Timing of your first RMD

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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.

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