EFTA00314642.pdf

charlesSCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST Account Number Statement Period IRA CONTRIBUTORY March 1-31, 2014 SIPC has taken the position that it wit not cover the balances held in your depose accounts maintained unde. ingrains Ike our Bark Sweep feature or the Insured Bank Network feature. Please see your Cash Feature Disclosure &atement lot more intormaton on insurance ewer 012008 Charles Schwab 8 Co.. Inc All rights reserved. Member SIPC. (0004.12863; 2002-240) STP252114R1.01 Cut paper clutter. Switch to eStatements at www.schwab.com/paperless or Your Consultant call us today to learn more about how to receive statements only when your account has activity. Also visit www.schwab.com/premiumstatement to Anamika Madan explore the features and benefits of this statement. VP - ultant tel: email: Customer Service and Account Information Market Monitor Customer Service and Trading: Rates Yield Call ou Representative Value Adv Money Fd SWVXX 0.01% Sch Investor Money Fund 0.01% Bank Inquiries: Deposit Accounts: Interest Rate as of 03/31z 0.01% Schwab by Phone TV Year To Date ices: Indices Change Dow Jones Industrial Average -0.72% TeleBroker®: Standard & Poors 500 Index® 1.30% Schwab 1000 Index® 1.48% NASDAQ Composite Index 0.54% Visit Our Web Site: schwab.com Cost Basis Updates: To provide updates for incomplete cost basis information, please visit schwab.com/gainloss Page 1 of 10 03'31.0000PTrll3001-l14639'2 EFTA00314642 charlesSCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST Account Number Statement Period IRA CONTRIBUTORY March 1-31, 2014 Terms and Conditions GENERAL INFORMATION AND KEY TERMS: Fees and Charges: For those fees deserted in the statement as "Fee to purchase price: if applicable. that accurate valuation information may not All references to "Schwab' in this document refer to the broker-dealer Advisor." as authorized by you. Schwab debited your Account to pay the be available. Charles Schwab & Co.. Inc. Unless otherwise defined herein. capitalized fees as thstructed by your Advisor. II is your responsibility. and not Schwab's. Margin Account Customers: This is a combined statement of your margin terms have the same meanings as ri your Account Agreement. If you to verify the accuracy of the fees. Margin interest charged to your Account account and special memorandum account maintained for you under receive any other communication from any soiree other than Schwab during the statement period is included it this section of the statement. Section 220.5 of Regulation T issued by the Board of Governors of the which purports to represent your holdings at Schwab (including balances Interest: For the Schwab One Interest feature. the Bank Sweep Federal Reserve System. The permanent record of the separate account held at a Depository Institution) you should verify its content with this feature. and the Insured Bank Network feature. interest is paid for a as required by Regulation T is available for your inspection. Securities statement. Securities. products. and services are not available in al period that differs from the Statement Period. Balances include purchased on margin are Schwab's collateral for the loan to you. It is im- countries and are subject to country specific restrictions. interest pad as indicated on your statement by Schwab. Charles portant that you fury understand the risks involved in trading securities on A1P (Automatic Investment Plan) Customers: Schwab receives Schwab Bank. or a Depository Institution participating in the Insured margin. These risks include: 1) You can lose more hods than you deposit remuneration in connection with certain transactions effected through Bank Network. These balances do not include interest that may have in the margin account. 2) Schwab can force the sale of securities or other Schwab. If you pa 'cipate in a systematic investment program through accrued during the Statement Period after :Merest is paid. The interest assets in any of your accounts) to maintain the required account equity Schwab. the additionat information normally detailed on a trade confirmation paid may include interest that accrued in the prior Statement Period. without contactig you. 3) You are not entitled to choose which assets are will be provided upon request. For the Schwab One Interest feature. interest accrues day from the liquidated nor are you entitled to an extension of time on a margin call. Average Daily Balance: Average daily composite of all cash balances second-to-last business day of the prior month and is posted on the 0) Schwab can thaease its 'house' maintenance margin requiernents at that earn interest and all loans from Schwab that are charged interest. second-to-last business day of the current month. For the Bank any tine without advance written notice to you. Bank Sweep Feature: Schwab acts as your agent and custodian in Sweep feature, interest accrues daily from the 16th day of the prior Non-Publicly Traded Securities: All assets shown on this statement. other establishing and maintathing your Bank Sweep feature as a Schwab month and is creditedposted on the first business day after the 15th of than certain direct investments which may be held by a third party. are held Cash Feature for your brokerage account. Deposit accounts held the current month. For the Insured Bank Network feature. interest in your Account. Values of certain Non-Publicly Traded Securities may be through the Bank Sweep feature constitute eked obligations of accrues day from the 16th of the prior month and is generally furnished by a third party as provided in Schwab's Account Agreement. Charles Schwab Bank and are not obligations of Schwab. Deposit credited/posted on the 15th of the current month. If the 15th of the Schwab shall have no responsibility for the accuracy or timeliness accounts are insured by the FDIC within applicable limits. The balance month falls on a non-business day. the interest amount payable of such valuations. The Securities Investor Protection Corporation (SIPC) ru the bank deposit accounts can be withdrawn on your order and the through the 15th of the month is generally paid on the last business does not cover many limited partnership interests. proceeds returned to your securities account or remitted to you as day prior to the 15th. However. there may be certain events that trigger Option Customers: Be aware of the following: 1) Commissions and other provided in your Account Agreement. For information on FDIC insurance the posting of interest earlier in the interest period Events that could charges related to the execution of option transactions have been included and its knits. as well as other important disclosures about the Bank trigger an earlier interest posting include the closure of your deposit in confirmations of such transactions previously furnished to you and will Sweep feature. please refer to the Cash Feabses Disclosure Statement accounts at a Depository Institution or the rebalancing of funds be made available promptly upon request 2) You should advise us promptly available online or from a Schwab representative. between your MMDA and transaction account at a Depository of any material changes in your investment objectives or financial situation Insured Bank Network ("Bank Network") Feature: Schwab acts as Institution. These events are referred to as "lAid-Cycle Interest" 3) Exercise assignment notices for the option contracts are allocated your agent and custodian in establishing and maintaining your Insured on your account statement. The interest period for Mid-Cycle Interest among customer short positions by an automated procedure which Bank Network feature as a Schwab Cash Feature for your brokerage payments will be from the 16th of the prior month. or the date the randomly selects from among all customer short option positions those account. Deposit accounts held through the Insured Bar* Network account(s) were established il after the 16th of the prior month, until contracts which are subject to exercise. thcluding positions established on feature constitute direct obligations of a participating Depository the date posted on yam account statement. For more information. the day of assignment. 0) Realized gainAoss of underlying securities is Institution and are not obligations of Schwab. Insured Bank Network about Mid-Cycle Interest payments please refer to your Cash Features adjusted to reflect the premiums of assigned or exercised options. deposit accounts are insured by the FDIC within applicable limits. The Disclosure Please consult your tax advisor or IRS publication 560. Investment balance in the bank deposit accounts can be withdrawn on your If. on any given day. the interest that Schwab calculates for the Free Income and Expenses. for add bonal information on Options. order and the proceeds returned to your securities account or Credit Balances in the Schwab One Interest feature in your brokerage Schwab Sweep Money Funds: Includes the primary money market funds remitted to you as provided II your Account Agreement. For account is less than $.005. you will not accrue any interest on that day. into which Free Credit Balances may be automatically retested pursuant thformation on FDIC insurance and its knits. as well as other important For balances held at Charles Schwab Bank in the Bank Sweep feature to your Account Agreement. Schwab or an affiliate acts and receives com- disclosures about the Insured Bank Network feature, please refer to or at a Der sitory Institution participating in the Insured Bank Network. pensation as the Investment Advisor. Transfer Agent, Shareholder Service ce the Cash Features Disclosure Statement available ovine or from a interest accnm even d the amount is less than $.005. Agent t of Schwab representative. Latest Price/Price (Investment Detail Section Only): The most recent such compensation is disclosed in the prospecturr the yiekl information for Cash: Any Free Credit Balance owed by us to you payable upon demand price evaluation available on the last business day of the statement period. Schwab Sweep Money Funds is the current 7-clay yield as of the statement which. although accounted for on our books of record. is not segregated and normally the last trade price or bid. Unpiced securities denote that no mar- period. Yields vary. Schwab and the Schwab Sweep Money Funds invest- may be used in the conduct of this firm's business. ket evaluation update is currently available. Price evaluations are obtained ment advisor may be voluntarily reducing a portion of a Schwab Sweep Mon- Dividend Reinvestment Customers: Dividend reinvestment transactions from outside parties. Schwab shall have no responsiblity for the accuracy ey Fund's expenses. Without these reductions, yields would have been lower. were effected by Schwab actthg as a principal for its own account. except or timeliness of any such valuations. Pricing of assets not held at Schwab is The shares of the money market mutual fund can be liquidated on for the reinvestment of Schwab dividends. for which an independent for informationalprposes only. Some securities, especially thinly traded your order and the proceeds returned to your securities account or broker-dealer wed as the buying agent. The tine of these transactions. equities in the OTC market or foreign markets, may not report the most remitted to you as provided in your Account Agreement and the the exchange upon which these transactions occurred and the name of the current price and are indicated as Stale Priced. For Limited Partnerships applicable prospectus. person from whom the security was purchased nil be furnished upon and Real Estate Investment Trust (REIT) securities, you may see that the Securities Products and Services: Securities products and services are written request. value reflected on your periodic statement for this securityis unpnced. offered by Charles Schwab & Co.. Inc.. Member SIPC. Securities products Estimated Annual Income: Derived from information provided by out- NASD rules require that certain Limited ships (direct participation and services, including unswept intraday funds and net credit balances held side parties. Schwab cannot guarantee the accuracy of such information. programs) and REIT securities. that have not been priced within t8 months. in brokerage accounts are not guaranteed deposits or obligations Since the interest and dividends ere subject to change at any time, they must show as unpriced on customer statements. Note that these securities of Charles Schwab Bank or a Depository Insblutionts) participating should not be relied upon exclusively for making investment decisions. are generally illiquid, the value of the securities wit be different than its in the Insured Bank Network. m.td are subjectto investment risk. are not Page 2 of 10 SIP( EFTA00314643 charlesSCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST Account Number Statement Period IRA CONTRIBUTORY March 1-31, 2014 Terms and Conditions (continued) FDIC insured. may lose value. and are not bank guaranteed. SIPC Services Agent for the Government Money Fund. Schwab or an affiliate does not cover balances held al Charles Schwab Bank in the Bank is compensated by the Sweep Funds for acting in each of these capacities Sweep feature or at a Depository Institution(s) participating in the other than as Distributor. The amount of such compensation is disclosed Insured Bank Network feature. in the prospectus. Additional information will be provided upon written Short Positions: Securities sold shorl wil be identified though an in request. A financial statement for your inspection is available al Schwab's Investment Detail. The market value of these &cosines will be expressed offices or a copy will be mailed to you upon written request. as a debit and be netted against any long positions in Total Account Value. Any third party trademarks appearing herein are the property of their Depository Institution: A Member FDIC depository institution respective owners. participating in the Insured Bank Network that has entered into a deposit agreement with Schwab. at which nterest.tearing deposit (1113-7022) accounts are maintained on your behalf. Gain (or Loss): Unrealized Gan or (Loss) and Realized Gain or (Loss) sections ('GairvLoss Section(sr) contain a gain or a loss summary of your Account. This reformation has been provided on this statement at the request or your Advisor. This information is not a solicitation or a recommendation to buy or sell. It may. however, be helpful for investment and tax planning strategies. Schwab does not provide tax advice and encourages you to consult with your tax professional. Please view the Cost Basis Disclosure Statement for additional Information on how gain (or loss) is calculated and how Schwab reports adjusted cost basis information to the IRS. Accrued Income: Accrued Income is the sum of the total accrued :Merest and/or acciued dividends on positions held in your Account, but the interest and/or dividends have not been received nor your account. Schwab makes no representation that the amounts shown (or any other amount) will be received. Accrued amounts are not covered by SIPC account protection until actually received and held in the Account. IN CASE OF ERRORS OR DISCREPANCIES: If you find an error or discrepancy relating to your brokerage activity (other than an electronic fund transfer) you must notify us promptly. but no later than 10 days after this statement is sent or made available to you. If this statement shows that we have mailed or delivered security certificate(s) that you have not received, notify Schwab immediately. You may call us at 800-435-4000. (Outside the U.S.. call +1-415-667- 8400.) Any oral communications should be re-confirmed in writing to further protect your rights. including rights under the Securities Investor Protection Act (SIPA). If you do not so notify us, you agree that the statement activity and Account balance are correct for all purposes with respect to those brokerage transactions. IN CASE OF COMPLAINTS: If you have a complaint regarcim your Schwab statement, products or services. please write to the Client Advocacy Team at Charles Schwab & Co.. Inc.. Attention: Client Advocacy Team, 211 Main SI.. San Francisco. CA 94105. USA. or call 800435-4000. For Clients resicim outside of the U.S.. call collect 1-41S-667-8400. Address Changes: II you fail to notify Schwab in writing of any change of address or phone number. you may not receive important notifications about your Account. and trading or other restrictions might be placed on your Account. Additional Information: We are required by law to report to the Internal Revenue Service aMisted cost basis information (if applicable). certain payments to you and credits to your Account during the calendar year. Retain this statement for income tax purposes. Schwab or an affiliate acts as the Investment Advisor. Transfer Agent. Shareholder Service Agent and Distrioutor for the Sweep Funds and as Transaction Page 3 of 10 EFTA00314644 charlesSCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST Account Number Statement Period IRA CONTRIBUTORY March 1-31, 2014 Change in Account Value This Period Year to Date Account Value ($) Over Last 12 Months [in Thousands] Starting Value S 318,727.36 S 306,866.73 Cash Value of Purchases & Sales (72.16) (408.66) 360 Investments Purchased/Sold 72.16 408.66 300 Deposits & Withdrawals 0.00 11.000.00 240 Dividends & Interest z 72.22 448.32 160 Fees & Charges 0.00 0.00 120 Transfers 0.00 0.00 60 Income Reinvested (72.16) (408.66) Change in Value of Investments 1.211.01 2.032.04 4/13 &13 6/13 7/13 8/13 fe/13 10113 11113 12,13 1114 2/14 3/14 Ending Value on 03/31/2014 S 319,938.43 S 319,938.43 Accrued Income° 39.60 Ending Value with Accrued Income S 319,978.03 Total Change in Account Value: Including Deposits and Withdrawals Including Deposits, Withdrawals. and skinfignigNifid Asset Composition Market Value % of Account Assets Overview Gain or (Loss) Summary Gain or (Loss) on Investments Sold Deposit Accountsx $ 11.234.68 4% Equities 60.311.32 19% This Period $0.00 Equity Funds 248.392.43 78% Unrealized Gain or (Loss) Total Assets Long S 319,938.43 All Investments $60.621.72' Values may not reflect all of your gainsilosses. 4% Deposit Accounts Account Notes II (KZ] B 19% Equities • Accrued Dividend is $39.60 78% Equity Funds Schwab has provided accurate gain and loss information wherever possible for most investments. Cost basis data may be incomplete or unavailable for some of your hddings. Please see "Endnotes for Your Account' section for an explanation of the endnote codes and symbols on this statement. Page 4 of 10 EFTA00314645 charlesSCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST Account Number Statement Period IRA CONTRIBUTORY March 1-31, 2014 Income Summary This Period Year To Date Deposit Accounts Interest 0.06 0.06 Cash Dividends 72.16 166.71 Total Capital Gains 0.00 281.55 Investment Detail - Deposit Accounts % of Account Deposit Accounts Market Value Assets Deposit Accounts X2 11,234.68 4% Investment Detail - Equities % of Account Unrealized Estimated Estimated Quantity Market Price Market Value Assets Gain or (Loss) Yield Annual Income Equities Cost Basis AMERICAN INTL GROUP NEW 578.7422 50.0100 28,942.90 9% 5,532.20 0.99% 289.37 SYMBOL: AIG 23.410.70 GENERAL ELECTRIC COMPANY 180.0000 25.8900 4,660.20 1% (304.37) 3.39% 158.40 SYMBOL: GE 4.964.57 Accrued Dividend: 39.60 GOOGLE INC CLASS A 10.0000 1,114.5100 11,145.10 3% 7,306.65 0.00% 0.00 TRADES WITH DUE BILLS 3.838.45 SYMBOL: GOOG Schwab has provided accurate gain and loss information wherever possible for most investments. Cost basis data may be incomplete or unavailable for some of your holcings. Please see "Endnotes for Your Account" section for an explanation of the endnote codes and symbols on this statement. Page 5 of 10 EFTA00314646 charlesSCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST Account Number Statement Period IRA CONTRIBUTORY March 1-31, 2014 Investment Detail - Equities (continued) % of Account Unrealized Estimated Estimated Quantity Market Price Market Value Assets Gain or (Loss) Yield Annual income Equities (continued) Cost Basis STARBUCKS CORP • 212.0894 73.3800 15,563.12 5% 8,598.30 1.41% 220.57 SYMBOL: SBUX 6,964.82 Total Accrued Dividend for Equities: 39.60 Estimated Annual Income (TAP:land Estimated Yield (EY, calculations are for informationalpurposes only. The actual income and yield might be lower or higher than the estimated amounts. EY is based upon EA! and the current price of the security and will fluctuate. For certain types of securities. the calculations could include a return ofprincipal or capital gains in which case EA1andEY wouldbe overstated. EY and EA1are not promptly updated to reflect when an issuer has missed a regular payment or announced changes to future payments, in which case EAl and EY will continue to display at a prior rate. Investment Detail - Mutual Funds % Market Market Account Average Unrealized Equity Funds Quantity Price Value Assets Cost Basis Cost Basis Gain or (Loss) FIDELITY ADV DIV GROWTH 0 1,836.1280 17.6700 32,444.38 10% N/A please provide N/A FD CL T SYMBOL: FDGTX FIDELITY ADV EQTY VALUE 0 2,215.3290 14.6300 32,410.26 10% N/A please provide NIA FD CL T SYMBOL: FAVTX FIDELITY ADV SMALL CAP • 1,486.5380 26.6800 39.660.83 12% NIA please provide N/A FO CL T SYMBOL: FSCTX Schwab has provided accurate gain and loss information wherever possible for most investments. Cost basis data may be incomplete or unavailable for some of your holdngs. Please see "Endnotes for Your Account" section for an explanation of the endnote codes and symbols on this statement. Page 6 of 10 EFTA00314647 charlesSCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST Account Number Statement Period IRA CONTRIBUTORY March 1-31, 2014 Investment Detail - Mutual Funds (continued) % of Market Market Account Average Unrealized Equity Funds (continued) Quantity Price Value Assets Cost Basis Cost Basis Gain or (Loss) FIDELITY ADV STOCK c 1.141.7280 30.4500 34.765.62 11% N/A please provide N/A SELECTOR MID CAP T SYMBOL: FMCAX JANUS FUND CL T 823.8220 40.9600 33.743.75 11% 26.95 22.201.60 11.542.15 SYMBOL: JANSX SCHWAB S&P 500 INDEX FD 2.567.0160 29.3600 75.367.59 24% 18.47 47.420.80 27.946.79 SYMBOL: SWPPX 69,622.• 39,488.' 39,488.941 69,622.40' Total Investment Detail 319,938.43 Total Account Value 319,938.43 Total Cost Basis 108,800.94 Schwab has provided accurate gain and loss information wherever possible for most investments. Cost basis data may be incomplete or unavailable for some of your hddings. Please see "Endnotes for Your Account' section for an explanation of the endnote codes and symbols on this statement. Page 7 of 10 EFTA00314648 charlesSCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST Account Number Statement Period IRA CONTRIBUTORY March 1-31, 2014 Transaction Detail - Purchases & Sales Equities Activity Settle Date Trade Date Transaction Description Quantity Unit Price Total Amount 03/26/14 03/26/14 Reinvested Shares AMERICAN INTL GROUP NEW: AIG 1.4330 50.3541 (72.16) Transaction Detail - Dividends & Interest (including Money Market Fund dividends reinvested) Transaction Process Date Date Activity Description Credit/(Debit) 03/15/14 03/17/14 Bank Interestx•z BANK INT 021614-031514 0.06 03/25/14 03/25/14 Qual Div Reinvest AMERICAN INTL GROUP NEW: AIG 72.16 Schwab has provided accurate gain and loss information wherever possible for most investments. Cost basis data may be incomplete or unavailable for some of your holdngs. Please see "Endnotes for Your Account" section for an explanation of the endnote codes and symbols on this statement. Page 8 of 10 EFTA00314649 charlesSCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST Account Number Statement Period IRA CONTRIBUTORY March 1-31, 2014 Charles Schwab Bank Deposit Accounts Activity Transaction Date Transaction Description Withdrawal Deposit Balancex2 03/15/14 Interest Paidx2 BANK INTEREST 0.06 11,234.68 Deposit Accounts: Interest Rate as of 03/31/14 was 0.01%.Your interest period was 02/16/t4 • 03/15/t4. z Pending Corporate Actions Transaction Quantity Payable Date Rate per Share Share Distribution Cash Distribution GOOGLE INC CLASS A Spin-Off 10.0000 04/02/14 1.0000 Spin-Off Dist 0.0000 N/A 0.0000 10.0000 GENERAL ELECTRIC COMPANY Qualified Dividend 180.0000 04/25/14 0.2200 39.60 Pending transactions are not included in account value. Contribution Summary 2013 2014 Traditional IRA 5,500.00 5,500.00 Schwab has provided accurate gain and loss information wherever possible for most investments. Cost basis data may be incomplete or unavailable for some of your holcings. Please see "Endnotes for Your Account" section for an explanation of the endnote codes and symbols on this statement. Page 9 of 10 EFTA00314650 charlesSCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST Account Number Statement Period IRA CONTRIBUTORY March 1-31, 2014 Endnotes For Your Account Symbol Endnote Legend 0 Dividends paid on this security will be automatically reinvested. d Accrued Income is the sum of the total accrued interest and/or accrued dividends on positions held in your brokerage account. but the income and/or dividends have not been received into your account and Schwab makes no representation that they will. Accrued amounts are not covered by SIPC account protection until actually received and held in the account. Value includes incomplete cost basis. If cost basis is not available for an investment, you may be able to provide updates. Please refer to the first page of this statement for instructions or contact information. X Balances held at Charles Schwab Bank, member FDIC. 2 Please note that the interest is paid for a period that differs from the Statement Period. Bank balances include any interest that Charles Schwab Bank paid as indicated on the Deposit Accounts Activity page. Bank balances do not include any interest that may have accrued during the Statement Period after interest is paid. The interest paid may include interest that accrued in the prior Statement Period. For information on how Schwab pays its representatives, go to http://aboutschwab.comiabout/overview/compensation.html. Schwab has provided accurate gain and loss information wherever possible for most investments. Cost basis data may be incomplete or unavailable for some of your hddings. Please see "Endnotes for Your Account' section for an explanation of the endnote codes and symbols on this statement. Page 10 of 10 silk: EFTA00314651