Account Overview Disclosures

Not all footnotes & disclosures apply to all clients or all accounts.

My Retirement Progress™ is calculated by Schwab Retirement Plan Services, Inc. (SRPS) based on estimated monthly income projections in retirement. SRPS then expresses the potential gap a participant may have between the estimated monthly income projection versus the income a participant may need in retirement as a percentage of income replacement. This gap is defined as three different target statuses: Off Target, a participants estimated Monthly Income is less than 97% of their Monthly Income Goal ; At Target a participants estimated Monthly Income is within 97% - 103% of their Monthly Income Goal; Above Target, a participants estimated Monthly Income is 103% or greater than their Monthly Income Goal. Projections and other information regarding the likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. To obtain more information about how these elements are calculated and assumptions used by this tool, please read the Learn More document.

PCRA balances displayed on workplace.schwab.com are for informational purposes only and may not reflect recent activity. Due to variations in the timing of pricing and system updates, the actual balances of your PCRA on schwab.com may be different from the PCRA balances displayed on workplace.schwab.com. For the most up-to-date balances and complete information about your PCRA, please visit schwab.com.

Information presented is for general informational purposes only and should not be considered a recommendation for any of the options presented or as personalized advice. Tax information provided is for educational purposes only and not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, you should consult with a qualified tax professional or financial advisor.

Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons.

Schwab Personal Choice Retirement Account® (PCRA) is offered through Charles Schwab & Co., Inc. (Member SIPC, www.sipc.org), a registered broker-dealer, as part of the Plan, with Plan recordkeeping services provided by Schwab Retirement Plan Services, Inc.

The Charles Schwab Corporation provides services to retirement and other benefit plans and participants through its separate but affiliated companies and subsidiaries: Charles Schwab Trust Bank; Charles Schwab Bank, SSB; Charles Schwab & Co., Inc.; and Schwab Retirement Plan Services, Inc. Trust, custody, and deposit products and services are available through Charles Schwab Trust Bank and Charles Schwab Bank, SSB, Members of FDIC. Brokerage products and services are offered by Charles Schwab & Co., Inc. (Member SIPC). Schwab Retirement Plan Services, Inc. is not a fiduciary to retirement plans or participants and only provides recordkeeping and related services.