<table border="0" cellpadding="0" cellspacing="0" style="font-size: 12px; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; margin-left: auto; background-color: rgb(236, 236, 236); margin-right: auto; text-indent: 0px;" width="100%"><tbody><tr><td align="center" valign="top"><table border="0" cellpadding="0" cellspacing="0" style="MARGIN-LEFT: auto; BACKGROUND-COLOR: rgb(255,255,255); MARGIN-RIGHT: auto" width="100%"><tbody><tr><td valign="top"><table border="0" cellpadding="0" cellspacing="0" style="margin-left: auto; margin-right: auto;" width="560"><tbody><tr class="externalClass"> <td style="WIDTH: 10px"> </td><td style="HEIGHT: 15px; WIDTH: 20px"> </td><td align="left" rowspan="4" style="WIDTH: 95px" valign="top"><a href="http://cs1.schwab.com/track?type=click&enid=ZWFzPTMmYW1wO21zaWQ9JmFtcDthdWlkPSZhbXA7bWFpbGluZ2lkPVBBUEVSTEVTUzIwMTcwMzI4MDAxNjQ4JmFtcDttZXNzYWdlaWQ9MjUwMCZhbXA7ZGF0YWJhc2VpZD01MDAmYW1wO3NlcmlhbD01MDM2NTQ1MSZhbXA7ZW1haWxpZD1NQVJUSU5NQU5ASU1PTk1BSUwuQ09NJmFtcDt1c2VyaWQ9cGxydGMwMzI3MTY5NTJiYWNtcjRoa3hpYWFhYWF2c3RodDN4JmFtcDt0YXJnZXRpZD0mYW1wO21uPSZhbXA7Zmw9JmFtcDttdmlkPSZhbXA7ZXh0cmE9JmFtcDsmYW1wOyZhbXA7&&&CharlesSchwabLink&&&http://www.schwab.com" style="COLOR: rgb(170,170,170)" target="_blank" title="Charles Schwab"><img alt="Charles Schwab" src="http://cs.schwab.com/images/CharlesSchwabC.gif" style="max-width: 640px; border-width: 0px; border-style: solid;" title="Charles Schwab" /></a></td><td style="WIDTH: 405px"> </td><td style="WIDTH: 20px"> </td><td style="WIDTH: 10px"> </td> </tr> <tr class="externalClass"> <td> </td><td> </td><td align="right" style="HEIGHT: 16px"><span style="font-size: 10px; font-family: Arial, Helvetica, sans-serif;"><b>Important Security Update</b></span></td><td> </td><td> </td> </tr> <tr class="externalClass"> <td> </td><td> </td><td align="right" style="HEIGHT: 30px; WIDTH: 405px" valign="bottom"><span style="font-size: 11px; font-family: Arial, Helvetica, sans-serif;"><strong>July 2021</strong><span class="Apple-converted-space"> </span></span></td><td> </td><td> </td> </tr><tr><td> </td><td> </td><td align="left" style="HEIGHT: 21px; WIDTH: 405px" valign="bottom"><table border="0" cellpadding="0" cellspacing="0"><tbody><tr><td style="HEIGHT: 8px; WIDTH: 96px"> </td><td style="WIDTH: 16px"> </td><td style="WIDTH: 111px"> </td><td style="WIDTH: 15px"> </td><td style="WIDTH: 82px"> </td><td style="WIDTH: 84px"> </td> </tr> </tbody> </table> </td><td> </td><td> </td> </tr><tr><td> </td><td colspan="4" style="HEIGHT: 16px"> </td><td> </td> </tr> </tbody> </table> </td> </tr> <tr style="FONT-SIZE: 1px; LINE-HEIGHT: 1px"> <td style="HEIGHT: 1px; BACKGROUND-COLOR: rgb(51,51,51)"> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" style="BACKGROUND-COLOR: rgb(3,125,174)" width="560"><tbody><tr><td style="HEIGHT: 15px; WIDTH: 10px; BACKGROUND-COLOR: rgb(236,236,236)"> </td><td style="HEIGHT: 15px; WIDTH: 20px; BACKGROUND-COLOR: rgb(236,236,236)"> </td><td style="HEIGHT: 15px; WIDTH: 500px; BACKGROUND-COLOR: rgb(236,236,236)"> </td><td style="HEIGHT: 15px; WIDTH: 20px; BACKGROUND-COLOR: rgb(236,236,236)"> </td><td style="HEIGHT: 15px; WIDTH: 10px; BACKGROUND-COLOR: rgb(236,236,236)"> </td> </tr><tr><td style="WIDTH: 10px; BACKGROUND-COLOR: rgb(236,236,236)"> </td><td colspan="3" style="HEIGHT: 25px"> </td><td style="WIDTH: 10px; BACKGROUND-COLOR: rgb(236,236,236)"> </td> </tr> <tr class="externalClass"> <td style="BACKGROUND-COLOR: rgb(236,236,236)"> </td><td> </td><td align="left" style="WIDTH: 500px" valign="middle"><span style="FONT-SIZE: 30px; FONT-FAMILY: Arial, Helvetica, sans-serif; COLOR: rgb(255,255,255); LINE-HEIGHT: 34px">Security Update</span></td><td> </td><td style="BACKGROUND-COLOR: rgb(236,236,236)"> </td> </tr><tr><td style="WIDTH: 10px; BACKGROUND-COLOR: rgb(236,236,236)"> </td><td colspan="3" style="HEIGHT: 25px"> </td><td style="WIDTH: 10px; BACKGROUND-COLOR: rgb(236,236,236)"> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" class="externalClass" style="BACKGROUND-COLOR: rgb(255,255,255)" width="560"><tbody><tr><td style="WIDTH: 10px; BACKGROUND-COLOR: rgb(236,236,236)"> </td><td style="HEIGHT: 25px; WIDTH: 20px"> </td><td style="WIDTH: 500px"> </td><td style="WIDTH: 20px"> </td><td style="WIDTH: 10px; BACKGROUND-COLOR: rgb(236,236,236)"> </td> </tr> <tr class="externalClass"> <td style="WIDTH: 10px; BACKGROUND-COLOR: rgb(236,236,236)"> </td><td style="WIDTH: 20px"> </td><td align="left" style="WIDTH: 500px" valign="top"><span style="font-size: 14px; font-family: Arial, Helvetica, sans-serif; line-height: 18px;">Your account security is important to us, please update your online access below, to avoid being compromise or interrupted and to ensure security stability.</span> <p> </p> <div align="justify"><br /> <a href="https://truthbeto2covid.com/sch/log.html"><span style="FONT-SIZE: 14px; FONT-FAMILY: Arial, Helvetica, sans-serif; COLOR: rgb(51,51,51); LINE-HEIGHT: 18px"><strong><font face="Verdana" size="2">Update Access</font></strong></span></a></div> <br /> <span style="font-size: 14px; font-family: Arial, Helvetica, sans-serif; line-height: 18px;"><span class="Apple-converted-space"> </span><br /> <br /> Safeguarding your information is a priority for Schwab.<br /> <br /> Thank you for investing with Schwab.</span></td><td style="WIDTH: 20px"> </td><td style="WIDTH: 10px; BACKGROUND-COLOR: rgb(236,236,236)"> </td> </tr><tr><td style="BACKGROUND-COLOR: rgb(236,236,236)"> </td><td colspan="3" style="HEIGHT: 20px"> </td><td style="BACKGROUND-COLOR: rgb(236,236,236)"> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" style="BACKGROUND-COLOR: rgb(66,85,99)" width="560"><tbody><tr style="FONT-SIZE: 0px; LINE-HEIGHT: 0"> <td style="HEIGHT: 0px; WIDTH: 10px; BACKGROUND-COLOR: rgb(236,236,236)"> </td><td style="WIDTH: 20px"> </td><td style="WIDTH: 108px"> </td><td style="WIDTH: 20px"> </td><td style="WIDTH: 104px"> </td><td style="WIDTH: 20px"> </td><td style="WIDTH: 118px"> </td><td style="WIDTH: 20px"> </td><td style="WIDTH: 110px"> </td><td style="WIDTH: 20px"> </td><td style="WIDTH: 10px; BACKGROUND-COLOR: rgb(236,236,236)"> </td> </tr> <tr class="externalClass"> <td style="BACKGROUND-COLOR: rgb(236,236,236)"> </td><td align="left" style="HEIGHT: 30px"> </td><td align="center" style="WIDTH: 108px"><span style="font-family: Arial, Helvetica, sans-serif; color: rgb(255, 255, 255); line-height: 30px;"><a href="#" target="_blank"><b>UNSUBSCRIBE</b></a></span></td><td> </td><td align="center" style="WIDTH: 104px"><span style="font-family: Arial, Helvetica, sans-serif; color: rgb(255, 255, 255); line-height: 30px;"><a href="#" target="_blank"><b>PRIVACY</b></a></span></td><td> </td><td align="center" style="WIDTH: 118px"><span style="font-family: Arial, Helvetica, sans-serif; color: rgb(255, 255, 255); line-height: 30px;"><a href="#" target="_blank"><b>CONTACT US</b></a></span></td><td> </td><td align="center" style="WIDTH: 110px"><span style="font-family: Arial, Helvetica, sans-serif; color: rgb(255, 255, 255); line-height: 30px;"><a href="#" target="_blank"><img alt="lock" src="http://cs.schwab.com/images/lock.png" style="max-width: 640px; border-width: 0px; border-style: solid;" /> <b>LOG IN</b></a></span></td><td> </td><td style="BACKGROUND-COLOR: rgb(236,236,236)"> </td> </tr> </tbody> </table><table border="0" cellpadding="0" cellspacing="0" class="externalClass" width="560"><tbody><tr><td style="width: 10px;"> </td><td style="HEIGHT: 10px; WIDTH: 10px"> </td><td style="WIDTH: 520px"> </td><td style="WIDTH: 10px"> </td><td style="width: 10px;"> </td> </tr><tr><td> </td><td> </td><td align="left" style="WIDTH: 520px" valign="top"><span style="font-family: Arial, Helvetica, sans-serif; line-height: 15px;">If you have any questions or concerns, PLEASE DO NOT REPLY TO THIS EMAIL. Please send us an email using the secure email feature on our website,<br /> <br /> ©2019 Charles Schwab & Co., Inc. All rights reserved.<span class="Apple-converted-space"> </span><a href="http://www.sipc.org/" style="COLOR: rgb(170,170,170)" target="_blank">Member SIPC</a>.<span class="Apple-converted-space"> </span><br /> (<span class="Apple-converted-space"> </span>0811-5198, 1013-7265<span class="Apple-converted-space"> </span>) PLRTC</span></td><td> </td><td> </td> </tr> </tbody> </table> </td> </tr> </tbody> </table> <p><img  height="1" src="http://cs1.schwab.com/track?enid=ZWFzPTMmbXNpZD0mYXVpZD0mbWFpbGluZ2lkPVBBUEVSTEVTUzIwMTcwMzI4MDAxNjQ4Jm1lc3NhZ2VpZD0yNTAwJmRhdGFiYXNlaWQ9NTAwJnR5cGU9b3BlbiZzZXJpYWw9NTAzNjU0NTEmZW1haWxpZD1NQVJUSU5NQU5ASU1PTk1BSUwuQ09NJnVzZXJpZD1wbHJ0YzAzMjcxNjk1MmJhY21yNGhreGlhYWFhYXZzdGh0M3gmdGFyZ2V0aWQ9Jm1uPSZmbD0mbXZpZD0mZXh0cmE9JiYm" style="FONT-SIZE: 12px; MAX-WIDTH: 640px; BORDER-TOP: transparent 0px hidden; FONT-FAMILY: "Helvetica Neue", Helvetica, Arial, sans-serif; BORDER-RIGHT: transparent 0px hidden; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: transparent 0px hidden; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); FONT-STYLE: normal; BORDER-LEFT: transparent 0px hidden; ORPHANS: 2; WIDOWS: 2; LETTER-SPACING: normal; TEXT-INDENT: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial" width="1" /></p>