Charles Schwab & Co., Inc. and Charles Schwab Bank are separate but affiliated companies and wholly owned subsidiaries of The Charles Schwab Corporation. Brokerage products and services are offered by Charles Schwab & Co., Inc., Member SIPC. Deposit and lending products and services are offered by Schwab Bank, Member FDIC and an Equal Housing Lender.

1. The Annual Percentage Yield (APY) on the Schwab Bank High Yield Investor Checking account, with a minimum balance of $0.01, is 2.01% as of 08/01/2008. This rate is variable and may change without notice. The current APY on the Schwab Bank Investor Checking account for an account with $1 is  4 times higher (when rounded to the nearest whole number) than the national average APY of banks and thrifts (excludes credit unions), based upon a survey by Informa Research Services, Inc., Calabasas, CA, (www.informars.com), as of August 1, 2008. Although the information has been obtained from the various institutions themselves, its accuracy cannot be guaranteed.
2. Unlimited ATM fee rebates apply to cash withdrawals using the Schwab Bank Visa® Platinum Check Card wherever it is accepted. ATM fee rebates do not include currency exchange fees; fees imposed by merchants for POS transactions; or fees for stamp purchases, balance inquiries, or any transactions other than an ATM cash withdrawal from your Schwab Bank account. Schwab Bank makes its best effort to identify those ATM fees eligible for rebate, based on information it receives from Visa and ATM operators. In the event that you have not received a rebate for a fee that you believe is eligible, please call a Schwab Bank Client Service Specialist for assistance. Schwab Bank reserves the right to modify or discontinue the ATM fee rebate at any time.
3. Funds deposited at Charles Schwab Bank are insured, in aggregate, up to $100,000 (based on account ownership type) by the Federal Deposit Insurance Corporation (FDIC).