Certain Charles Schwab Affiliates

For Clients of Charles Schwab Singapore Pte. Ltd.

Charles Schwab Singapore Pte. Ltd. provides you with all the products and services and maintains the account relationship with you. Charles Schwab Singapore Pte. Ltd. outsources some functions and services to Charles Schwab & Co., Inc. and Charles Schwab Futures, Inc. (collectively referred to as "Schwab") relating to securities and futures, respectively. You may receive communications or material directly from Schwab. For all queries relating to products and services, please contact Charles Schwab Singapore Pte. Ltd.

For Clients of Charles Schwab, U.K., Ltd.

Charles Schwab, U.K., Ltd. provides you with all the products and services and maintains the account relationship with you. Charles Schwab, U.K., Ltd. outsources some functions and services to Charles Schwab & Co., Inc. ("Schwab") relating to securities. You may receive communications or material directly from Schwab. For all queries relating to products and services, please contact Charles Schwab, U.K., Ltd.