A Commitment to Your Privacy

At Schwab Charitable¹, our most important asset is our relationship with you. It is through your charitable contributions that we achieve our mission of increasing philanthropy in the United States. We are honored that you have entrusted us with your charitable giving, and we are committed to safeguarding the privacy of information we maintain about you.

Establishing and adhering to an effective privacy policy is an important part of that dedication.

Below, you will find details about our commitment to protecting your privacy, including the types of information we obtain about you, how we use and share that information, and how you can instruct us to limit certain types of information sharing.

Our privacy policy applies to potential donors, current donors, and all others associated with a Charitable Gift Account or Charitable Trust Account, such as income beneficiaries, nominators, investment advisors, successors, etc. (each referred to herein as "you" and collectively referred to herein as "Donor" or "Donor Party").

Your Privacy Is Not for Sale

Simply put, we do not and will not sell your personal information to anyone, for any reason, at any time.

How We Capture Information About You

We capture personal information about you in a number of ways.

• Account Applications. We capture information from you in order to provide services to you when you open an account with Schwab Charitable. The information we capture may include your name, address, phone number, email address, Social Security number and date of birth. We use this information to respond to inquiries, administer the account, and recommend program offerings that we believe may be of interest to you.
• Transaction and experience information. Once a Donor opens an account with us, we capture and maintain personal information about contributions, grant recommendations, etc. relating to the account. This information allows us to administer the account, to provide the services a Donor Party has requested and to inform you of other offerings we believe may be of interest to you.
• Third-party information providers. We may capture information about you from third parties to verify your identity, or to better understand your financial needs.
• Web Site usage. When you visit our secure Donor Center, we may use devices known as "cookies," graphic interchange format files (GIFs), or other similar web tools to enhance your web experience. These tools enable us to recognize you when you return to our site, and to maintain your web session while you browse throughout the site, as well as help us provide you with a better, more personalized experience. Cookies do not, standing alone, identify you as an individual by name or account number; they merely recognize your browser.

How We Share Information About You

Within Schwab Charitable and among our service providers such as third-party vendors, we restrict access to your personal information to those who require it to provide our services to you. For example, we have entered into a number of arrangements with Charles Schwab & Co., Inc.® to provide investment management and administrative services.

We do not sell or rent Donor Party names or information to any firm or non-profit organization. We do not sell or rent Donor Party names or information to any third party, nor do we share your information with any third party for their marketing or fundraising purposes.

We may share the personal information that we capture with government agencies or other regulatory bodies and law enforcement officials (for example, for tax reporting or for reporting suspicious transactions) to the extent necessary to comply with applicable laws or valid legal processes.

Safeguarding Your Information, Maintaining Your Trust

We take precautions to ensure the information we capture about you is protected and is accessed only by authorized individuals or organizations. Companies we use to provide support services are not allowed to use information about a Donor for their own purposes and are contractually obligated to maintain strict confidentiality. We limit their use of information to the performance of the specific services we have requested.

We restrict access to personal information by our employees and agents. Our employees are trained about privacy and are required to safeguard personal information.

We maintain physical, electronic and procedural safeguards to protect personal information.

Web Specific Information

The term "the Fund" refers to Schwab Charitable Fund and the term "Charitable Gift Account" refers to your account with Schwab Charitable Fund.

Identity Theft Prevention Program

How You Can Protect Your Identity and Accounts

Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.

Identity theft is a serious concern. Here are few steps to remember in order to protect your identity and accounts.

• We will never request or disclose your personal information (account number, Login password, Social Security number) in either a non-secure or unsolicited email communication.
• If you get an email that warns you, with little or no notice, that an account of yours will be shut down unless you reconfirm your billing information, do not reply or click on the link in the email.
• When you enter account or personal information at the Fund's Web Site, it will always be over a secure connection. You can be sure of this because you will see the secure site indicator in the lower right corner of your browser's frame in the shape of a padlock. It signals that your information is secure during transmission.
• Shred financial documents that contain your personal information before you discard.
• Check your credit report regularly to make sure no unauthorized activity has occurred.
• Protect your personal information (such as your PIN, Social Security number, date of birth, etc.). Do not give it out to any person or company or in an email unless you are familiar with them and you have initiated your communication with them.
• Don't carry unneeded credit cards, your Social Security card, your birth certificate or other personal documents in your purse or wallet.
• Monitor all your bank statements from every credit card every month. Check to see if there is anything that you do not recognize and call the credit grantor to verify that it is truly yours.

It's also important to protect your computer at home. Here are few best practices to follow:

• Use and update anti virus software which will not only protect your machine from malicious viruses, but also helps to protect the networks to which you connect.
• Use a firewall to protect the data on your computer from users entering your computer
• Do not re-use passwords for sensitive systems

Again, the protection of your account and personal information is very important to us. (top)

What To Do If You Are A Victim of Identity Theft

If you are a victim of identity theft, here are some recommended steps:

• Contact us and let us know you have been a victim of identity theft
• Contact the fraud departments of each of the 3 major credit bureaus:

	Equifax	Experian	Trans Union
Report Fraud	800-525-6285	888-397-3742	800-680-7289
Order Credit Report	800-525-6285	888-397-3742	800-916-8800
Web address	equifax.com	experian.com	transunion.com
Address	PO Box 740241 Atlanta, GA 30374-0241	PO Box 9530 Allen, TX 75013	PO Box 6790 Fullerton, CA 92634-6790

• Report the identity theft and request a "fraud alert." This ensures that you will be contacted before any new account is opened and/or an existing account is changed.
• Request copies of credit reports. Review the reports carefully and identify any new accounts that may have been opened. Pay particular attention to the section of the report that lists "inquiries" from new companies. Contact these companies immediately and have them remove any pending or new accounts from their system. Note: Credit bureaus must provide free copies of credit reports to victims of identity theft.
• Contact the fraud departments of creditors to dispute unauthorized charges (e.g., credit card issuer, phone companies, utilities, banks, other lenders.) Describe your identity theft problem and follow up with a letter.
• File a report with your local police department and ask to file a report. This may help when clearing your credit.
• File a complaint with the Federal Trade Commission (FTC). The FTC handles complaints from victims of identity theft, provides information to those victims, and refers complaints to appropriate entities, including the major credit-reporting agencies and law enforcement agencies.
  
  By phone:877-ID-THEFT
  
  Online: Complaint Form

Other Resources to Learn More about Identity Theft:

Federal Trade Commission - IDTheft

Federal Trade Commission - Phishing

Identity Theft Resource center

Identity Theft Prevention and Survival

Social Security Administration

Justice Department

Postal Inspection Service

Please note, these links are being provided as a service convenience. Schwab Charitable is not affiliated with any of these organizations and cannot guarantee their accuracy, effectiveness and/or completeness. (top)

How to Protect Against Phishing

What Is Phishing?

Phishing is the illegal attempt to mislead consumers into providing personal or financial information, including account numbers, passwords and Social Security numbers, via email or through fraudulent Web sites.

The most frequent phishing attacks occur through email disguised to appear as though it came from a reputable financial institution or company.

Most phishing attempts urge you to update or validate your account information, typically through a link in an email directing you to a fake Web site that appears to be legitimate. (top)

How To Spot a Phishing Attack

There are many phishing attacks active on the Internet. Here are a few of their lines and lures:

• An email contains an "urgent" or "shocking" tone requesting your immediate action on an account-related matter. Phishers frequently succeed by getting consumers to act quickly without thinking.
• An email is sent from a user falsely claiming to be a legitimate company with an attachment. An unsolicited email attachment more than likely contains a virus. Do not open it.
• A pop-up window appears from a user falsely claiming to be a legitimate company's Web site asking for personal information.

Protect Your Identity Online

• Do not provide your personal or financial information in response to an email request or after clicking on a link from an email. Legitimate companies do not ask for this type of information through an email communication, no matter how official the email may look.
• Do not enter your personal information into a form within an email message or a pop-up. Email messages and pop-ups are not secure. It is never safe to enter your personal information in a form unless it is on a secure web site.
• Do not open an email from a sender you do not recognize that contains an attachment. A legitimate financial institution would not deliver unsolicited attachments. Delete the email with the attachment immediately.
• Check that you are interacting with a secure Web site. Before you submit personal or financial information on a Web site:
  • Look for the locked padlock or key icon at the bottom of your browser; or
  • Make sure the web site address begins with "https://" instead of "http://". The "s" indicates that the site is secure.

The absence of either of these items will indicate that the site is not secure. If you are unsure of the validity of the email, contact the institution directly-not via any links in the email.

• Keep your browser software up-to-date with security updates. To adequately protect your computer, make sure you have current anti-virus and firewall software installed to help protect your personal information.
• Review your account statement carefully. Verify that all transactions are authorized and report any discrepancies immediately. (top)

Learn More About Phishing Scams or Identity Theft

Additional information can be found at www.antiphishing.org or www.consumer.gov/idtheft/ . (top)

How To Report a Phishing Attack

If you suspect you have received a fraudulent email from Schwab Charitable, please contact: Privacy@schwab.com. If you believe that any communications with or from Schwab Charitable resulted in identity theft, call us immediately at 800-746-6216. (top)

¹Schwab Charitable™ is the name used for the combined programs and services of Schwab Charitable Fund™, an independent nonprofit organization, and Schwab Charitable Trust Services, a limited liability company owned by Schwab Charitable Fund.