tr>
</table>
<!--[if gte mso 9]></td></tr></table><![endif]-->
<!--[if !mso]><!-->
<div class="dark-mode-statusheader" style="display: none; overflow: hidden; width: 0px; max-height: 0px; max-width: 0px; line-height: 0px; visibility: hidden;" align="center">
  <!--[if gte mso 9]><table  bgcolor="#000000" align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]-->
  <table align="center" border="0" cellpadding="0" cellspacing="0" style="" width="100%" role="presentation">
    <tr>
      <td class="dark-background mobile-lr-padding2" align="center" style="padding-bottom: 12px;background-color: #F4F5F6;" valign="top">
        <table class="dark-background" bgcolor="#000000" align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation">
          <tr>
            <td class="dark-background" align="center" valign="top" style="width:10px" width="10">
              <a class="dark-background" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjYxYjFkMjY1LWVkMjctNDU0Yi1iZjdkLTYxOWVlMzVlODcxZSIsImRla1ZlcnNpb24iOjEsIml2IjoiTEQyZWJKWjFTcTEvdjhlUlprRWMvZz09IiwiY2lwaGVyVGV4dCI6IlN0aUlabnRnVHdYTk4zalNTeWlJcitXNDVTdWYvSlk2RStMUmVxZHg5Y3V4NHZXaGgvZTQ5RUo2TjlwVUYvdUg0K3ozZEpWRjFPbzMyajRZVXZXZEFVL21oNklrYmtUY3VqOHpIV0Y4TEQyZWJKWjFTcTEvdjhlUlprRWMvZz09IiwiYXV0aFRhZyI6Im5RRlA1b2VpSkc1RTNMby9NeDFoZkE9PSJ9" style="text-decoration: none;" target="_blank"><img class="moblogoheight" height="90" alt="Charles Schwab" border="0" src="https://image.email.schwab.com/lib/fe2b11717d64047e731277/m/1/91e944e3-ccdb-4147-9cd6-9b9eb3b2416c.png" style="display: block;height:90px;"></a>
            </td>
            <!--    -->
            <td class="dark-background" style="width: 15px;" width="15">
              &nbsp;
            </td>
            <td class="infobox font-style-PH dark-background-PH-logoinfobox" align="right" valign="center" style="font-family: Arial, sans-serif; font-size: 13px; line-height: 20px; color: #5A6772;font-weight: normal;padding-top: 12px;">
              <b>Account ending: 897<!---->
              </b>
              <br>
              <!---->
              <!---->
              Feb 2, 2026 
              <!---->
            </td>
            <td style="width: 10px;" width="10">
              &nbsp;
            </td>
          </tr>
        </table>
      </td>
    </tr>
  </table>
  <!--[if gte mso 9]></td></tr></table><![endif]-->
  <!--[if gte mso 9]></td></tr></table><![endif]-->
</div> 
<!--<![endif]-->
</td></tr></table> </td>
              </tr>
              <tr>
                <td>                     <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"> <!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" bgcolor="#006E99" role="presentation"><tr><td><![endif]-->
<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
 
  <tr>
   <td align="center" class="dark-background-body mobile-lr-padding" style="background-color: #F4F5F6;" valign="top">
     
     <table class="light-mode-statusheader" align="center" border="0" cellpadding="0" cellspacing="0" width="100%" bgcolor="#006E99" role="presentation">
  <!---->
  <tr>
    <td class="light-mode-statusheader" align="center" valign="top" style="padding: 16px 24px 24px 24px;">
      <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation">
        <tr>
          <td align="left" valign="top" style="font-family: 'Charles Modern Light', Arial, sans-serif; font-size: 26px; line-height: 30px; color: #FFFFFF; font-weight: 300;" class="statusHeader wrap">Your Schwab eStatement is ready.
          </td>
        </tr>
      </table>
    </td>
  </tr>
</table>
    </td></tr></table>
<!--[if gte mso 9]></td></tr></table><![endif]-->





  <!--[if !mso]><!--><div class="dark-mode-statusheader" style="display: none; overflow: hidden; float: left; width: 0px; max-height: 0px; max-width: 0px; line-height: 0px; visibility: hidden;" align="center">
  <!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" bgcolor="#004966" role="presentation"><tr><td><![endif]-->
<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
 
  <tr>
   <td align="center" class="dark-background-body mobile-lr-padding" style="background-color: #F4F5F6;" valign="top">
     <table class="dark-mode-statusheader" align="center" border="0" cellpadding="0" cellspacing="0" width="100%" bgcolor="#004966" role="presentation">
  <!---->
  <tr>
    <td class="dark-mode-statusheader" align="center" valign="top" style="padding: 16px 24px 24px 24px;">
      <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" role="presentation">
        <tr>
           <td class="dark-mode-statusheader" align="left" valign="top" style="font-family: 'Charles Modern Light', Arial, sans-serif; font-size: 26px; line-height: 30px; color: #FFFFFF; font-weight: 300;">Your Schwab eStatement is ready.
          </td>
        </tr>
      </table>
    </td>
  </tr>
</table>
    </td>
  </tr>
    </table>
<!--[if gte mso 9]></td></tr></table><![endif]-->

    
    
    
    
            </div> <!--<![endif]-->
</td></tr></table> 
                  <!-- End Headline Text -->
                </td>
              </tr>
              <tr>
                <td class="wrapper">
                  <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!----></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"> <!----> <!--  Account List: N --> <!----> <!---->  <!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]--><table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
	
		<tr>
			<td align="center" class="dark-background mobile-lr-padding" style="background-color: #F4F5F6;" valign="top">
				<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
					
						<tr>
							<td align="center" class="dark-background-body" style="background-color: #ffffff;" valign="top">
								<table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation">
									
										<tr>
											<td align="left" bgcolor="#ffffff" class="dark-background-body  mobile-body-padding" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 13px; color: #000000;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color: #ffffff; padding: 24px 24px 0px;" valign="middle">
												<p class="dark-background-body" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size: 16px; font-weight: normal; line-height: 24px; padding: 0 0 0px 0; Margin: 0;">
													Log in to view your recent account statement:</p></td></tr></table></td></tr></table></td></tr></table><!--[if gte mso 9]></td></tr></table><![endif]--></td></tr></table>
                  
                </td>
              </tr>
              <tr>
              <tr>
                <td class="wrapper">
                  <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
	
		<tr>
			<td align="center" class="dark-background-body mobile-lr-padding">
				<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
					
						<tr>
							<td align="center" class="dark-background-body" style=" background-color:#ffffff">
								<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
									
										<tr>
											<td align="center" class="dark-background-body" style=" padding: 25px 0 5px; background-color:#ffffff" valign="top">
												<table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation">
													
														<tr>
															<td align="center" bgcolor="#007900" class="dark-background-body" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 19px; color: #ffffff;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color: #007900; max-height: 48px;" valign="middle">
																<a class="btn_primary " data-linkto="other" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjZlMzA5MjA3LTgyZjgtNDJhNS1iZGIwLWRiNzdkZTJhMmZjZCIsImRla1ZlcnNpb24iOjEsIml2IjoianpOZ0t6VWd0T2FNZlRUaVgxbjlQZz09IiwiY2lwaGVyVGV4dCI6ImlrWEtHdlNlcUYvY3k3R0ZPbkJMMUtOd2FhMXhsWjhDaTdkWmhGMXlCQ0lmY05RM3M1MHVoZGY0Z3lzK0ZSOUZaNjhONDdmYnpWTWIzOUpPVzFtcDMyNkxxOGQ1TUYvb1QwcVBNMkFyTlNDMDVveDlOT0pmV2YwKyIsImF1dGhUYWciOiIwazViV2FuZmJvdXJ4M2t3WCtoUFNnPT0ifQ%3D%3D" style=" text-decoration: none; padding: 13px 40px 13px 40px; color: #FFFFFF; display: block; font-size: 19px; font-family: Arial, Helvetica, sans-serif; text-align: center; background-color: #007900; border: 1px solid #2D862D; border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; max-height: 48px;" target="_blank" title="">View statement</a></td></tr></table></td></tr></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="dark-background-body" role="presentation">
									
										<tr>
											<td align="center" bgcolor="#fffff" class="dark-background-body" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 16px; color: #000000;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color: #ffffff; padding: 5px 24px 0px;" valign="middle">
												<p class="dark-background-body" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size: 16px; font-weight: normal; line-height: 24px; padding: 0 0 0px 0; Margin: 0;">
													Or go to <a class="dark-background-link" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6ImM5MWQ5OTYwLTgwNTctNGI3YS04N2QzLTY2NjhkZTZmMzZjYiIsImRla1ZlcnNpb24iOjEsIml2IjoiVVJhSGVNS0tyRHZwSVpnU0s5ZUJrdz09IiwiY2lwaGVyVGV4dCI6ImtGVnArZm1ldjVLNGhNVUlvS3gweHc0bmt5c0ZERVZDVzVUcGtjK3pOZFlWZE5YN1ByY05IN215NVpkRWJXRXAvaTVaSmFMUUtLQXpZclR0L0dyMG9SVE9DWTZiUnlzUGFVOVJGb2Q0d29xc08ra2htQklyMTRHVCIsImF1dGhUYWciOiJ0TzM4YXZTaEZNNEpqcHRIS3c5cFR3PT0ifQ%3D%3D" style="color: #006E99; text-decoration: underline;" target="_blank"> <span>schwab.com/statements</span></a>.</p></td></tr></table></td></tr></table></td></tr></table></td></tr></table>
                  
                </td>
              </tr>
              <tr>
                <td class="wrapper">
                  <!--Begin Main Body content-->
                  <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]--><table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
	
		<tr>
			<td align="center" class="dark-background mobile-lr-padding" style="background-color: #F4F5F6;" valign="top">
				<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
					
						<tr>
							<td align="center" class="dark-background-body" style="background-color: #ffffff;" valign="top">
								<table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation">
									
										<tr>
											<td align="left" bgcolor="#ffffff" class="dark-background-body  mobile-body-padding" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 16px; color: #000000;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color: #ffffff; padding: 24px 24px 0px;" valign="middle">
												<p class="dark-background-body" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size: 16px; font-weight: normal; line-height: 24px; padding: 0 0 0px 0; Margin: 0;">
													<b>Haven't set up your Schwab Login ID and password yet?</b></p></td></tr><tr>
											<td align="left" bgcolor="#ffffff" class="dark-background-body  mobile-body-padding" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 16px; color: #000000;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color: #ffffff; padding: 5px 24px 0px 24px;" valign="middle">
												<p class="dark-background-body" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size: 16px; font-weight: normal; line-height: 24px; padding: 0 0 0px 0; Margin: 0;">
													Visit <a  class="dark-background-link"  data-linkto="https://" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjZlYWJmOTljLWI2NjgtNGJhNC1hZDczLTdjZjc3YzY4Nzk5YiIsImRla1ZlcnNpb24iOjEsIml2IjoiYXBUaWczYmhPZ0x6ZTZabmptbjN4QT09IiwiY2lwaGVyVGV4dCI6IlRlTEVjeXcvd1M4bkhJdkQvbmJJZ0xQeFJSOWl2UjVVWHB3cUM3aENwa09mcmZGZmMwYStYa3dLazVkNmpmNGVacElybVlnRXhKZTdJVGFhbnRWdWJ0N2VvVnlNM2VJekswMXFsT0tEZHVFNkF2TjdwbWVPYWZmRSIsImF1dGhUYWciOiJOcHFlMVc1dTN0NmhYSXpkNGpNclRRPT0ifQ%3D%3D" style="color:#006E99;text-decoration:underline;" target="_blank" title=""> schwab.com/firsttimeuser</a> to begin the quick, guided process.</p></td></tr></table></td></tr></table></td></tr></table><!--[if gte mso 9]></td></tr></table><![endif]--></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!--[if gte mso 9]>
<table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]--><table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
 
  <tr>
   <td align="center" class="dark-background mobile-lr-padding" style="background-color: #F4F5F6;" valign="top">
    <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
     
      <tr>
       <td align="center" class="dark-background-body" style="background-color: #ffffff;" valign="top">
        <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation">
         
          <tr>
           <td align="left" bgcolor="#ffffff" class="dark-background-body  mobile-body-padding" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 16px; color: #000000;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color: #ffffff; padding: 24px 24px 0px;" valign="middle">
            <p class="dark-background-body" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size: 16px; font-weight: normal; line-height: 24px; padding: 0 0 0px 0; Margin: 0;">
             For questions about your statement, please call <b>800-435-4000</b>. For clients outside of the U.S., please call <b>+1 415-667-8400</b>.</p></td></tr></table></td></tr></table></td></tr></table><!--[if gte mso 9]></td></tr></table><![endif]--></td></tr></table><!---->
<!--
<!---->
<!---->


<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]--><table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
	
		<tr>
			<td align="center" class="dark-background mobile-lr-padding" style="background-color: #F4F5F6;" valign="top">
				<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
					
						<tr>
							<td align="center" class="dark-background-body" style="background-color: #ffffff;" valign="top">
								<table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation">
									
										<tr>
											<td align="left" bgcolor="#ffffff" class="dark-background-body  mobile-body-padding" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 16px; color: #000000;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color: #ffffff; padding: 24px 24px 0px;" valign="middle">
												<p class="dark-background-body" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size: 16px; font-weight: normal; line-height: 24px; padding: 0 0 0px 0; Margin: 0;">
													<b>Access your account with your voice.</b></p></td></tr><tr>
											<td align="left" bgcolor="#ffffff" class="dark-background-body  mobile-body-padding" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 16px; color: #000000;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color: #ffffff; padding: 5px 24px 0px 24px;" valign="middle">
												<p class="dark-background-body" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size: 16px; font-weight: normal; line-height: 24px; padding: 0 0 0px 0; Margin: 0;">
													Schwab's voice ID service<sup style="mso-text-raise:80%; font-size:50%; position: relative;" valign="top">1</sup> allows you to access your account just by speaking the simple phrase, &quot;At Schwab, my voice is my password.&quot;<br>
													<br>
													Enroll now by calling <b>800-435-4000</b>. For clients outside of the U.S., please call <b>+1 415-667-8400</b>.</p></td></tr></table></td></tr></table></td></tr></table><!--[if gte mso 9]></td></tr></table><![endif]--></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]--><table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
	
		<tr>
			<td align="center" class="dark-background mobile-lr-padding" style="background-color: #F4F5F6;" valign="top">
				<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
					
						<tr>
							<td align="center" class="dark-background-body" style="background-color: #ffffff;" valign="top">
								<table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation">
									
										<tr>
											<td align="left" bgcolor="#ffffff" class="dark-background-body  mobile-body-padding" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 16px; color: #000000;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color: #ffffff; padding: 24px 21px 32px;" valign="middle">
												<p class="dark-background-body" style="color:#000000; font-family: Arial, Helvetica, sans-serif; font-size: 16px; font-weight: normal; line-height: 24px; padding: 0 0 0px 0; Margin: 0;">
													<b>Thank you for investing with Schwab.</b></p></td></tr></table></td></tr></table></td></tr></table><!--[if gte mso 9]></td></tr></table><![endif]--></td></tr></table>
                  
                </td>
              </tr>
              <tr>
                <td class="wrapper" style="background-color:  #F4F5F6; ">
                  <!-- Begin Termination Bar Text -->
                <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">

<!---->
<!---->
<!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]-->
<table align="center" border="0" cellpadding="0" class="wrap" style="" width="100%" role="presentation">
  <tr>
    <td align="center" valign="top" style="">
      <table align="center" border="0" cellpadding="0" width="100%" bgcolor="#f4f5f6" role="presentation">
        <tr>
          <td class="dark-background-PH-disclosures" align="center" valign="top" style="padding: 20px 0px 10px 0px;">
            <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation">
              <tr>
                <td align="center" valign="middle">
                  <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation">
                    <tr>
                      <td align="center" valign="top" style="font-family: Arial, sans-serif; font-size: 13px; line-height: 20x; color: #5A6772; padding-top: 5px; font-weight: 0;" class="stackColumns wrap">
                        <a class="dark-background-link" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6Ijg4M2E4MjYwLTYwYmItNDk3Yi04YWY0LTljNGNkYTVmZGI5NCIsImRla1ZlcnNpb24iOjEsIml2IjoiWWZJd1YwQ3dRZ2d0TzdUSDdXSDNrZz09IiwiY2lwaGVyVGV4dCI6IjdvcS9YcENYd0xWUVo1SVNEK1VKZG52V3BoZ3p4RUJiRU9JK1BDMzErbHpoRU5IYWFEUlRJSzBnR2RmQjFybkVGNHlwMEVheG5oTEw2ckJiREVOaFBmM3crUjdVSG1PUTJ4UTZSaCtqWWZJd1YwQ3dRZ2d0TzdUSDdXSDNrZz09IiwiYXV0aFRhZyI6IllUMzk4UGtlMUI1amtOc1VPa1lmb3c9PSJ9" target="_blank" style="color: #006E99; text-decoration: underline">UNSUBSCRIBE</a>
                      </td>
                      <td class="dark-background-pipe mobileHide" align="center" valign="top" style="font-family: 'Charles Modern', Arial, sans-serif; font-size: 13px; line-height: 20x; color: #5A6772; padding: 5px 10px 0px 10px;">
                        |
                      </td>
                      <td align="center" valign="top" style="font-family: Arial, sans-serif; font-size: 13px; line-height: 20x; color: #5A6772; padding-top: 5px; font-weight: 0;" class="stackColumns wrap">
                        <a class="dark-background-link" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6ImMxMGJmNGZiLTlhNDEtNDMwZC1iMTEwLWFhYmY0Zjg1NjhmOSIsImRla1ZlcnNpb24iOjEsIml2IjoiNDREMnN5Tm9VazhXMEFDWmo0VGdKdz09IiwiY2lwaGVyVGV4dCI6ImN5OUZsbW45TmJtK29ZajV1aEY4NHJrNlE2enY4QmtUSVh4b25jNGt2RkhjOW8xbUZvYSt3Y1BlS0pGNHc0MTRKVEdlZlB4NmZJMXFMdkJXakJKYmIvRFd5REpQOVl5eC82cnZ4bS9QNDREMnN5Tm9VazhXMEFDWmo0VGdKdz09IiwiYXV0aFRhZyI6IlcyL3cxc2d5VC9XTXNmK3E3OFp2enc9PSJ9" target="_blank" style="color: #006E99; text-decoration: underline">PRIVACY</a>
                      </td>
                      <td class="dark-background-pipe mobileHide" align="center" valign="top" style="font-family: 'Charles Modern', Arial, sans-serif; font-size: 13px; line-height: 20x; color: #5A6772; padding: 5px 10px 0px 10px;">
                        |
                      </td>
                      <td align="center" valign="top" style="font-family: Arial, sans-serif; font-size: 13px; line-height: 20x; color: #5A6772; padding-top: 5px; font-weight: 0;" class="stackColumns wrap">
                        <a class="dark-background-link" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6ImRjNGZkMTZjLWFhZjktNDc2Ny1iMDdkLWE3NjFiNmM4M2NlOCIsImRla1ZlcnNpb24iOjEsIml2IjoiYXVzdC8rd3U1c3JuTjJCS3Z4ZXhodz09IiwiY2lwaGVyVGV4dCI6Ik1xcXhKa0Jaa2NCSjFyZ1ZveXJweEQ3T3Y2TlFXNElwdUQvUzVsOXRkTzgwVjFFZ3l2bEZzVnR2QmtaV1NyNGp3RGZUUFlDZXdqZ211dmFLbUlBcDcrK2NpN3ZxUDBCSnZvZHA5NzBsYXVzdC8rd3U1c3JuTjJCS3Z4ZXhodz09IiwiYXV0aFRhZyI6IktlL3ZuSXU3Nmo5QVNiNkhhZmU5SlE9PSJ9" target="_blank" style="color: #006E99; text-decoration: underline">CONTACT US</a>
                      </td>
                      <td class="dark-background-pipe mobileHide" align="center" valign="top" style="font-family: 'Charles Modern', Arial, sans-serif; font-size: 13px; line-height: 20x; color: #5A6772; padding: 5px 10px 0px 10px; font-weight: 0;">
                        |
                      </td>
                      <td align="center" valign="top" style="font-family: Arial, sans-serif; font-size: 13px; line-height: 20x; color: #5A6772; padding-top: 5px; font-weight: 0;" class="stackColumns wrap">
                        <a class="dark-background-link" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjQ2MDJmOTljLTcxOTItNDZlNi04MWZjLWQ4MDFhYjBlMGM0ZCIsImRla1ZlcnNpb24iOjEsIml2IjoiYk4yYUt4ZVc4NUU0eHBZRDZuK2hidz09IiwiY2lwaGVyVGV4dCI6IjB1dy9rR01TN0pYRldyMDRpVEVKNjNCRExaaFByVHJmM05DcE9DVE0rOWpINUdUdmF2L09UcEpjWUNKU2RqcitlbWM5NXYxa3FuS1RxeU94N2swU25Ed0xKbTArRjVSSklCT3QvZEhTYk4yYUt4ZVc4NUU0eHBZRDZuK2hidz09IiwiYXV0aFRhZyI6IkVwdzhDeVp0UGhlVVNTQVRyZjNSMGc9PSJ9" target="_blank" style="color: #006E99; text-decoration: underline">LOG IN</a>
                      </td>
                    </tr>
                    <tr>
                    </tr>
                  </table>
                </td>
              </tr>
            </table>
          </td>
        </tr>
      </table>
    </td>
  </tr>
</table>
<!--[if gte mso 9]></td></tr></table><![endif]-->
<!---->
<!---->
<!----></td></tr></table> 
                  
                  <!-- End Termination Bar Text -->
                </td>
              </tr>
              <tr>
                <td class="wrapper" bgcolor=" #F4F5F6" style="background-color:  #F4F5F6; " >
                  <!-- Begin Top Additional Disclosure Text -->
                  <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]-->
<table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation">
  <tr>
    <td class="dark-background-PH-disclosures" align="center" valign="top" style="">
      <table border="0" cellspacing="0" cellpadding="0" role="presentation" align="center">
        <tr>
          <td align="left" class="dark-background-PH-disclosures" valign="middle" bgcolor="#F4F5F6" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 13px; color: #5E6E7A;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color:  #F4F5F6; padding: 16px 24px 0px;">
            <p class="dark-background-PH-disclosures" style="color:#5A6772; font-family: Arial, Helvetica, sans-serif; font-size: 13px; font-weight: normal; line-height: 20px; padding: 0 0 0px 0; Margin: 0;"><sup style="mso-text-raise:80%; font-size:50%; position: relative;" valign="top">1</sup>Schwab's voice ID service is not available on all Schwab contact numbers.<br></p></td></tr></table></td></tr></table>
<!--[if gte mso 9]></td></tr></table><![endif]--></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]-->
<table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation">
  <tr>
    <td class="dark-background-PH-disclosures" align="left" valign="top" style="">
      <table border="0" cellspacing="0" cellpadding="0" role="presentation" align="left">
        <tr>
          <td class="dark-background-PH-disclosures" align="left" valign="middle" bgcolor="#F4F5F6" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 13px; color: #5E6E7A;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color: #F4F5F6; padding: 16px 24px 0px;">
   <p class="dark-background-PH-disclosures" align="center" style="color:#5A6772; font-family: Arial, Helvetica, sans-serif; font-size: 13px; font-weight: bold; line-height: 20px; padding: 0 0 0px 0; Margin: 0;">INVESTMENT AND INSURANCE PRODUCTS:   NOT A DEPOSIT &bull; NOT FDIC INSURED &bull; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY &bull; NO BANK GUARANTEE &bull; MAY LOSE VALUE
            </p><br>
            <p class="dark-background-PH-disclosures" style="color:#5A6772; font-family: Arial, Helvetica, sans-serif; font-size: 13px; font-weight: normal; line-height: 20px; padding: 0 0 0px 0; Margin: 0;">Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products are offered by Charles Schwab & Co., Inc., Member <a class="dark-background-link" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjBmNDNkMjAwLTkyNGMtNGVjZi04NDkyLWFlZDExZjgwNmI4ZCIsImRla1ZlcnNpb24iOjEsIml2IjoieCtvSjJ4ZmRiNnRxSjh2b2NtQ20yQT09IiwiY2lwaGVyVGV4dCI6IjZFeHpJNzZRcnNmU29GbzVxeUlmVFlvL01JaUFWV29PZmpqL0RSVWVUSGszazdoRWZRazMrd2p6UGM4WVJ3emxZSTMwRXB4aDgvUkwrNkVKSGpXa2VLODNzcUpabjdSVzFUL0g2Z25iRjkxdnEyb255K2h5WUtiWSIsImF1dGhUYWciOiJvUWtlTmFSNHJ6ZXlvbG1mdEZiVlB3PT0ifQ%3D%3D" style="color: #006E99; text-decoration: underline;" traget="_blank">SIPC
</a>. Deposit and lending products are offered by Charles Schwab Bank, SSB, Member 
<a class="dark-background-link" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6ImFkYWJmZWQzLTM2YzktNDMxYS1iOTkwLWEwNGNiNTFjYWZiNCIsImRla1ZlcnNpb24iOjEsIml2IjoibldPc0NQZUJPNzJwV1paaFkrcGdNdz09IiwiY2lwaGVyVGV4dCI6IkJrV2d1QW81VFpKMUJieW9mUVdpMVZEYTZrbktFTkVwR0orN3pJV1luN2JXQjJYQk1tUzFVOGdRUWZPaVJtYmpsZ20yT0tBdUZOcDJTZXNhbXVqc1VWZVd5MUx4akM3QTJoNmRZNndJOTRFN3ZhbFpsbUZqNm1BeiIsImF1dGhUYWciOiI2eHFhNk94UlY1YkxVdkdNTHNEYUhnPT0ifQ%3D%3D" style="color: #006E99; text-decoration: underline;" traget="_blank">FDIC</a> and an Equal Housing Lender.
            </p>
          </td>
        </tr>
      </table>
    </td>
  </tr>
</table>
<!--[if gte mso 9]></td></tr></table><![endif]--></td></tr></table>
                  
                  <!-- End Top Additional Disclosure Text -->
                </td>
              </tr>
              <tr>
              <tr>
                <td class="wrapper" bgcolor=" #F4F5F6" style="background-color: #F4F5F6; padding: 0px 0px 0px;" >
                  <!-- Begin Disclosure Text -->
                  <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">

<!---->
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]-->
<table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation">
  <tr>
        <td class="dark-background-PH-disclosures" align="center" valign="top" style="">
      <table border="0" cellspacing="0" cellpadding="0" role="presentation" align="center">
        <tr>
          <td class="dark-background-PH-disclosures" align="left" valign="middle" bgcolor="#F4F5F6" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 13px; color: #5E6E7A;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color: #F4F5F6; padding: 16px 24px 0px;">
            
            <p class="dark-background-PH-disclosures" style="color:#5A6772; font-family: Arial, Helvetica, sans-serif; font-size: 13px; font-weight: normal; line-height: 20px; padding: 0 0 0px 0; Margin: 0;"> 
              If you have any questions or concerns, PLEASE DO NOT REPLY TO THIS EMAIL. Instead, visit <a class="dark-background-link" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6ImViZmRkODAwLTIxZWYtNDhiNi04YmZkLWEyMjQ1NmMyZmExMCIsImRla1ZlcnNpb24iOjEsIml2IjoiR2RWZ0JhK3FnZGZrTkNRVjh3NzFJUT09IiwiY2lwaGVyVGV4dCI6IlBXUEdPcThkMnFEbnpMNitnc1NqbHVjdzBId3dCNWhlUVF0SStrZ2hNOFBhRkRqZURwOVJkakphWHBXTyszTlQ4dWkxTnYzMURkSG80ZGo0YVo2RHNIWTJJRGUyYnQ2bnBHUVoxV0FGcjZxQjErUTBKQlh6RHZVaCIsImF1dGhUYWciOiIyUGhwbm9Pd2RqWWdON1p1M3Fla1pBPT0ifQ%3D%3D" style="color:#006E99;text-decoration: underline;">Schwab.com/contactus</a> to identify a fast and simple way to get in touch.</p></td></tr></table></td></tr></table>
<!--[if gte mso 9]></td></tr></table><![endif]--></td></tr></table> 
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]-->
<table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation">
  <tr>
    <td class="dark-background-PH-disclosures" align="center" valign="top" style="">
      <table border="0" cellspacing="0" cellpadding="0" role="presentation" align="center">
        <tr>
          <td class="dark-background-PH-disclosures" align="left" valign="middle" bgcolor="#F4F5F6" style="font-family: Arial, sans-serif; font-size: 13px; color: #5A6772; border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color: #F4F5F6; padding: 16px 24px 0px;">
            
            <p class="dark-background-PH-disclosures" style="color:#5A6772; font-family:Arial, Helvetica, sans-serif; font-size: 13px; font-weight: normal; line-height: 20px;">For your protection, we are unable to accept instructions to change your email address sent in reply to this message. To update your address using a secure channel, please <a class="dark-background-link" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjkzMjVkMmIyLTIyOWEtNDA2Yy05ZjNjLTE5ZDQ2ZDlhYmIxOSIsImRla1ZlcnNpb24iOjEsIml2IjoiS1BVV0o1QnpVY0RadGpYOU1nTVdsdz09IiwiY2lwaGVyVGV4dCI6IklGYTE3Q2hCc3ZtWHdKdU15SDQvdXNvSS9WNHkrZnAyQ3dYSk9KR1ROalhaMUtzeFZLeHZYV3Ryb25JNWlTdUtDR0dvRDRLL0VBZHdwOTBYYlRwSWZ3VEsxejFIMmhFRFRQd285Ullua0hOUndObTJOZjB5QXhhWCIsImF1dGhUYWciOiIzUmR0T2toL0JNclhQVWZhRVFOTS9BPT0ifQ%3D%3D" style="color:#006E99;text-decoration: underline;">log in</a> to your account.</p></td></tr></table></td></tr></table>
<!--[if gte mso 9]></td></tr></table><![endif]--></td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]-->
<table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation">
  <tr>
    <td class="dark-background-PH-disclosures" align="center" valign="top" style="">
      <table border="0" cellspacing="0" cellpadding="0" role="presentation" align="center">
        <tr>
          <td class="dark-background-PH-disclosures" align="left" valign="middle" bgcolor="#F4F5F6" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 13px; color: #5E6E7A;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color:  #F4F5F6; padding: 16px 24px 0px;">
            
            <p class="dark-background-PH-disclosures" style="color:#5A6772; font-family: Arial, Helvetica, sans-serif; font-size: 13px; font-weight: normal; line-height: 20px; padding: 0 0 0px 0; Margin: 0;">For your security, Charles Schwab will never request personal information through email.
<br><br>
              View <a class="dark-background-link" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjY1ODg2OGYxLTY3MzctNDgzNC05OGI2LTQ5NzEyY2I2ZmMwYyIsImRla1ZlcnNpb24iOjEsIml2IjoiaUl1cXhZOFVwbDEwemdvdlFXMmN2dz09IiwiY2lwaGVyVGV4dCI6IlJWMFl4RVRtSm5PV2QwclNCdG90RjFXcEVkU25WZGZWSEt1UWNZNEdqbC9WeXd2dmdTbWE3dXd5UEI1Ymg4cUFGZ1VCdm80NEY3ZVRYVmg2c2I3UlVFOGt0VURCUlYrMEVyZUlpNnJGanhTbVhYVE9DaTlCYlp5LyIsImF1dGhUYWciOiJXSHF4dnRGUVR5UzFRTUZGWDdRU3R3PT0ifQ%3D%3D" style="color:#006E99;text-decoration: underline;">SchwabSafe<sup style="mso-text-raise:80%; font-size:50%; position: relative;" valign="top">&reg;</sup></a> and 
<a class="dark-background-link" href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6IjQ0NWU4OWI3LWZmYmEtNDk0YS04MWUwLTQwMjc4NjA2NDNhYiIsImRla1ZlcnNpb24iOjEsIml2IjoiKzNVRElTZGppTUNtd04zWWE0cFVydz09IiwiY2lwaGVyVGV4dCI6IkVodDlOcm1ZMmxkejZpbVRLYXNsZGJ2b1Z0L0tGMzVGNVgvL2dEL3dXNlY0Sk5FUjc4ZFNWcWFBYWkwWU11YUJ1SHJvdnRBOVVFZXBCakg4NklHMHp1Wkh0aXdpWWxkelk2ZjdkUU1oSjJPSXdLYkEzZGhyaWxTdiIsImF1dGhUYWciOiJNZnpvZ2JUTzVrZTJMQ0ppVjNOanB3PT0ifQ%3D%3D" style="color:#006E99;text-decoration: underline;">The Schwab Security Guarantee</a>.
<br><br>
Notice: All email sent to or from the Charles Schwab corporate email system is subject to archival, monitoring and/or review by Schwab personnel.
<br><br>
Charles Schwab &amp; Co., Inc., 3000 Schwab Way, Westlake, TX 76262-8104.
               <br><br>
               &copy;2026 Charles Schwab &amp; Co., Inc. All rights reserved. Member 
              <a href="https://click.mail.schwab.com/?qs=eyJkZWtJZCI6ImRiMjIzOGZiLWE5YTctNDIyZS05ODliLWE3MzU1NDA0ZjA2NyIsImRla1ZlcnNpb24iOjEsIml2IjoiU2VkUEt4TStUNzkyTGZpUDVnQlpHdz09IiwiY2lwaGVyVGV4dCI6Ii9XZ3ZSSTNUS1UwWGtkRzl1ZVBQUlJWdmVUWHRyRjlja0dMcFNReUFnYkJFZHdCRzZLdTVsQm1UcjVwV3pGcmZVb0dBZWpRa1BNWkViYk9Mbm5IL1pNRnY4L1pNSkdlejRNbEo1MDhyRXo1UHYzWXQrSS9tQUZrYiIsImF1dGhUYWciOiJzNHVlY2Y5a3dXL3o5a3drWjdQZ3lRPT0ifQ%3D%3D" style="color:#006E99;text-decoration: underline;">SIPC</a>.
            <br></p></td></tr></table></td></tr></table>
<!--[if gte mso 9]></td></tr></table><![endif]--></td></tr></table> 
 
 
 
          </td></tr></table>             
                  <!-- End Disclosure Text -->
                </td>
              </tr>
              <tr>
                <td class="wrapper" bgcolor=" #F4F5F6" style="background-color:  #F4F5F6; padding: 0px 0px 0px;" >
                  <!-- Begin Below Additional Disclosure Text -->
                  
                  <!-- End Below Additional Disclosure Text -->
                </td>
              </tr>
              <tr>
                <td class="wrapper" bgcolor=" #F4F5F6"  style="background-color: #F4F5F6; padding: 0px 0px 0px;">
                  <!-- Begin Footer Text -->
                  <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="background-color: transparent; min-width: 100%; " class="stylingblock-content-wrapper"><tr><td style="padding: 0px; " class="stylingblock-content-wrapper camarker-inner"><!--[if gte mso 9]><table align="center" border="0" width="600px" style="width: 600px;" cellpadding="0" cellspacing="0" role="presentation"><tr><td><![endif]-->
<table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation">
  <tr>
    <td class="dark-background-PH-disclosures" align="left" valign="top" style="background-color: #F4F5F6;">
      <table border="0" cellspacing="0" cellpadding="0" role="presentation" align="left">
        <tr>
          <td class="dark-background-PH-disclosures" align="left" valign="middle" bgcolor="#F4F5F6" style=" font-family: 'Charles Modern', Arial, sans-serif; font-size: 13px; color: #5A6772;  border-radius: 0px; -moz-border-radius: 0px; -webkit-border-radius: 0px; background-color: #F4F5F6; padding: 32px 24px 20px;">
            <p class="dark-background-PH-disclosures" style="color:#5A6772; font-family: Arial, Helvetica, sans-serif; font-size: 13px; font-weight: normal; line-height: 20px; padding: 0 0 0px 0; Margin: 0;"> 
             <!---->(0122-23ET)<!----> ESTRT
            </p>
          </td>
        </tr>
      </table>
    </td>
  </tr>
</table>
<!--[if gte mso 9]></td></tr></table><![endif]--></td></tr></table> 
                  <!-- End Footer Text -->
                </td>
              </tr>
            </table>
          </div>
        </td>
      </tr>
    </table>
    <img src="https://click.mail.schwab.com/open.aspx?QWWD4IQTFCMETLJ5H7LUYCRDNU.70251&d=70251&bmt=0" width="1" height="1" alt="">
 <!--[if gte mso 9]></td></tr></table><![endif]-->
  </body>
</html>

--JxftGArdwZzU=_?:--