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Cash Features refers to the following alternatives: Please note that certain foreign Schwab affiliates may have different Cash Features than the ones listed above.

Schwab may change the eligibility criteria for Cash Features on advance written notice to affected clients, or make certain Cash Features available to clients that do not otherwise meet published criteria.

You will not receive a separate confirmation for transactions in your Cash Feature.

Your Account statements will reflect all transactions in your Cash Feature (including purchases, redemptions, dividends, dividend reinvestments, deposits, and interest).

As such, we are required to inform you of the availability of a FINRA Investor Brochure, which includes information on the FINRA Public Disclosure Program.

You may contact the FINRA public hotline at 1-800-289-9999 or on the Internet at

For example, if a law firm and client both have e-mail servers that support TLS encryption, all traffic between them will be encrypted after they are set up.

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However, the protection can be limited by use of weak passwords that are easy to break or “crack.” The confidential information can be included in a password-protected (encrypted) attachment rather than in the body of the e-mail.

Protection can also be lost if e-mails are copied to or forwarded to recipients in systems that do not support TLS.

As discussed above, file password protection in some software, like current versions of Microsoft Office, Adobe Acrobat, and Win Zip, uses encryption to protect security.

Schwab's Cash Features Program is the service described in the Cash Features Disclosure Statement that we provide to automatically invest, or "sweep," the Free Credit Balance in your Account into a liquid investment or to earn interest from Schwab on the Free Credit Balance in your Account.

The Cash Features Program permits you to earn income while you decide how those funds should be invested longer term.

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