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Important Disclosures

The information provided is for general informational purposes only and should not be considered as an individualized recommendation or personalized investment advice.

The opinions discussed may not be representative of the experience of clients and is not a guarantee of future performance or success. Investing involves risks, including loss of principal.

Please read the Schwab Intelligent Portfolios Solutions™ disclosure brochures for important information, pricing, and disclosures related to the Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs. Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium™ are made available through Charles Schwab & Co. Inc. (“Schwab”), a dually registered investment advisor and broker dealer. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. ("CSIA"). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation.services are provided by Charles Schwab Investment Advisory, Inc. ("CSIA"). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation.

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Not all products, services, or investments are available in all countries. Nothing on this website is intended for residents of a particular country, nor is the information provided an offer to sell or a solicitation of an offer to buy securities, products or services, by any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Investing in U.S. securities is not without risk. Investment returns will fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost.

Charles Schwab SG Pte. Ltd. (Reg. No. 200902152D) holder of a capital markets services license issued by the Monetary Authority of Singapore and an Exempt Financial Adviser as defined in the Financial Advisers Act, does not provide tax, legal or investment advice or recommendations. Content and tools are provided for educational and informational purposes only. Services offered in Singapore are provided by Charles Schwab SG Pte. Ltd. and nothing in the published material is an offer or solicitation to conduct business in any other jurisdiction.

Charles Schwab SG Pte. Ltd. trading as Charles Schwab Singapore.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

For Accredited Investor Clients: Your account relationship is with Charles Schwab & Co., Inc. (Member FINRA/SIPC) and, when applicable, Charles Schwab Futures & Forex, LLC., for securities and futures respectively, and all are subsidiaries of The Charles Schwab Corporation. You may receive communications or material directly from these providers.

For Retail Clients: Your account relationship is with Charles Schwab SG Pte. Ltd. (Reg. No. 200902152D) holder of a capital markets services license issued by the Monetary Authority of Singapore and an Exempt Financial Adviser as defined in the Financial Advisers Act, for all services provided to you. Charles Schwab SG Pte. Ltd, trading as Charles Schwab Singapore, outsources its clearing, execution and custody functions and services to Charles Schwab & Co., Inc. and Charles Schwab Futures & Forex, LLC. (Collectively referred to as "Outsource Service Providers") for securities and futures, respectively. You may receive communications or material directly from our Outsource Service Providers; however, for all queries, please contact Charles Schwab Singapore.

Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons.

Charles Schwab SG Pte. Ltd., Charles Schwab & Co., Inc. (Member SIPC) and Charles Schwab Futures & Forex LLC., are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation and does not provide tax, legal or investment advice or recommendations. Content and tools are provided for educational and informational purposes only. Nothing herein is an offer or solicitation of securities, products and services by Charles Schwab SG Pte. Ltd., Charles Schwab & Co., Inc. or Charles Schwab Futures & Forex LLC., in any jurisdiction where their offer or sale is not qualified or exempt from registration.

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