When you interact with Schwab Bank via schwabbank.com we strive to make that experience easy and meaningful. To do so, we use several tools. When you come to schwabbank.com, our Web server sends a cookie to your computer. A cookie is simply an electronically transmitted file that holds small pieces of information. When you navigate through schwabbank.com, your browser "requests" pages for you to view, and that request will include the information stored in the cookie we previously sent to your computer. This process is like an electronic "handshake" between Schwab Bank's system and your computer; the information exchanged allows us to recognize your browser.

Schwab Bank also uses other technology, such as "Graphics Interchange Format" files (GIFs) to recognize users and collect and transmit information online, as described below.

About Cookies and Personal Identification
Standing alone, cookies, GIFs and other Web tools, as well as data derived from them, do not identify you personally. They merely recognize your browser. Unless you choose to identify yourself to Schwab Bank, either by responding to a promotional offer or opening an account, you remain anonymous to Schwab. "Persistent Cookies." Cookies come in two flavors: persistent and session-based. Only persistent cookies remain on your computer after you've closed your browser or turned off your computer. Schwab Bank does not use persistent cookies.

"Session Cookies." Session cookies exist only during an online session with Schwab Bank. They disappear from your computer when you close your browser software or turn off your computer. Session cookies allow you to conduct transactions or request your own personal or account information on our Web site. They contain encrypted or encoded information about your account(s), and/or identifying information that you have previously provided to us. This information allows Schwab Bank to process your online transactions and requests. An example includes a request to see your account balance. Without the session cookie information, we would not be able to complete your Web transactions securely. Session cookies help us make sure you are who you say you are after you've logged in.

"Graphics Interchange Format (GIF)." On our Web sites, including Schwab Bank pages hosted by our agents we sometimes include a GIF. On the Web, they allow us to keep your secure session active while you may be viewing non secure pages such as product information or FAQ's so that you will not have to log in again when you return to a secure page.

"Other Web Tools." Sometimes we include links to Web pages in banner advertisements that include a code that allows us to know if you clicked on that link. We do this so that we can personalize your experience; such as recognizing you when you reach the Web page you clicked to, or by displaying information and content we believe will be relevant to you. We also do this to measure the effectiveness and usefulness of our advertisements and the messages we send, and we use this information to continually improve the way we communicate.

Other Ways Schwab Bank Uses Information Obtained From Cookies and GIFs.
Cookies enable us to understand better how you and others use schwabbank.com. They allow us to collect information about where your browser goes on our site. This assists us in understanding your preferences and improving the site. For example, the information we obtain from cookies or GIFs helps us understand whether our customers use certain Web features and how to improve navigation. We also may use information gathered as the result of GIFs or cookies to target communications to groups of customers based on the parts of schwabbank.com they visit the most. Knowing where your browser has been on our site helps us present useful information and offers to you. We do not sell this or any other information about you to other Web sites, merchants or financial institutions. Unless you have affirmatively consented, we do not provide any personally identifiable information about you to anyone else for their marketing purposes.

Security
Schwab Bank incorporates a number of features to protect your accounts and personal information. The bank itself resides behind a rigid "firewall" and is protected from unauthorized entry.

In addition, Schwab Bank incorporates the following elements to ensure your transactions are protected:

128-bit High Encryption Browser
Schwab Bank requires you to use a secure browser to access account information and perform transactions. This ensures that information you access is secure and confidential. Netscape Navigator^®, Netscape Communicator, and Microsoft^® Internet Explorer are all browsers that support encryption.

User Name and Password
To access account information; you must first provide a User Name. Your online password will be entered on a subsequent page. Your password is not displayed when entered (i.e. the password is masked as asterisks and does not appear on clear text on your screen.)

Multiple Firewalls
Firewalls are used to protect Schwab Bank's systems and proprietary network from any unauthorized Internet traffic. A firewall is used to ensure only Schwab Bank traffic is allowed to pass to our systems and networks. In other words, traffic from the Internet that is not from Schwab Bank customers is rejected. Firewalls also create logs of network traffic that allow for centralized auditing and security monitoring.

What Is SSL And How Does It Protect Me?
Secure Socket Layer (or SSL) is a protocol designed by Netscape Communications Corporation to provide secure communications on the Internet. Essentially, SSL does three things:

• SSL creates a secured communication channel by encrypting communication between the user and the server.
• SSL authenticates that the server to which you are connected is indeed correct. So that you are actually communicating with Schwab Bank, and not a third party trying to intercept the transaction.
• SSL conducts a cryptographic word count to data integrity between the server and the user. The word count (or checksum) provides a count of the number of bytes in a document and ensures the exact number of bytes is transmitted and received. With SSL, even this checksum is encrypted so it cannot be modified. If a message is not received in its entirety, it is rejected and another copy of the message is sent automatically.

Steps You Should Take
You play an important role in safeguarding your personal information and protecting your privacy. Here are some of the things you can do:

• Schwab Bank will never request or disclose your personal information (account number, Login password, Social Security number) in either a non-secure or unsolicited email communication.
• If you get an email that warns you, with little or no notice, that an account of yours will be shut down unless you reconfirm your billing information, do not reply or click on the link in the email.
• When you enter account or personal information at the schwabbank.com website, it will always be over a secure connection. You can be sure of this because you will see the secure site indicator in the lower right corner of your browser's frame in the shape of a padlock. It signals that your information is secure during transmission.
• Shred financial documents that contain your personal information before you discard.
• Check your credit report regularly to make sure no unauthorized activity has occurred.
• Protect your personal information (such as your PIN, Social Security number, date of birth, etc.). Do not give it out to any person or company or in an email unless you are familiar with them and you have initiated your communication with them.
• Don't carry unneeded credit cards, your Social Security card, your birth certificate or other personal documents in your purse or wallet.
• Review your monthly account statements carefully. Report any unrecognized or unusual activity immediately.

It's also important to protect your computer at home. Here are a few best practices to follow:

• Use and update antivirus software which not only protects your machine from malicious viruses, but also helps to protect the networks to which you connect.
• Use a firewall to protect the data on your computer from unauthorized users accessing your computer.
• Do not re-use passwords for sensitive systems.

How Schwab Bank Protects Your Identity
Your privacy is our priority and Schwab Bank is committed to protecting you

• We do not sell customer information to anyone.
• We use encryption technology to protect sensitive information that is transmitted over the Internet.
• We control access to your information inside our company by limiting employee access to systems and data.
• We ensure all employees are trained to safeguard your information.
• We continue to evaluate our efforts to protect personal information and make every effort to keep your personal information accurate.

Our most important asset is our relationship with you. We understand that you have entrusted us with your private financial information, and we do everything we can to maintain that trust.

How to Protect Against Phishing
What is Phishing?

Phishing is the illegal attempt to mislead consumers into providing personal or financial information, including account numbers, passwords and Social Security numbers, via email or through fraudulent Web sites.

The most frequent phishing attacks occur through email disguised to appear as though it came from a reputable financial institution or company. Most phishing attempts urge you to update or validate your account information, typically through a link in an email directing you to a fake Web site that appears to be legitimate.

How to spot a phishing attack

There are many phishing attacks active on the Internet. Here are a few of their lines and lures:

• An email contains an "urgent" or "shocking" tone requesting your immediate action on an account-related matter. Phishers frequently succeed by getting consumers to act quickly without thinking.
• An email is sent from a user falsely claiming to be a legitimate company with an attachment. An unsolicited email attachment more than likely contains a virus. Do not open it.
• A pop-up window appears from a user falsely claiming to be a legitimate company's Web site asking for personal information.

• Do not provide your personal or financial information in response to an email request or after clicking on a link from an email. Legitimate companies do not ask for this type of information through an email communication, no matter how official the email may look.
• Do not enter your personal information into a form within an email message or a pop-up. Email messages and pop-ups are not secure. It is never safe to enter your personal information in a form unless it is on a secure web site.
• Do not open an email from a sender you do not recognize that contains an attachment. A legitimate financial institution would not deliver unsolicited attachments. Delete the email with the attachment immediately.

• Check that you are interacting with a secure Web site. Before you submit personal or financial information on a Web site:
  
  • Look for the locked padlock or key icon at the bottom of your browser or
  • Make sure the web site address begins with "https://" instead of "http://". The "s" indicates that the site is secure.
  
  The absence of either of these items will indicate that the site is not secure. If you are unsure of the validity of the email, contact the institution directly -- not via any links in the email.
  
  
• Keep your browser software up-to-date with security updates. To adequately protect your computer, make sure you have current anti-virus and firewall software installed to help protect your personal information.
• Review your account statement carefully. Verify that all transactions are authorized and report any discrepancies immediately.

What To Do If You Are A Victim Of Identity Theft
If you are victim of identity theft, here are some recommended steps:

• Contact Schwab Bank and let us know you have been a victim of identity theft
• Contact the fraud departments of each of the 3 major credit bureaus:
  
  

  	Equifax	Experian	Trans Union
  Report Fraud	800-525-6285	888-397-3742	800-680-7289
  Order Credit Report	800-525-6285	888-397-3742	800-916-8800
  Web Address	www.equifax.com	www.experian.com	www.transunion.com
  Address	PO Box 740241 Atlanta, GA 30374-0241	PO Box 9530 Allen, TX 75013	PO Box 6790 Fullerton, CA 92634-6790

• Report the identity theft and request a "fraud alert." This ensures that the you contacted before any new account is opened and/or an existing account is changed.
• Request copies of credit reports. Review the reports carefully and identify any new accounts that may have been opened. Pay particular attention to the section of the report that lists "inquiries" from new companies. Contact these companies immediately and have them remove any pending or new accounts from their system. Note: Credit bureaus must provide free copies of credit reports to victims of identity theft.
• Contact the fraud departments of creditors to dispute unauthorized charges (e.g., credit card issuer, phone companies, utilities, banks, other lenders.) Describe your identity theft problem and follow up with a letter.
• File a report with your local police department and ask to file a report. This may help when clearing your credit.
• File a complaint with the Federal Trade Commission (FTC). The FTC handles complaints from victims of identity theft, provides information to those victims, and refers complaints to appropriate entities, including the major credit-reporting agencies and law enforcement agencies.
  • By phone: 1-877-ID-THEFT
  • Online Complaint Form: www.consumer.gov/idtheft

Other Resources to Learn More about ID theft:

Federal Trade Commission - ID Theft - www.ftc.gov/bcp/conline/pubs/credit/idtheft.htm

Federal Trade Commission - Phishing - www.ftc.gov/bcp/conline/pubs/alerts/phishingalrt.htm

Identity Theft Resource Center - www.privacyrights.org

Identity Theft Prevention and Survival - www.identitytheft.org

Social Security Administration - www.ssa.gov/oig/guidelin.htm

Justice Department - www.usdoj.gov/criminal/fraud/idtheft.html

Postal Inspection Service - www.usps.com/websites/depart/inspect

Please note, these links are being provided as a service convenience. Schwab Bank is not affiliated with any of these organizations and cannot guarantee their accuracy, effectiveness and/or completeness.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY USING THIS SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW

TERMS AND CONDITIONS OF USE
Welcome to the public area of the schwabbank.com web site! This web site is owned and operated by Charles Schwab Bank and its banking and non-banking subsidiaries and affiliates (collectively "Schwab Bank", "the bank", "we", "us", or "our" "). You may use the public areas of schwabbank.com (the "Public Site") only if you agree, without modification, to these terms and conditions (the "Terms"). Schwab Bank reserves the right to modify or discontinue, temporarily or permanently, all or any portion of the Public Site with or without notice. You agree that Schwab Bank will not be liable to you or to any third party for any such modification, suspension or discontinuance.

CHANGES TO TERMS
Schwab Bank may at any time revise these terms and conditions by updating the Terms. You agree to be bound by subsequent revisions and agree to review the Terms periodically for changes to the terms and conditions. The most up to date version of the Terms will always be available for your review under the "Legal Information" link that appears at the bottom of the home page as well as one or more other pages on the Public Site. Schwab Bank may also offer other services from time to time that are governed by different terms and conditions. If you have an account with Schwab Bank, your customer relationship with Schwab Bank is also governed by other agreements including without limitation your Deposit Account Agreement(s).

NATURE OF PRODUCTS AND SERVICES
This web site contains information about Schwab Bank. We may change the nature of the services or products described in this web site at any time, without notice to you.

GRANT OF LICENSE
Schwab Bank grants you a single, non-exclusive, non-transferable, limited personal license to access and use the Public Site. This license is conditioned on your continued compliance with the terms and conditions in these Terms.

TERM AND TERMINATION
The license granted under these Terms will terminate if you fail to comply with any term or condition of these Terms. Upon such violation, you agree to terminate access to the Public Site. You agree that Schwab Bank, in its sole discretion and with or without notice, may terminate your access to any or all of the Public Site, and remove and discard any information or content within the Public Site. Schwab Bank may also in its sole discretion with or without notice discontinue providing the Public Site. You also agree that Schwab Bank will not be liable to you or any third-party for any termination of your access to the Public Site.

COPYRIGHT AND TRADEMARK/SERVICE MARK
The Public Site and its content are owned by Schwab Bank or its affiliates or agents and are protected by United States copyright laws and international treaty provisions. All content, trademarks, services marks, trade names, logos, and icons are proprietary to Schwab Bank or its affiliates or agents. Nothing contained on the Public Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Public Site without the written permission of Schwab Bank or such third party that may own the trademarks displayed on the Public Site. Your use of the trademarks displayed on the Public Site, or any other content on the Public Site, except as provided herein, is strictly prohibited. Images displayed on the Public Site are either the property of, or used with permission by, Schwab Bank. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted under these Terms. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, or other regulations and statutes.

LIMITATION OF LIABILITY AND INDEMNIFICATION
You agree to indemnify and hold Schwab Bank and its affiliates, agents, employees, and licensors harmless from any claim, demand, loss, costs or expense, including attorneys' fees, made by any person arising out of your use of any portion of the Public Site or your violation of these Terms. UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO A NEGLIGENT ACT, WILL SCHWAB BANK OR ITS AFFILIATES OR AGENTS BE LIABLE FOR ANY DAMAGES OF ANY KIND INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, ANY PORTION OF THE PUBLIC SITE, EVEN IF A SCHWAB BANK AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING DISCLAIMER IS EFFECTIVE WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, TORT, STRICT LIABILITY OR ANY OTHER THEORY. Applicable law may not allow the limitation or exclusion of liability of incidental or consequential damages, so the above limitation or exclusion may not apply to you.

RESTRICTIONS ON USE
Except as otherwise permitted by Schwab Bank, no materials from the Public Site or any site owned, operated, licensed or controlled by Schwab Bank may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on the Public Site for non-commercial, personal use. If you do so, you agree to retain all copyright and other proprietary notices contained on the materials. You may not use, distribute, modify, transmit, or post the content of the Public Site for public or commercial purposes, including any text, images, audio, or video without Schwab Bank's written permission.

ACCESSING THE PUBLIC SITE
With the exception of applications commonly known as Web Browser software, or other applications formally approved by Schwab Bank in writing, you agree not to use any software, program, application or any other device to access or log on to Schwab Bank's computer systems, Web site or proprietary software or to automate the process of obtaining, downloading, transferring or transmitting any content, information or quotes to or from Schwab Bank's computer systems, Web site or proprietary software. Schwab Bank is not responsible for, and makes no warranties regarding, the access, speed or availability of the Internet in general or the Public Site in particular. You agree that you will not: (a) use any robot, spider, other automatic device or manual process to monitor or copy our web pages or the content contained herein without our prior written permission; (b) use any device, software or routine to interfere or attempt to interfere with the proper working of the Public Site or any transaction being conducted on either; (c) take any action that imposes an unreasonable or disproportionately large load on our infrastructure; or (d) reverse engineer, reverse assemble or otherwise attempt to discover any source code. Information on the Public Site may be updated on a periodic basis and is proprietary or is licensed to us by others. You agree that you will not copy, reproduce, alter, modify, create derivative works, or publicly display any content from the Public Site without our prior written permission, or that of the appropriate third party.

MANNER OF USE - NO INVESTMENT ADVICE OR RECOMMENDATIONS
The Public Site and its content are for information and education purposes only. You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of the Public Site. Although the Public Site may provide information relating to approaches to estate or financial planning or investing or types of securities and investments you might buy or sell, no information available through the Public Site is intended or should be construed as an investment recommendation or endorsement from Schwab Bank. Nothing contained on the Public Site constitutes legal, investment, or financial advice. In exchange for using the Public Site, you agree not to hold Schwab Bank liable for any possible claim for any damages arising from any decision you make based on information made available to you through the Public site.

PRODUCT INFORMATION
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DISCLAIMERS
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GOVERNING LAW
THIS WEBSITE IS DESIGNED FOR U.S RESIDENTS, AND ALL SERVICES AND PRODUCTS ARE SUBJECT TO COUNTRY SPECIFIC RESTRICTIONS. RESIDENTS OF OTHER COUNTRIES MAY, BY REASON OF LOCAL LAWS, BE UNABLE TO OBTAIN ALL PRODUCTS AND SERVICES DESCRIBED HEREIN. These terms and conditions will be governed by the laws of the State of Nevada without regard to conflicts of law principles thereof. The state or federal courts located in Washoe County, Nevada shall have exclusive jurisdiction over any cause of action arising out of the content or use of this web site. If any part of these Terms is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. Charles Schwab Bank is a wholly owned subsidiary of the Charles Schwab Corporation.

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