and Charles Schwab Bank, SSB ("Schwab"), and the words "you" and "your" refer to the individual(s) or entity identified on the account(s) and using the Service, as well as anyone authorized under the applicable Schwab Account Agreement (such as a joint tenant or authorized agent) to instruct Schwab with respect to transactions in the account that are initiated by using the Service. The words "we," "us," and "our" refer to the entity with which you have your Account, and its affiliates, including, but not limited to, Charles Schwab & Co., Inc. These Terms and Conditions supersede and replace any prior terms and conditions associated with the Service. and Charles Schwab Bank, SSB regarding the Schwab MoneyLink ® Electronic Funds Transfer Service (the "Service" or "ACH Service" or "ACH") and sets forth the terms and conditions that govern your use of the Service ("Terms and Conditions"). This document constitutes your agreement with Charles Schwab & Co., Inc. Please read this important information carefully. Environmental, Social and Governance (ESG) Investing.
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