Institutional Intelligent Portfolios Mobile Website Limitations

The Schwab Intelligent Portfolios and Institutional Intelligent Portfolios Mobile websites will work across the networks of a number of wireless service providers. Independent investment advisors ("Advisors") may also offer content on the Institutional Intelligent Portfolios Mobile website via wireless service providers. However, Schwab Wealth Investment Advisory, Inc., Charles Schwab & Co., Inc., and their affiliates (collectively, "Schwab") and the Advisors whose services you may access do not operate these wireless networks or have control over the operation of any wireless service provider. Schwab and the Advisors disclaim any responsibility for any wireless service used to access Schwab websites. For more information about specific limitations associated with wireless service, continue reading below.

Availability
Wireless service depends on many factors outside of Schwab's or the Advisors' control, including the strength of wireless coverage and the networks of your wireless service provider. Wireless access may also be limited or unavailable during periods of peak demand, market volatility, systems upgrades, or maintenance, or for other reasons.

Speed
The speed of wireless transmissions depends upon the wireless service you are using and the strength of wireless coverage in your area. Wireless transmissions are likely to be slower than service over a wired network.

Dropped Connections
It is possible that a wireless connection can be interrupted when you are attempting to conduct a financial transaction. Should this happen, review your transaction status to verify the status of your attempted transaction when you return to an area with wireless coverage or have access to a computer. Or contact your Schwab representative at the number provided in the "Contact Us" section of the Mobile website. Advisor Services (Institutional) clients, contact your independent advisor or call 800-515-2157.

Delays
If wireless service is unavailable or delayed at any time, please use alternative means to conduct your financial transaction—such as calling a Schwab representative. Neither Schwab nor the Advisors will be liable to you if you are unable to access your account information or request a transaction through the Mobile website.

Privacy/Security
Use of the Mobile website involves the electronic transmission of personal financial information across the networks of your wireless service provider. Because neither Schwab nor the Advisors operate or control the wireless networks used to access the Mobile website, we cannot guarantee the privacy or security of wireless data transmissions. Use only reputable service providers and check with your wireless service provider for information about its privacy and security practices. For additional information about privacy and security, click on the "Privacy" and "SchwabSafe®" links located on the Mobile website.

Device Storage ("Cookies")
Schwab deploys cookies upon your landing on the site or activating certain features. Cookies are small text files that we place in your device's browser to store your preferences. Select the link for additional information on our cookies.

Limited Services
Due to the nature of wireless services and the necessary design of mobile devices, the content and scope of wireless services are more limited than other channels of communication, such as wired networks and telephone. If you need more information, please call a Schwab representative. Advisor Services (Institutional) clients, contact your independent advisor or call 800-515-2157.

Fees
Neither Schwab nor the Advisors currently charge any additional fees for using the Mobile website. However, use of the Mobile website may involve additional airtime and connection fees charged by your wireless service provider.

International
The Mobile website is designed for U.S. residents, and all services and products are subject to country-specific restrictions. Nothing here is an offer or solicitation of securities, products, or services in any jurisdiction where their offer or sale is not qualified or exempt from regulation.

Limitation of Liability
The Mobile website is accessible by using a variety of wireless devices and service plans. However, neither Schwab nor the Advisors manufacture or supply wireless devices or operate wireless plans. Schwab and the Advisors disclaim any responsibility for any equipment, software, or wireless service used to access the Mobile website and in no way warrant the capabilities of any equipment, software, or wireless service used in conjunction with the Mobile website. Schwab and the Advisors also assume no responsibility, and will not be liable for, any damages to or viruses that may infect your wireless equipment through your use of the Mobile website.

Third Parties
Your wireless carrier, the manufacturer and retailer of the mobile device on which you access the Mobile website, and the developer of the operating system for your mobile device (collectively, the "Third Parties") are not parties to your agreements with Schwab or your Advisor, and they do not own and are not responsible for the Mobile website. The Third Parties are not providing any warranty for the Mobile website. They are not responsible for maintenance or other support services for it and shall not be responsible for any other claims, losses, liabilities, damages, costs, or expenses with respect to the Mobile website.

Location-Enabled Functionality
Certain location-enabled functionality that may be made available in the Mobile website is provided by third parties and may be subject to additional terms and conditions. You must exercise your own judgment as to the adequacy and appropriateness of any such information. All location-based information is provided entirely "as is," without warranties of any kind.

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Schwab investment professionals are employees of Charles Schwab & Co., Inc.