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Ameritrade,nowpartofCharlesSchwab #1forSatisfactionamongdo-it-yourselfinvestorsTDAmeritrade,Inc.("Ameritrade")MemberSIPC,asubsidiaryofTheCharlesSchwabCorporation("CharlesSchwab"),receivedthehighestscoreinthedo-it-yourselfsegmentoftheJ.D.Power2024U.S.Self-DirectedInvestorSatisfactionStudyofinvestors'satisfactionwithself-directedinvestmentfirms.Itisindependentlyconducted,andtheparticipatingfirmsdonotpaytoparticipate.Useofstudyresultsinpromotionalmaterialsissubjecttoalicensefee.Visitjdpower.com/awardsformoredetails. Importantinformationaboutourrelationshipwithyou:ClientRelationshipSummaries OurClientRelationshipSummariesofferabriefsummaryofourservices,fees,andobligationswhenweworkwithyouinabroker-dealeroraninvestmentadvisoryrelationship. Learnmoreatschwab.com/transparency > Weencoureyourquestions. Hereareanswerstosometopquestionsfrominvestorslikeyou: WhatistheSchwabSecurityGuarantee? 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SeetheCharlesSchwabPricingGuide forIndividualInvestorsforfullfeeandcommissionschedules.2.ETFsatCharlesSchwab&Co.,Inc.("Schwab")whichareU.S.exchange-listedcanbetradedwithoutacommissiononbuyandselltransactionsmadeonlineinaSchwabaccount.UnlistedETFsaresubjecttoacommission.Pleaseseepricingguideforadditionalinformation.SchwabdoesnotreceivepaymenttopromoteanyparticularETFtoitscustomers.Schwab'saffiliateCharlesSchwabInvestmentManement,Inc.("CSIM")servesasinvestmentadvisortotheSchwabETFs,whichcompensateCSIMoutoftheapplicableoperatingexpenseratios.TheamountofthefeesisdisclosedintheprospectusofeachETF.3.TradesinnoloadfundsailablethroughSchwab'sMutualFundOneSource®service(includingSchwabFunds),aswellascertainotherfunds,areailablewithouttransactionfeeswhenplacedthroughschwab.comorourautomatedphonechannels.Foreachofthesetradeordersplacedthroughabroker,a$25servicechargeapplies.Schwab'sshort-termredemptionfeeof$49.95willbechargedonredemptionoffundspurchasedthroughMutualFundOneSource®serviceandheldfor90daysorless.Schwabreservestherighttochangethefundswemakeailablewithouttransactionfeesandtoreinstatefeesonanyfunds.CharlesSchwab&Co.,Inc.receivesremunerationfromfundcompaniesparticipatingintheMutualFundOneSourceserviceforrecordkeepingandshareholderservicesandotheradministrativeservices.Schwabalsomayreceiveremunerationfromtransactionfeefundcompaniesforcertainadministrativeservices. Therearenofeestoopenormaintainyouraccount.Otheraccountfees,fundexpenses,andbrokerecommissionsmayapply. HowdoIopenanaccount? Youcanopenanaccountonline,byphone,orinoneofover300branches.Clickheretoopenanaccountonlineinabout10minutes.Chooseyouraccounttype.Completeanapplication.Getstartedfundingandinvesting.Orcallusatorfindabranch. WhatkindofinvestmentproductsdoesSchwaboffer? Schwab offersawideselectionofinvestmentproductstohelpyoubuildadiversifiedportfolioandreachyourgoals. Howeasyisittoswitchbrokereproviders? Movingyourexistingaccounttoanewbrokerefirmmayseemdaunting,butSchwabmakestheprocesseasy:OpenaSchwabaccount.Useouronlineaccounttransfertooltoinitiatetheprocessandmonitorprogress.ViewandaccessyourassetsinyourSchwabaccount.Needhelp?Ouraccounttransferspecialistscanassistyoueverystepoftheway.Callusat.ClickheretoopenaSchwabaccountorlogintobeginthetransferprocess. WhyshouldIbankwithSchwabBank? 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