Margin trading increases risk of loss and includes the possibility of a forced sale if account equity drops below required levels. Margin is not available in all account types. Margin trading privileges subject to 皇冠365 review and approval. Carefully review the Margin Handbook and Margin Disclosure Document for more details.  

Cash in the IDA is held at one or more Program Bank. Three of the Program Banks are Charles Schwab Bank, SSB; Charles Schwab Premier Bank, SSB; and Charles Schwab Trust Bank, each an affiliate of 皇冠365. Each bank’s insurance will cover your cash balances up to the current $250,000 per-depositor FDIC maximum for bank failure. By utilizing multiple banks, the IDA has been structured to provide you with FDIC insurance of up to $500,000 per depositor in each recognized legal capacity (e.g., up to $500,000 for individual accounts and $1,000,000 for joint accounts). To learn more about FDIC coverage go to www.FDIC.gov.

Non-Deposit Investment Products: NOT FDIC INSURED-NO BANK GUARANTEE-MAY LOSE VALUE.

**The Plus IDA rate is available for 皇冠365 clients with $1 million or more in account value. Clients who meet this threshold for three consecutive business days within any monthly “sweep period” become eligible for the Plus IDA rate at the beginning of the next sweep period, and remain eligible for the subsequent 12 month period. If account value falls below $1 million during any monthly sweep period , thereafter, 皇冠365 in its sole discretion, may stop paying the Plus IDA rate. The IDA rate applicable to your account will appear on your Positions page under Cash and Cash Alternatives.

Interest rates paid on balances in the IDA and 皇冠365 Cash are based on tiers. The previous day’s closing balance determines eligibility for a particular tier each day. Interest is accrued daily based on the interest rate tier applicable to each day’s balance and is credited monthly on the last business day. In accordance with the Client Agreement, 皇冠365 may change the tiers and rates at its discretion and without notice and the same rate may apply to more than one tier. Rate changes may vary by program, location, or arrangement.

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.

皇冠365, Inc., member FINRA/SIPC, a subsidiary of The Charles Schwab Corporation. 皇冠365 is a trademark jointly owned by 皇冠365 IP Company, Inc. and The Toronto-Dominion Bank. © 2023 Charles Schwab & Co., Inc. All rights reserved.