You also acknowledge that we may report any reasonable belief in financial abuse or, in other circumstances that we deem necessary for your protection, in the national securities manager, in a public adult protection agency or in law enforcement. The account agreement as amended from time to time is the full statement of your agreement with us. After prior or simultaneous written notice to you, we may modify or terminate existing provisions or add new provisions. By not closing and/or continuing to use your account, you confirm your consent to compliance with the Account Agreement as amended from time to time. At regular intervals, we will send you a full settlement showing the activity on your account, including current interest rates, interest rates and adjusted daily balances. Excess term account balances are scanned daily on your brokerage account. It is your responsibility to choose (or change) the basic cost billing method appropriate to your tax situation. If you do not select (or change) your desired cost base billing method before the trade is cleared, you may have adverse tax effects. Schwab does not offer tax advice and recommends that you consult a tax advisor on basic cost decisions. More detailed information on the cost basis can be found in the cost-based publication statement on schwab.com.
You are responsible for the confidentiality and use of your access number(s), password(s) and account number(s). You agree to notify Schwab immediately if you become aware of it: If your own funds fall under the applicable maintenance obligation, we may inform you by post, telegram, telephone or email or other means of a margin call of an amount sufficient to bring your account back to the level of equity we require. . . .
