Document:

Form of Notice and Performance-Based Restricted Stock Unit Agreement

 Exhibit 10.343 
 THE CHARLES SCHWAB CORPORATION 
 2004 STOCK INCENTIVE PLAN 

NOTICE OF RESTRICTED STOCK UNIT GRANT 
 (PERFORMANCE-BASED VESTING) 
 You have been granted Restricted Stock Units.
A Restricted Stock Unit represents the right to receive, subject to certain conditions, a share of Common Stock of The Charles Schwab Corporation (“Schwab”), under The Charles Schwab Corporation 2004 Stock Incentive Plan (the
“Plan”). Your Restricted Stock Units are granted subject to the following terms: 
  

			
	Name of Recipient:	  	
		
	Total Number of Restricted Stock Units Granted:	  	
		
	Grant Date:	  	
		
	Vesting Schedule:	  	 So long as you remain in service in good standing and subject to the terms of the Restricted Stock Unit Agreement and certification of the Performance Goal by
Schwab’s Compensation Committee, this grant vests on the following Vesting Dates, subject to the restrictions below:

		  	  
 Number of Restricted Stock Units on Vesting
Date:

 The number of Restricted Stock Units indicated will vest only if Schwab’s Compensation Committee
certifies that as of the Vesting Date next to the number of Restricted Stock Units, Schwab has satisfied the Performance Goal for the applicable performance period ending prior to such Vesting Date. The Performance Goal shall be established by the
Compensation Committee within the first 90 days of the applicable performance period. 
 [If the Performance Goal is not met for
any one-year period, you will have a second opportunity to vest in the unvested portion of the grant if Schwab has satisfied the Performance Goal established by the Compensation Committee for the second vesting opportunity.] 

  
 1 

 Except as otherwise provided in the Restricted Stock Unit Agreement, if the Performance
Goal is not met, any unvested portion of the grant will be forfeited automatically and permanently on the date established by the Compensation Committee. 
 Any vested Restricted Stock Units will be paid in shares of Common Stock of The Charles Schwab Corporation (“Shares”) as soon as administratively possible after vesting, but in no event
beyond March 15th of the year following the year of
vesting. 
 You and Schwab agree that this grant is issued under and governed by the terms and conditions of the Plan and the
Restricted Stock Unit Agreement, both of which are made a part of this notice. Please review the Restricted Stock Unit Agreement and the Plan carefully, as they explain the terms and conditions of this grant. You agree that Schwab may deliver
electronically all documents relating to the Plan or this grant (including, without limitation, prospectuses required by the Securities and Exchange Commission) and all other documents that Schwab is required to deliver to its stockholders. By
accepting this grant, you agree to all of the terms and conditions described above, in the Restricted Stock Unit Agreement and in the Plan, and you have no right whatsoever to change or negotiate such terms and conditions. 

  
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 THE CHARLES SCHWAB CORPORATION 

2004 STOCK INCENTIVE PLAN 
 RESTRICTED STOCK UNIT AGREEMENT 
 (PERFORMANCE-BASED VESTING)

  

			
	Payment for Units	  	 No payment is required for the Restricted Stock Units that you are receiving. Restricted Stock Units are an unfunded and unsecured obligation of
Schwab.

		
	Vesting	  	 Subject to the provisions of this Agreement, this grant becomes vested as described in the Notice of Restricted Stock Unit Grant, of which this Restricted Stock
Unit Agreement is a part. Unvested units will be considered “Restricted Stock Units.” If your service terminates for any reason, then your Restricted Stock Units will automatically and permanently be forfeited to the extent
that they have not vested before the termination date and will not vest as a result of the termination, unless otherwise noted below. This means that the Restricted Stock Units will immediately revert to Schwab. You will receive no payment for
Restricted Stock Units that are forfeited. Schwab determines when your service terminates for this purpose. For all purposes of this Agreement, “service” means continuous employment as a common-law employee of Schwab or a
parent company or subsidiary of Schwab, and “subsidiary” means a subsidiary corporation as defined in section 424(f) of the Internal Revenue Code of 1986, as amended (the “Code”).

		
	Accelerated Vesting	  	 This grant, to the extent not already forfeited, will become fully vested if your service terminates on account of your death or disability. If, prior to the
date your service terminates, Schwab is subject to a “change in control” (as defined in the Plan document), this grant, to the extent not already forfeited, will become fully vested as of the date that the change in control
occurs.

		
	Continued Vesting	  	 If your service terminates on account of your retirement and your retirement occurs at least two years after the Grant
Date indicated in the Notice of Restricted Stock Unit Grant, you will be treated as in service in good standing for purposes of determining further vesting of the grant.

 
 If you are entitled to severance benefits under The
Charles Schwab Severance Pay Plan (or any successor plan), then you may be treated as in service in good standing during your Severance Period for purposes of determining further vesting of the grant under the terms of that
plan.

		
	Definition of Fair	  	 “Fair market value” means the average of the high and low price of

  
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	Market Value	  	 a Share (as defined below) as reported on the New York Stock Exchange on the applicable determination date.

		
	Definition of Disability	  	 For all purposes of this Agreement, “disability” means that you have a disability such that you have been determined to be eligible for
benefits under Schwab’s long-term disability plan, or if you are not covered by Schwab’s long-term disability plan, you are unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental
impairment which has lasted, or can be expected to last, for a continuous period of not less than 12 months or which can be expected to result in death as determined by Schwab in its sole discretion.

		
	Definition of Retirement	  	 If you are an employee of Schwab and its subsidiaries, “retirement” means termination of service
for any reason other than death at any time after you attain age 55, but only if, at the time of your termination, you have been credited with at least 10 years of service.

 
 The phrase “years of service”
above has the same meaning given to it under The SchwabPlan Retirement Savings and Investment Plan (or any successor plan).

		
	Payment of Shares	  	 Restricted Stock Units that vest will be paid in shares of Common Stock of The Charles Schwab Corporation (“Shares”) as soon as administratively
possible following vesting, but in no event beyond March
15th of the year following the year of
vesting.

		
	Restrictions on Restricted Stock Units	  	 You may not sell, transfer, pledge or otherwise dispose of any Restricted Stock Units without Schwab’s written
consent. Schwab will deliver Shares to you only after the Restricted Stock Units vest and after all other terms and conditions in this Agreement have been satisfied.

 
 Schwab may, in its sole discretion, allow you to
transfer these Restricted Stock Units under a domestic relations order in settlement of marital or domestic property rights.
  

In order to transfer these Restricted Stock Units, you and the transferee(s) must execute the forms prescribed by Schwab, which include
the consent of the transferee(s) to be bound by this Agreement.

		
	Delivery of Shares After Death	  	 In the event of your death prior to the date your service terminates, your Shares will be delivered to your beneficiary or beneficiaries. You may designate one
or more beneficiaries by filing a beneficiary designation form. You may change your beneficiary designation by

  
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		  	 filing a new form with Schwab at any time prior to your death. If you do not designate a beneficiary or if your designated beneficiary predeceases you, then,
your Shares will be delivered to your estate. The Compensation Committee, in its sole discretion, will determine the form and time of the distribution of Shares to your estate. In no event will the payment be made beyond March 15th of the year following the year of death.

		
	Restrictions on Resale	  	 You agree not to sell any Shares at a time when applicable laws, Schwab’s policies or an agreement between Schwab and its underwriters prohibit a sale.
This restriction will apply as long as your service continues and for such period of time after the termination of your service as Schwab may specify.

		
	Withholding Taxes	  	 The Restricted Stock Units will not be paid in Shares unless you have made acceptable arrangements to pay any applicable withholding of income and employment
taxes that may be due as a result of this grant. With Schwab’s consent, these arrangements may include withholding Shares. In its sole discretion, Schwab may withhold the minimum number of whole Shares, valued at the fair market value on the
Vesting Date, required to satisfy such applicable withholding taxes. Any residual amount of applicable withholding taxes, i.e., amounts of less than the fair market value of a Share, may be deducted from your pay. If withholding taxes are due and
you have terminated employment, applicable withholding taxes will be deducted from your Schwab brokerage account. You are responsible for having sufficient funds in your Schwab brokerage account to cover the withholding taxes at the time they are
due.

		
	No Stockholder Rights	  	 Your Restricted Stock Units carry no voting or other stockholder rights. You have no rights as a Schwab stockholder until your units are settled by issuing
Shares.

		
	Contribution of Par Value	  	 On your behalf, Schwab will contribute to its capital an amount equal to the par value of the Shares issued to you.

		
	Dividend Equivalent Rights	  	 If Schwab pays cash dividends on Shares, each Restricted Stock Unit will accrue a dividend equivalent equal to the cash dividend paid per Share, subject to
the same vesting and forfeiture provisions as the associated Restricted Stock Units, to be paid in cash without interest at the time the associated Restricted Stock Units vest and Shares are released. In no event will the accumulated dividend
equivalent be paid beyond March 15th of the year following
the year in which the associated Restricted Stock Units vest.

		
	No Right to	  	 Nothing in this Agreement will be construed as giving you the right

  
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	Remain Employee	  	 to be retained as an employee, contingent worker or director of Schwab and its subsidiaries for any specific duration or at all.

		
	Limitation on Payments	  	 If a payment from the Plan would constitute an excess parachute payment under section 280G of the Code or if there
have been certain securities law violations, then your grant may be reduced or forfeited and you may be required to disgorge any profit that you have realized from your grant.

 
 If a disqualified individual receives a payment or
transfer under the Plan that would constitute an excess parachute payment under section 280G of the Code, such payment will be reduced, as described below. Generally, someone is a “disqualified individual” under section 280G
if he or she is (a) an officer of Schwab, (b) a member of the group consisting of the highest paid 1% of the employees of Schwab or, if less, the highest paid 250 employees of Schwab, or (c) a 1% stockholder of Schwab. For purposes of the section on
“Limitation on Payments,” the term “Schwab” will include affiliated corporations to the extent determined by the independent auditors most recently selected by the Schwab Board of Directors (the
“Auditors”) in accordance with section 280G(d)(5) of the Code.
  
 In the event that the Auditors determine that any payment or transfer in the nature of compensation to or for your benefit, whether paid or payable (or transferred or transferable) pursuant to the terms
of the Plan or otherwise (a “Payment”), would be nondeductible for federal income tax purposes because of the provisions concerning “excess parachute payments” in section 280G of the Code, then the aggregate present
value of all Payments will be reduced (but not below zero) to the Reduced Amount; provided, however, that the Compensation Committee may specify in writing that the grant will not be so reduced and will not be subject to reduction under this
section.
  
 For this purpose, the
“Reduced Amount” will be the amount, expressed as a present value, which maximizes the aggregate present value of the Payments without causing any Payment to be nondeductible by Schwab because of section 280G of the
Code.
  
 If the Auditors determine that any
Payment would be nondeductible because of section 280G of the Code, then Schwab will promptly give you notice to that effect and a copy of the detailed calculation of the Reduced Amount. You may then elect, in your discretion, which and how much of
the Payments will be eliminated or reduced (as long as after such election, the aggregate present value of the Payments equals the Reduced Amount). You will advise Schwab in

  
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		  	 writing of your election within 10 days of receipt of the notice.

 
 If you do not make such an election within the 10-day
period, then Schwab may elect which and how much of the Payments will be eliminated or reduced (as long as after such election the aggregate present value of the Payments equals the Reduced Amount). Schwab will notify you promptly of its election.
Present value will be determined in accordance with section 280G(d)(4) of the Code. The Auditors’ determinations will be binding upon you and Schwab and will be made within 60 days of the date when a Payment becomes payable or
transferable.
  
 As promptly as practicable
following these determination and elections, Schwab will pay or transfer to or for your benefit such amounts as are then due to you under the Plan, and will promptly pay or transfer to or for your benefit in the future such amounts as become due to
you under the Plan.
  
 As a result of
uncertainty in the application of section 280G of the Code at the time of an initial determination by the Auditors, it is possible that Payments will have been made by Schwab which should not have been made (an “Overpayment”)
or that additional Payments which will not have been made by Schwab could have been made (an “Underpayment”), consistent in each case with the calculation of the Reduced Amount. In the event that the Auditors, based upon the
assertion of a deficiency by the Internal Revenue Service against you or Schwab which the Auditors believe has a high probability of success, determine that an Overpayment has been made, the amount of such Overpayment will be paid by you to Schwab
on demand, together with interest at the applicable federal rate provided in section 7872(f)(2) of the Code. However, no amount will be payable by you to Schwab if and to the extent that such payment would not reduce the amount which is subject to
taxation under section 4999 of the Code. In the event that the Auditors determine that an Underpayment has occurred, such Underpayment will promptly be paid or transferred by Schwab to or for your benefit, together with interest at the applicable
federal rate provided in section 7872(f)(2) of the Code.
  
 Notwithstanding the foregoing, in no event will a payment be made under this Section beyond March 15th of the year following the year in which the amount ceases to be subject to a substantial risk of
forfeiture.

		
	Claims Procedure	  	 You may file a claim for benefits under the Plan by following the procedures prescribed by Schwab. If your claim is denied, generally you will receive written
or electronic notification of the denial

  
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		  	 within 90 days of the date on which you filed the claim. If special circumstances require more time to make a decision about your claim, you will receive
notification of when you may expect a decision. You may appeal the denial by submitting to the Plan Administrator a written request for review within 30 days of receiving notification of the denial. Your request should include all facts upon which
your appeal is based. Generally, the Plan Administrator will provide you with written or electronic notification of its decision within 90 days after receiving the review request. If special circumstances require more time to make a decision about
your request, you will receive notification of when you may expect a decision.

		
	Plan Administration	  	 The Plan Administrator has discretionary authority to make all determinations related to this grant and to construe the terms of the Plan, the Notice of
Restricted Stock Unit Grant and this Agreement. The Plan Administrator’s determinations are conclusive and binding on all persons.

		
	Adjustments	  	 In the event of a stock split, a stock dividend or a similar change in Schwab stock, the number of Restricted Stock Units that remain subject to forfeiture
shall be adjusted accordingly.

		
	Severability	  	 In the event that any provision of this Agreement is held invalid or unenforceable, the provision will be severable from, and such invalidity or
unenforceability will not be construed to have any effect on, the remaining provisions of this Agreement.

		
	Applicable Law	  	 This Agreement will be interpreted and enforced under the laws of the State of Delaware (without regard to their choice-of-law provisions), as such laws are
applied to contracts entered into and performed in Delaware.

		
	The Plan and Other Agreements	  	 The text of the Plan is incorporated in this Agreement by reference. This Agreement, the Notice of Restricted Stock Unit Grant and the Plan constitute the
entire understanding between you and Schwab regarding this grant. Any prior agreements, commitments or negotiations concerning this grant are superseded. This Agreement may be amended only by another written agreement, signed by both parties and
approved by the Compensation Committee. If there is any inconsistency or conflict between any provision of this Agreement and the Plan, the terms of the Plan will control.

 BY ACCEPTING THIS GRANT, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS DESCRIBED ABOVE AND IN THE PLAN.

  
 6Form of Notice and Retainer Restricted Stock Unit Agreement

 Exhibit 10.344 
 THE CHARLES SCHWAB CORPORATION 
 2004 STOCK INCENTIVE PLAN 

NOTICE OF NON-EMPLOYEE DIRECTOR 
 RETAINER RESTRICTED STOCK UNIT GRANT 
 You have been granted Restricted
Stock Units. A Restricted Stock Unit represents the right to receive, subject to certain conditions, a share of Common Stock of The Charles Schwab Corporation (“Schwab”), under The Charles Schwab Corporation 2004 Stock Incentive
Plan (the “Plan”). Your Restricted Stock Units are granted subject to the following terms: 
  

			
	Name of Recipient:	  	
		
	Total Number of Restricted Stock Units Granted:	  	
		
	Grant Date:	  	
		
	Vesting Schedule:	  	 So long as you remain in service in good standing and subject to the terms of the Restricted Stock Unit Agreement,
the Restricted Stock Units subject to this grant will become vested and distributable on the following dates and in the following amounts, subject to the restrictions below:

 
 Number of Restricted Stock Units on Vesting
Date:

 Restricted Stock Units are an unfunded and unsecured obligation of Schwab. Any vested Restricted Stock
Units will be paid in shares of Common Stock of The Charles Schwab Corporation (“Shares”) as provided in the Restricted Stock Unit Agreement. 

  
 1 

 You and Schwab agree that this grant is issued under and governed by the terms and
conditions of the Plan and the Restricted Stock Unit Agreement, both of which are made a part of this notice. Please review the Restricted Stock Unit Agreement and the Plan carefully, as they explain the terms and conditions of this grant. You agree
that Schwab may deliver electronically all documents relating to the Plan or this grant (including, without limitation, prospectuses required by the Securities and Exchange Commission) and all other documents that Schwab is required to deliver to
its stockholders. By accepting this grant, you agree to all of the terms and conditions described above, in the Restricted Stock Unit Agreement and in the Plan. 

  
 2 

 THE CHARLES SCHWAB CORPORATION 

2004 STOCK INCENTIVE PLAN 
 NON-EMPLOYEE DIRECTOR 
 RETAINER RESTRICTED STOCK UNIT AGREEMENT

  

			
	Payment for Units	  	 No payment is required for the Restricted Stock Units that you are receiving. Restricted Stock Units are an unfunded and unsecured obligation of
Schwab.

		
	Vesting	  	 Subject to the provisions of this Agreement, a Restricted Stock Unit becomes vested and distributable as of the earliest
of the following:
  
 (1)     The applicable Vesting Date for the Restricted Stock Unit indicated in the Notice of Non-Employee Director Retainer Restricted Stock Unit Grant.

 

(2)     Your death.

 

(3)     Your disability.

 

(4)     Your separation from service, if the separation qualifies as a
retirement.
  
 (5)     A change in control.
  

If you become a common-law employee of Schwab or a subsidiary of Schwab (“subsidiary” means a subsidiary
corporation as defined in section 424(f) of the Internal Revenue Code of 1986, as amended (the “Code”)), then the Restricted Stock Units will continue to vest as described in the Notice of Non-Employee Director Retainer
Restricted Stock Unit Grant so long as you continue as either a non-employee director or an employee of Schwab or its subsidiaries.
  

Unvested units will be considered “Restricted Stock Units.” If your service terminates for any reason, then your
Restricted Stock Units will be forfeited to the extent that they have not vested before the termination date and do not vest as a result of the termination. This means that the Restricted Stock Units will immediately revert to Schwab. You will
receive no payment for Restricted Stock Units that are forfeited. Schwab determines when your service terminates for this purpose.

		
	Definition of Fair Market Value	  	 “Fair market value” means the average of the high and low price of a Share (as defined below) as reported on the New York
Stock

  
 1 

			
		  	 Exchange on the applicable determination date.

		
	Definition of Disability	  	 For all purposes of this Agreement, “disability” means that you have a disability that qualifies as such under section 409A of the
Code.

		
	Definition of Retirement	  	 For all purposes of this Agreement, “retirement” means your resignation or removal from the Board at any time after you have attained
age 70 or completed 5 years of service as a non-employee director.

		
	Definition of Change in Control	  	 For all purposes of this Agreement, “change in control” means an event that qualifies as a change in control event under section 409A
of the Code and as a change in control as defined in the Plan.

		
	Definition of Separation From Service	  	 For all purposes of this Agreement, “separation from service” means a separation from service as defined under section 409A of the
Code.

		
	Payment of Shares	  	 Any vested Restricted Stock Units will be paid in shares of common stock of The Charles Schwab Corporation
(“Shares”) as provided herein. Shares that have become vested and distributable under this Agreement shall be distributed as follows:
  

(1)     Shares that vest and become distributable on a Vesting Date
shall be distributed within 30 days of the Vesting Date.
  

(2)     Shares that vest and become distributable on death, disability
or a change in control shall be distributable within 90 days of such event.
  

(3)     Shares that vest and become distributable on a separation from
service that qualifies as a retirement shall be distributed within 90 days of the separation from service. Notwithstanding the foregoing, if at the time of your separation from service, you are a “specified employee”, you will receive your
Shares six months after your separation from service. “Specified Employee” means a “specified employee” within the meaning of section 409A of the Code and any regulatory guidance promulgated thereunder, provided that in
determining the compensation of individuals for this purpose, the definition of compensation in Treas. Reg. § 1.415(c)-2(d)(2) shall be used.

  
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	Restrictions on Restricted Stock Units	  	 You may not sell, transfer, pledge or otherwise dispose of any Restricted Stock Units without Schwab’s written
consent. Schwab will deliver Shares to you only after the Restricted Stock Units vest and after all other terms and conditions in this Agreement have been satisfied.

 
 Schwab may, in its sole discretion, allow you to transfer these
Restricted Stock Units under a domestic relations order in settlement of marital or domestic property rights.
  
 In order to transfer these Restricted Stock Units, you and the transferee(s) must execute the forms prescribed by Schwab, which include the consent of the transferee(s) to be bound by this
Agreement.

		
	Delivery of Shares After Death	  	 In the event that Shares are distributable upon your death, the Shares will be delivered to your beneficiary or beneficiaries. You may designate one or more
beneficiaries by filing a beneficiary designation form. You may change your beneficiary designation by filing a new form with Schwab at any time prior to your death. If you do not designate a beneficiary or if your designated beneficiary predeceases
you, then your Shares will be delivered to your estate.

		
	Restrictions on Resale	  	 You agree not to sell any Shares at a time when applicable laws, Schwab’s policies or an agreement between Schwab and its underwriters prohibit a sale.
This restriction will apply as long as your service continues and for such period of time after the termination of your service as Schwab may specify.

		
	No Stockholder Rights	  	 Your Restricted Stock Units carry no voting or other stockholder rights. You have no rights as a Schwab stockholder until your Restricted Stock Units are
settled by issuing Shares.

		
	Contribution of Par Value	  	 On your behalf, Schwab will contribute to its capital an amount equal to the par value of the Shares issued to you.

		
	Dividend Equivalent Rights	  	 If Schwab pays cash dividends on Shares, you will receive cash equal to the dividend per Share multiplied by the number of unvested Restricted Stock Units.
Each such payment shall be made as soon as practicable following the payment of the actual dividend, but in no event beyond March 15th of the year following the year the actual dividend is paid.

  
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	No Right to Remain Employee or Director	  	 Nothing in this Agreement will be construed as giving you the right to be retained as an employee, contingent worker or director of Schwab and its subsidiaries
for any specific duration or at all.

		
	Limitation on Payments	  	 If a payment from the Plan would constitute an excess parachute payment under section 280G of the Code or if there
have been certain securities law violations, then your grant may be reduced or forfeited and you may be required to disgorge any profit that you have realized from your grant.

 
 If a disqualified individual receives a payment or
transfer under the Plan that would constitute an excess parachute payment under section 280G of the Code, such payment will be reduced, as described below. Generally, someone is a “disqualified individual” under section 280G
if he or she is (a) an officer of Schwab, (b) a member of the group consisting of the highest paid 1% of the employees of Schwab or, if less, the highest paid 250 employees of Schwab, or (c) a 1% stockholder of Schwab. For purposes of the section on
“Limitation on Payments,” the term “Schwab” will include affiliated corporations to the extent determined by the independent auditors most recently selected by the Schwab Board of Directors (the
“Auditors”) in accordance with section 280G(d)(5) of the Code.
  
 In the event that the Auditors determine that any payment or transfer in the nature of compensation to or for your benefit, whether paid or payable (or transferred or transferable) pursuant to the terms
of the Plan or otherwise (a “Payment”), would be nondeductible for federal income tax purposes because of the provisions concerning “excess parachute payments” in section 280G of the Code, then the aggregate present
value of all Payments will be reduced (but not below zero) to the Reduced Amount; provided, however, that the Compensation Committee may specify in writing that the grant will not be so reduced and will not be subject to reduction under this
section.
  
 For this purpose, the
“Reduced Amount” will be the amount, expressed as a present value, which maximizes the aggregate present value of the Payments without causing any Payment to be nondeductible by Schwab because of section 280G of the
Code.
  
 If the Auditors determine that any
Payment would be nondeductible because of section 280G of the Code, then Schwab will promptly give you notice to that effect and a copy of the detailed calculation of the Reduced Amount. The Auditors will determine which and how much of the Payments
will be eliminated or reduced (such that the aggregate present value of

  
 4 

			
		  	 the Payments equals the Reduced Amount). Schwab will notify you promptly of the Auditor’s determination. Present
value will be determined in accordance with section 280G(d)(4) of the Code. The Auditors’ determinations will be binding upon you and Schwab and will be made within 60 days of the date when a Payment becomes payable or transferable.

 
 As a result of uncertainty in the application of section
280G of the Code at the time of an initial determination by the Auditors, it is possible that Payments will have been made by Schwab which should not have been made (an “Overpayment”) or that additional Payments which will
not have been made by Schwab could have been made (an “Underpayment”), consistent in each case with the calculation of the Reduced Amount. In the event that the Auditors, based upon the assertion of a deficiency by the
Internal Revenue Service against you or Schwab which the Auditors believe has a high probability of success, determine that an Overpayment has been made, the amount of such Overpayment will be paid by you to Schwab on demand, together with interest
at the applicable federal rate provided in section 7872(f)(2) of the Code. However, no amount will be payable by you to Schwab if and to the extent that such payment would not reduce the amount which is subject to taxation under section 4999 of the
Code. In the event that the Auditors determine that an Underpayment has occurred, such Underpayment will promptly be paid or transferred by Schwab to or for your benefit, together with interest at the applicable federal rate provided in section
7872(f)(2) of the Code, provided that no such Underpayment related to Shares distributable under this Agreement shall be paid beyond the deadline for making such payments under section 409A of the Code.

		
	Claims Procedure	  	 You may file a claim for benefits under the Plan by following the procedures prescribed by Schwab. If your claim is denied, generally you will receive written
or electronic notification of the denial within 90 days of the date on which you filed the claim. If special circumstances require more time to make a decision about your claim, you will receive notification of when you may expect a decision. You
may appeal the denial by submitting to the Plan Administrator a written request for review within 30 days of receiving notification of the denial. Your request should include all facts upon which your appeal is based. Generally, the Plan
Administrator will provide you with written or electronic notification of its decision within 90 days after receiving the review request. If special circumstances require more time to make a decision about your request, you will receive
notification

  
 5 

			
		  	 of when you may expect a decision.

		
	Plan Administration	  	 The Plan Administrator has discretionary authority to make all determinations related to this grant and to construe the terms of the Plan, the Notice of
Non-Employee Director Retainer Restricted Stock Unit Grant and this Agreement. The Plan Administrator’s determinations are conclusive and binding on all persons.

		
	Adjustments	  	 In the event of a stock split, a stock dividend or a similar change in Schwab stock, the number of Restricted Stock Units that remain subject to forfeiture
will be adjusted accordingly.

		
	Severability	  	 In the event that any provision of this Agreement is held invalid or unenforceable, the provision will be severable from, and such invalidity or
unenforceability will not be construed to have any effect on, the remaining provisions of this Agreement.

		
	Applicable Law	  	 This Agreement will be interpreted and enforced under the laws of the State of Delaware (without regard to their choice-of-law provisions), as such laws are
applied to contracts entered into and performed in Delaware.

		
	The Plan and Other Agreements	  	 The text of the Plan is incorporated in this Agreement by reference. This Agreement, the Notice of Non-Employee Director Retainer Restricted Stock Unit Grant
and the Plan constitute the entire understanding between you and Schwab regarding this grant. Any prior agreements, commitments or negotiations concerning this grant are superseded. This Agreement may be amended only by another written agreement,
signed by both parties and approved by the Compensation Committee. If there is any inconsistency or conflict between any provision of this Agreement and the Plan, the terms of the Plan will control.

 BY ACCEPTING THIS GRANT, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS DESCRIBED ABOVE AND IN THE PLAN.

  
 6

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