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Schwab Alliance User GuideNavigating Your Investment Portal

Table of ContentsClient Learning Center Overview ............................................. 1Service Guide .......................................................................7Setting Up Account Access (Desktop) ...................................8Setting Up Mobile Access .................................................10Logging in After Enrollment: Desktop ................................11Authentication/Verification Process ...................................13Logging in After Enrollment: Mobile ..................................15Fixing Login Issues: Retrieve Login ID or Reset Password ......16Explore Schwab Alliance At-A-Glance .................................17Total Value Chart ......................................................18Access Profile Icon ....................................................19Access Accounts Tab .................................................20Access Research Tab ..................................................21Access Move Money Tab .............................................22Locate Electronic Approval Request (Message Center) ............24Approve Requests with eAuthorization ...............................25Understanding Online Transfers (Transfers/Payments) ..........27Nickname and Organize Accounts .....................................28Add Authorized Viewers: View-Only Access .........................29Download Statements & Letters ........................................31Update Personal Contact Information ...............................32Change Security Features ................................................33Update Beneficiaries .......................................................34Enroll in Paperless Process ...............................................35

Give your clients a great welcome The Client Learning Center (schwaballiance.com/learningcenter)presents an overview of Schwab’s technology and resources in asimple, visual way. The site makes it easy for clients to learn howto use Schwab Alliance to access account information, approverequests initiated by you, or make simple account updates. It alsoprovides important information about how Schwab safeguardsclient information and assets, as well as steps clients can take toguard against fraud. The website provides clients with a clear understanding of Schwab’stechnology, safety measures, and role as custodianClient Learning CenterGetting to know the Client Learning CenterThe site’s navigation makes it easy to find the topics you and your clients are looking for—no login required. Withyour guidance and expertise, clients can easily access Schwab’s digital tools and resources to make the most of theiropportunities.WelcomeThe homepage helps clients understand the purpose of the site and how it can help them work with you to manage their Schwab account more efficiently and securely. It also highlights popular resources.WelcomeGet StartedOpen an AccountTransfer AssetsOnline AccessMobile AppManage Account DetailseDeliveryAccount ChangesMove MoneyOnline AccessMobile AppStatementsUnderstand Schwab’s RoleYou, Your Advisor, and SchwabHow Schwab Protects Your AssetsSafeguard Online InformationOnline Security

Get StartedFor new and prospective clients, this page is the place to start. It simplifies key processes, such as opening an account, transferring assets, signing up for online access, and downloading the Schwab mobile app. Understand Schwab’s RoleThis page explains Schwab’s role as custodian, including the policies and safeguards designed to protect your clients’ data and assets.Manage Account DetailsOnce clients are enrolled, this is where they can learn how to update account details, work with you to move money, understand statements, and take care of other account activities. Safeguard Online InformationData and financial security is a concern for every client. Here, clients can learn about Schwab’s rigorous data-protection measures as well as simple actions clients can take to protect their assets and accounts.

Four opportunities to share the Client Learning Center• In-person meetings: When clients have questions about policies or processes, pull up the site and useit as a conversation and support tool with clients. • Virtual meetings: Whether you’re on the phone or a video call, it’s easy to share the link with clients so they can navigate to the site. There, you can show them how to find key information in just a few clicks.• Email: You can link to any page of the site, or click the chain icon on each workflow for a link that will take clients directly to it.• Bookmark it: Encourage clients to bookmark the site so they can find answers to future queries or explore on their own. Intended for investment advisors. For informational purposes only.Schwab Alliance is a website of Schwab for the exclusive use of clients of advisors who custody with Schwab.Requires a wireless signal or mobile connection. System availability and response times are subject to market conditions and your mobile connection limitations. Functionality may vary by operating system and/or device. The Schwab Mobile Deposit service is subject to certain eligibility requirements, limitations, and other conditions. Enrollment is not guaranteed, and standard hold policies apply.Schwab does not provide legal, tax or compliance advice. Consult professionals in these fields to address your specific circumstance.© 2020 Charles Schwab & Co., Inc. (Schwab). All rights reserved. Member SIPC.Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading, and support services of Schwab. Independent investment advisors are not owned by, affiliated with, or supervised by Schwab.JUT (0221-1NMX) MKT114220-00 (02/21) 00258497

Screenshots are for illustrative purposes only.1You must be listed as the account owner to enroll in electronic delivery. Signing up for Schwab Alliance gives you accessto your account information virtually anytime, anywhere, while saving time and paperwork.Monitor your accounts easily and securelyGet instant access to your account information online—or on the go with the Schwab mobile app.Stay informed of the status of requests and securely approve transactions.Keep your contact information up-to-date so that you can be notified when necessary.Count on secure, paperless delivery of important documents, including account statements, trade confirmations, and tax reports.1Conveniently deposit checks with a tap of the camera on your smartphone or tablet.Grant view-only access to third parties, such as accountants, attorneys, and family members.Enhance your account security by adding two-factor authentication. Designed for investors like you, our website and mobile app enableyou to stay informed about your accounts while still relying on the one-on-one guidance provided by your independent advisor.Ask your advisor to initiate your online access to Schwab Alliance—it’s free, fast, and easy.Easy,secureaccess

Note: Always use caution when logging in away from home. Visit Schwab Safe on the Schwab Alliance homepage for tips about online security.Screenshots are for illustrative purposes only.B. Initiate enrollment on your own. Go to schwaballiance.com and click 1Initiate your online enrollment. There are two ways to initiate enrollment: A. Ask your advisor to initiate your online enrollment. You will receive an email with a link to get started. If the link has expired, ask your advisor to resend it.3Confirm your identity. As an additional layer of security, Schwab will text an security code to your mobile phone or call you directly. 2Verify your personal information. Enter your information such as Social Security number and brokerage account number through our secure interface. Your account number can be found in an account statement or your account verification letter. If you own more than one account, you can enter any one of those account numbers.New user?Set up account access

Screenshots are for illustrative purposes only.4Enter the security code. Type the security code provided by Schwab.5Create your login ID, password, and security question and answer. Create a login ID and password unique to this account. Choose a secret question and answer to make any future password resets easier. Answers must be at least five characters and can include spaces but not contain symbols (e.g., !@#%). For your own security, do not share this information with anyone, including your advisor.6Acknowledge your login ID and password. You will receive confirmation that your login ID and password were created. Click Continue to Schwab to log in.7Review and accept user agreements. Review the user agreements and check the 8Enroll in paperless delivery. Sign up for electronic delivery of key account documents. You can enroll all eligible accounts or select specific accounts for eDelivery of documents. for each to accept the terms.boxEnhance your account security by adding two-factor authentication and device verification. Visit the Security Center on Schwab Alliancefor more information. Questions? Contact a Schwab Alliance specialist at 800-515-2157 or ask your investment advisor.

1Download the SchwabMobile app.Visit the app store for your mobile device and search for Schwab Mobile. 2Log in to accessyour account.Use the same Schwab Alliance credentials you use online. 3Check your mobileapp settings.Navigate to More, then tap Profile & Settings and Login Settings. Scroll to the bottom and turn on Allow Multitasking to approve transactions electronically on your device.4Turn on push notifications(for iOS/Apple devices only).Navigate to your device Settings and tap Notifications. Ensure that Schwab Mobile is among the included apps. You can choose to display alerts on Lock Screen, History, and Banners. Alerts notify you of move money requests requiring your approval.Set up mobile accessThe Schwab Mobile Deposit™ service is subject to certain eligibility requirements, limitations, and other conditions.Enrollment is not guaranteed, and standard hold policies apply.Access to electronic services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons.Android is a trademark of Google, Inc.Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. iTunes, App Store, iPhone, and iPad are trademarks of Apple Inc.©2023 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. TWI (0823-3KUY) MKT70909-09 (08/23) 00289018Screenshots are for illustrative purposes only.Sign up for online access today—or call a Schwab Alliance specialist at 800-515-2157Download the SchwabMobile AppLog in to access youraccountCheck your movile appsettingsTurn on pushnotification (foriOS/Apple devices only.

Screenshots are for illustrative purposes only.Log in after enrollment: DesktopOnce enrolled, you can access Schwab Alliance at any time by visiting and entering your credentials.To access Schwab Alliance, clients entertheir credentials on the login screen.schwaballiance.com

Screenshots are for illustrative purposes only.Enroll in Schwab Alliance: Client initiation (continued)…to be taken directly to the enrollment page. Note that you will need your Schwab account number plus other personal information toverify their identity. Once the form is complete, then, click Continue.Then you click,Continue to proceed.You will need to complete the fields in all four enrollment steps, clickingthe green button in the lower-right corner to progress to the next step.

Screenshots are for illustrative purposes only.Enroll in Schwab Alliance: Authentication/verification processFor security purposes, Schwab may require you to enter a onetime access code to complete enrollment. You can the method they prefer,receive the code, then enter it on the following screen.After selecting a delivery method,the client clicks Continue.You will receive an access code toenter, then clicks Continue again.XXX-XXX-7890 XXX-XXX-7890XXX-XXX-7890.

Screenshots are for illustrative purposes only.Log in after enrollment: DesktopOnce enrolled, you can access Schwab Alliance at any time by visiting and entering your credentials.To access Schwab Alliance, clientheir credentials on the login screschwaballiance.com

Screenshots are for illustrative purposes only.Log in after enrollment: Mobile deviceMobile users have the best experience using the Schwab mobile app. Tip TipThe Schwab mobile app displays a tailored SchwabAlliance experience for users with credentials.Clients cannot enroll in Schwab Alliance via the mobile app. They must first enroll using a browser.3:21

Screenshots are for illustrative purposes only.Fix login issues: Retrieve login ID or reset passwordThe most frequent Schwab Alliance login issues involve forgotten or inactive credentials. Clients should follow these steps in both situations.If a client forgets theirpassword, enters theircredentials incorrectly, orotherwise cannot log in, theyreceive an error message.Clients can reset their credentials byclicking Forgot login ID or password?A secure reset form will populate ona new page. Clients should follow theprompts to reset their credentials. TipCredentials are disabled after long periods of inactivity.

1432567Screenshots are for illustrative purposes only.Accounts Trade Research Move Money Products...XXX...XXX...XXXSummary Balances Positions Investment Income Corporate Actions Securities Lending History StatementsSummaryFirm Name:Phone:Email:Website:Address: STUDEBAKER FINANCIAL123-456-7890studebakerfinancial@email.comschwabadvisorcenter.com211 MAIN SAN FRANCISCO, CA 94105*Your independent Investment Advisor is not affiliated with or an agent of Schwab and Schwabdoes not supervise or endorse them or any statement accompanying their logo.A summary Settings windowenables each client to customizehow they view their account(s).Primary and secondary navigationExpandable chartGeneral Explore the essential elements of your clients’ Schwab Alliance experience. Depending on the view type you select for each client,all options shown here may not be available. Learn about each view type and other customization options in the Service Guide .Quick Links tofrequently used pagesClients use this area to access andupload communications, requestindividualized support, andcustomize account preferences.Brand your clients’Schwab Allianceexperience with yourfirm’s logo andcontact information,which appears on keyareas of the site.Learn more in theService Guide .Total ValueMessage HighlightsExplore Schwab Alliance at-a-glance

Screenshots are for illustrative purposes only....XXX...XXX...XXX...XXX...XXX...XXXSummary Balances Positions Investment Income Corporate Actions Securities Lending History StatementsSummary Balances Positions Investment Income Corporate Actions Securities Lending History StatementsSummarySummaryFirm Name:Phone:Email:Website:Address: STUDEBAKER FINANCIAL123-456-7890studebakerfinancial@email.comschwabadvisorcenter.com211 MAIN SAN FRANCISCO, CA 94105Firm Name:Phone:Email:Website:Address: STUDEBAKER FINANCIAL123-456-7890studebakerfinancial@email.comschwabadvisorcenter.com211 MAIN SAN FRANCISCO, CA 94105*Your independent Investment Advisor is not affiliated with or an agent of Schwab and Schwabdoes not supervise or endorse them or any statement accompanying their logo.*Your independent Investment Advisor is not affiliated with or an agent of Schwab and Schwabdoes not supervise or endorse them or any statement accompanying their logo.Clickingcloses the view.To view the expandedTotal Value chart,click + Show Chart.You have the option of viewing the Total Value chart, which reflects the sum of their accounts, as well as changes due to such factors asdeposits and withdrawals. Because the chart does not reflect investment performance, to avoid confusion it is collapsed by default. - Hide Chart View the Total Value chartAccounts Trade ResearchAccountsMove MoneyTradeProductsResearch Move Money Products

Screenshots are for illustrative purposes only....XXX...XXX...XXXFirm Name:Phone:Email:Website:Address: STUDEBAKER FINANCIAL123-456-7890studebakerfinancial@email.comschwabadvisorcenter.com211 MAIN SAN FRANCISCO, CA 94105*Your independent Investment Advisor is not affiliated with or an agent of Schwab and Schwabdoes not supervise or endorse them or any statement accompanying their logo.Clients click the Profile icon to access many of the most important features they want to update or customize for their accounts. Theycan update contact and beneficiary information and adjust profile settings, security features, alert settings, and more. There is more information about these features later in this guide.Accounts Trade Research Move Money ProductsYour clients can click the Profile icon and select a topic from the drop-down menu.Summary Balances Positions Investment Income Corporate Actions Securities Lending History StatementsSummaryAccess the Profile icon

Screenshots are for illustrative purposes only. tab, you can view account balances, historical breakdowns, statements, and more. Some features on the tab may be restricted or limited based on the view that your advisor has set for your accounts. TipOn the AccountsAccountsAccess the Accounts tab...XXX...XXXDepending on the view type you selected for a client, some tabs and features may not bevisible. Learn about each view type and other customization options in the Service Guide .Firm Name:Phone:Email:Website:Address: STUDEBAKER FINANCIAL123-456-7890studebakerfinancial@email.comschwabadvisorcenter.com211 MAIN SAN FRANCISCO, CA 94105*Your independent Investment Advisor is not affiliated with or an agent of Schwab and Schwabdoes not supervise or endorse them or any statement accompanying their logo.

Screenshots are for illustrative purposes only.On the tab, you can explore educational resources and see the latest market news.ResearchAccess the Research tabAccounts Trade Research Move Money ProductsU.S. Markets Research Tools Watchlist.

Screenshots are for illustrative purposes only.From the Move Money tab, the default page you will first is Transfers & Payments. You can digitally approve money movement requests usingeAuthorization and move money into advised accounts. You can also see recent transfer activity and view routing numbers for incoming wires, direct deposits, and outgoing payments. There is more information about these features later in this guide.Access the Move Money tabAccounts Trade Research Move Money ProductsTransfers & Payments Resent Transfer Activity Online Transfer External Accounts Send Wire Pay Bills Request Check Transfer Account Routing Numbers & Direct DepositTransfers & Payments

Screenshots are for illustrative purposes only.Accounts Trade Research Move Money ProductsFrom the Products Tab, you can explore Schwab’s range of products and services. Please feel free to contact Kelly Olczakwith any questions - her office number is (585) 623-5982 for assistance.Access the Products tabOverview Bank Offerings Credit Cards

Screenshots are for illustrative purposes only.Accounts Trade Research Move Money ProductsMessagesClients who wish to contact the SchwabAlliance Service Team via securemessaging can click Upload Document.The Message Center is the centralized archive for eAuthorization email messages and requests that your advisor will send to you. Ifyou cannot locate an initial eAuthorization email, reach out to Chazz Miller for assistance. She can be reached at her office number(585) 623-5981.You can click the Messages icon, thenfrom the drop-down menu selectseither a specific message or the Takeme to Message Center link to view allarchived messages and requests. TipLocate electronic approval requests: Message Center...XX X...XX XIn addition to digitalenvelopes, you can alsofind and approveDocuSign requests in theMessage Center. Theywill receive notificationswhenever a newmessage or requestappears, and you canupload documents forsubmission to Your teamat LynnLeigh & Company.

Screenshots are for illustrative purposes only.You will clickto start the approval process.After your advisor initiates an eAuthorization request, such as to move money, you will receive an email like the one shown below. Toapprove, click the highlighted link…Approve requests with eAuthorizationReview Transaction ...XX XNickel, NancyST UDEB AKER FIN ANCI AL

Screenshots are for illustrative purposes only.…to launch the eAuthorization workflow.You may have to clickConsent before theworkflow displays thetransaction details.If the transaction detailsare accurate, the clientclicks the I agree checkbox,then clicks Submit.When the eAuthorizationis approved, the clientreceives a confirmationmessage. Approve requests with eAuthorization (continued)1. Consent 2. Instructions 3. Acknowledgment1. Consent 2. Instructions 3. Acknowledgment1. Consent 2. Instructions 3. Acknowledgment

Screenshots are for illustrative purposes only.To initiate a money movement, you should navigate toTransfers & Payments on the Move Money tab.You can also initiate money movements if given the appropriate view type. For more information, contact Chazz Miller at her office(585) 623-5981 TipUnderstand online transfers: Transfers and paymentsYou and your client can set up a Schwab MoneyLink® profile for recurring transfers. Please note that depending on whether you or your client setsup the MoneyLink profile, there may be authorization restrictions. Accounts Trade Research Move Money ProductsTransfers & Payments Resent Transfer Activity Online Transfer External Accounts Send Wire Pay Bills Request Check Transfer Account Routing Numbers & Direct DepositTransfers & Payments

Screenshots are for illustrative purposes only....XXX...XXX...XXXSummary Balances Positions Investment Income Corporate Actions Securities Lending History StatementsSummaryFirm Name:Phone:Email:Website:Address: STUDEBAKER FINANCIAL123-456-7890studebakerfinancial@email.comschwabadvisorcenter.com211 MAIN SAN FRANCISCO, CA 94105...XXX...XXX...XXX*Your independent Investment Advisor is not affiliated with or an agent of Schwab and Schwabdoes not supervise or endorse them or any statement accompanying their logo.To customize the To nickname accounts, you canclick Settings on the Summarypage of the Accounts tab... page, you can nickname accounts, group accounts, and more...to open the Summary Settingswindow. The client can then customizehow they want to view their account(s).SummaryNickname and organize accountsAccounts Trade Research Move Money Products

Screenshots are for illustrative purposes only.Firm Name:Phone:Email:Website:Address: STUDEBAKER FINANCIAL123-456-7890studebakerfinancial@email.comschwabadvisorcenter.com211 MAIN SAN FRANCISCO, CA 94105*Your independent Investment Advisor is not affiliated with or an agent of Schwab and Schwabdoes not supervise or endorse them or any statement accompanying their logo.You can click the Profile icon,selects Account Access fromthe drop-down menu...Account Access...then clicks theGive Account Accessbutton to get started.Give Account AccessThen, choose the levelof access they want toshare.View-only access is for clients who want to share a read-only Schwab Alliance experience with an authorized user, such as a spouse ortax professional.Add authorized viewers: View-only access

Screenshots are for illustrative purposes only.Add authorized viewers: View-only access (continued)Give Account AccessYou identify the accountto be shared...Give Account Access ...then enters information about whowill have access to the account...Give Account Access...and verifies that theinformation is correct.Which Account Do You Want Them to Access?Who Would You Like to Give Access to? Did We Get it Right?Bill BucksBill BucksNancy NickelNancy NickelNancy NickelNancy NickelBill234-567-8901bill.bucks@email.comBucksbill.bucks@email.comBill Bucks234-567-8901bill.bucks@email.com

Screenshots are for illustrative purposes only.You can download up to 10 years’ worth of account documents, including statements, tax forms, and letters.Then select the desired Date Range andDocument Type, then lick “Search”You can navigate to the Statementspage on the Accounts tab.Download statements and lettersAccounts Trade Research Move Money ProductsSummary Balances Positions Investment Income Corporate Actions Securities Lending History Statements...XXX...XXX...XXX...XXX...XXXStatements TipSome options, such as are not selected by default., Letters

Screenshots are for illustrative purposes only.Accounts Trade Research Move Money ProductsThe client can update their Phone Number, Address, and more.Whether a client verifying transactions via text or calling to reach a client when it matters most, having accurate contact informationis the key to keeping your clients’ accounts safe and secure.Your client clicksthe Profile icon, thenselects ContactInformation from thedrop-down menu., Update personal contact information123-456-7890nancy.nickel@email.com211 MAIN STREET SANFRANCISCO, CA 94105123-456-7890211 MAIN STREET SANFRANCISCO, CA 94105Account AddressesPrimary Contact InformationNancy NickelPrimary Email

Screenshots are for illustrative purposes only.Accounts Trade Research Move Money ProductsClients can also opt for more frequentas explained The client can update their logincredentials and set security questions.Then, click theProfile icon, thenselects SecuritySettings from thedrop-down menu.You can update your security credentials, turn on two-step verification to add an extra layer of protection, and set security alerts toquickly resolve issues that could pose a threat.Change security featuresTwo-step Verification, earlier in this guide.123-456-7890Security AlertsSecurity CredentialsTwo-step Verification

Screenshots are for illustrative purposes only.DORA NICKELBILL NICKELAccounts Trade Research Move Money ProductsYou can name or change beneficiaries on Schwab Alliance. The beneficiaries feature allows you to see all eligible accounts withbeneficiaries in a single location and update them as needed.You click the Profile icon,then selectsBeneficiaries from thedrop-down menu.Update beneficiariesMy BeneficiariesManage Your Beneficiaries...XXXDesignated Nancy Nickel

Screenshots are for illustrative purposes only.Accounts Trade Research Move Money ProductsIf an account is eligible, you can enroll in paperless communications on Schwab Alliance.You can choose to “Enroll InPaperless” options by checkingthe corresponding boxes.You click the Profile iconthen selects Paperlessfrom the drop-downmenu.Enroll in paperless deliveryPaperless Preferencies...XXX...XXXbill.nickel@email.comnancy.nickel@email.comnancy.nickel@email.comnancy.nickel@email.comnancy.nickel@email.combill.nickel@email.comNo Email Address On FileNo Email Address On File

Brokerage Products: Not FDIC-Insured. No Bank Guarantee. May Lose Value.For advisor use only. For general educational purposes only. Screenshots and graphics are for illustrative purposes only.Schwab Advisor Services™ serves independent investment advisors and includes the custody, trading, and support services of Charles Schwab & Co., Inc. (“Schwab”). Independent investment advisors are not owned by, affiliated with, or supervised by Schwab.Schwab Advisor Center® is a website of Schwab for the exclusive use of advisors who custody assets with Schwab.Schwab Alliance is a website of Schwab for the exclusive use of clients of advisors who custody assets with Schwab. Requires a wireless signal or mobile connection. System availability and response times are subject to market conditions and mobile connection limitations. Functionality may vary by operating system and/or device.The Schwab Mobile Deposit™ service is subject to certain eligibility requirements, limitations, and other conditions.Enrollment is not guaranteed, and standard hold policies apply.Access to electronic services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade or maintenance, or for other reasons.This material is for institutional investor use only. This material may not be forwarded or made available, in whole or in part, to any party that is not an institutional investor.To learn more about the Schwab Security Guarantee, go to schwab.com/schwabsafe/security-guarantee.©2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. TWI (0423-3HNW) GDE113448-03 (03/24) 00285754