EFTA00283303.pdf

charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF Account Number Recipient's Name and Address 0207 89CC3 YEIAISV) '1 4 LESLEY KATHERINE GROFF Items for Attention • Schwab provides your Form 1099 tax information as early and as accurately as possible. However, some issuers may provide new information about their securities after the IRS Form 1099 mailing deadline. If Schwab receives updated information from issuers of securities you-hold. we are required by the IRS to send you a CORRECTED Form 1099 with changes clearly highlighted. Please plan your tax preparation accordingly. • You can alto to view your documents securely online and visit to manage your delivery preferences. • Please refer to the enclosed insert(s) for additional information. Your Consultant TAX YEAR 2013 FORM 1099 COMPOSITE & YEAR-END SUMMARY Date Prepared: February 7, 2014 Anamika Madan VP Financial Consultant 1 Important Official IRS Form(s) 1099 Enclosed The report in this package contains your income tax return documents and year-end summary. Please retain this package for tax preparation purposes. For tax advice, please consult with a qualified tax advisor. CPA. or financial planner. To contact Schwab: If you have any questions or need additional information about your Form(s) 1099 or your year-end summary, please call 1-800-435-4000, 24 hours a day. 7 days a week. We're always here for you. To contact the IRS: Tax questions for individuals: 1-800-829-1040 Tax questions for businesses: 1-800-829-4933 To order tax forms or publications: 1-800-829-3676 To pay taxes by credit card: 1-888-272-9829 For additional information and to print forms and publications, visit www.irs.gov. O2014 Charles Schwab 8 Co.. Inc. Al sigh's resanoct. IA:mbor SIPC. (0114-0018) Page 1 of 16 EFTA00283303 charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF er TAX YEAR 2013 FORM 1099 COMPOSITE & YEAR-END SUMMARY Date Prepared: February 7, 2014 Your Form 1099 Composite may include the following Internal Revenue Service (IRS) forms: 1099-DIV, 1099-INT, 1099-MISC, 1099-B and 1099.OID. You'll only receive the form(s) that apply to your particular financial situation and please keep for your record. Please note that information in the Year-End Summary is not provided to the IRS. It is provided to you as additional tax reporting information you may need to complete your tax return. Table of Contents Page FORM 1099 COMPOSITE 3 Form 1099-DW 3 Form 1099-INT 5 Form 1099-B 7 Notes for your Form 1099-B 7 YEAR-END SUMMARY 10 Interest & Dividends 10 Detail Information of Dividends and Distributions 10 Detail Information of Interest Income 10 Realized Gain or (Loss) 11 Long-Term Realized Gain or (Loss) 11 Realized Gain or (Loss) Summary 12 Notes for Your Realized Gain or (Loss) 13 Cost Basis Disclosure 14 Terms and Conditions 16 O2014 Charles Schwab S Co.. Inc. Al sigh's resanoct. IA:mbor SIPC. (0114.0018) Page 2 of 16 EFTA00283304 charles SCHWAB Schwab Onc€ Account of LESLEY KATHERINE GROFF Account Number TAX YEAR 2013 FORM 1099 COMPOSITE Recipient's Name and Address Payer's Name and Address LESLEY KATHERINE GROFF Date Prepared: February 7.2014 CHARLES SCHWAB & CO., INC. 211 MAIN STREET SAN FRANCISCO. CA 94105 Taxpayer ID Numb Telephone Number Account Number Federal ID Number Dividends and Distributions 2013 Form 1099-DIV Department of the Treasury-Internal Revenue Service Copy B for Recipient (OMB No. 1545-0110) Box Description la Total Ordinary Dividends (Includes amount shown in box lb) lb Qualified Dividends 368.73 2a Total Capital Gain Distributions 0.00 (Includes amounts shown in boxes 2b, 2c and 2d) 21) Unrecap. Sec. 1250 Gain 2c Section 1202 Gain 2d Collectibles (28%) Gain 3 Nondividend Distributions 4 Federal Income Tax Withheld 5 Investment Expenses $ 6 Foreign Tax Paid $ 0.00 7 Foreign Country or U.S. Possessi 8 Cash Liquidation Distributions $ 0.00 9 Noncash Liquidation Distributions $ 0.00 10 Exempt-interest Dividends $ 0.00 11 Specified Private Activity Bond Interest Dividends $ 0.00 12 State 13 State Identification No. 14 State Tax Withheld $ 0.00 Amount Total 932.41 0.00 0.00 0.00 0.00 0.00 0.00 This Is important tax Information and Is being furnished to the Internal Revenue Service. If you are required to file a return, a negligence penalty or other sanction may be imposed on you If this income is taxable and the IRS determines that it has not been reported. O2014 Charles Schwab it Co.. Inc. Al rights reserved. IA:mbor SIPC.40114-001B) Page 3 of 16 EFTA00283305 charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF Account Number TAX YEAR 2013 FORM 1099 COMPOSITE INSTRUCTIONS FOR RECIPIENTS OF FORM 1099 1099-DIV: Dividends and Distributions Recipient's identification number. For your protection, this form may show only the last four digits of your social security number (SSN). individual taxpayer identification number (ITN), or adoption taxpayer identification number (ATIN). However. the issuer has reported your complete identification number to the IRS and, where applicable, to state and/or local governments. Account number. May show an account or other unique number the payer assigned to distinguish your account. Box la. Shows total ordinary dividends that are taxable. Include this amount on line 9a of Form 1040 or 1040A. Also, report it on Schedule B (1040A or 1040). if required. Box lb. Shows the portion of the amount in box la that may be eligible for reduced capital gains rates. See Form 1040/1040A instructions for bow to determine this amount. Report the eligible amount on line 9b. Form 1040 or 1040A. The amount shown may be dividends a corporation paid directly to you as a participant (or beneficiary of a participant) in an employee stock ownership plan (ESOP). Report it as a dividend on your Form 1040/1040A but treat it as a plan distribution, not as investment income. for any other purpose. Box 2a. Shows total capital gain distributions from a regulated investment company or real estate investment trust. Report the amounts shown in box 2a on Schedule D (Form 1040), line 13. But. if no amount is shown in boxes 2c-2d and your only capital gains and losses are capital gain distributions, you may be able to report the amounts shown in box 2a on line 13 of Form 1040 (line 10 of Form 1040A) rather than Schedule D. See the Form 1040/1040A instructions. Box 2b. Shows the portion of the amount in box 2a that is unrecaptured section 1250 gain from certain depreciable real property. Report this amount on the Unrecaptured Section 1250 Gain Worksheet-Line 19 in the Schedule D instructions(Form 1040). Box 2c. Shows the portion of the amount in box 2a that is section 1202 gain from certain small business stock that may be subject to a 50% exclusion and certain empowerment zone business stock that may be subject to a 60% exclusion. See the Schedule D (Form 1040) instructions. Box 2d. Shows 28% rate gain from sales or exchanges of collectibles. If required. use this amount when completing the 28% Rate Gain Worksheet-Line 18 in the instructions for Schedule D (Form 1040). Box 3. Shows the part of the distribution that is nontaxable because it is a return of your cost (or other basis). You must reduce your cost (or other basis) by this amount for figuring gain or loss when you sell your stock. But if you get back all your cost (or other basis). report future distributions as capital gains. See Pub. 550. Investment Income and Expenses. Box 4. Shows backup withholding. A payer must backup withhold on certain payments if you did not give your taxpayer identification number to the payer. See Form W-9. Request for Taxpayer Identification Number and Certification, for information on backup withholding. Include this amount on your income tax return as tax withheld. Box 5. Shows your share of expenses of a nonpublicly offered regulated investment company. generally a nonpublicly offered mutual fund. If you file Form 1040. you may deduct these expenses on the "Other expenses' line on Schedule A (Form 1040) subject to the 2% limit. This amount is included in box la. Box 6. Shows the foreign tax that you may be able to claim as a deduction or a credit on Form 1040. See the Form 1040 instructions. Box 7. This box should be left blank if a regulated investment company reported the foreign tax shown in box 6. Boxes 8 and 9. Shows cash and noncash liquidation distributions. Box 10. Shows exempt-interest dividends from a mutual fund or other regulated investment company paid to you during the calendar year. Include this amount on line 8b of Form 1040 or 1040A as tax-exempt interest. This amount may be subject to backup withholding. See box 4. Box 11. Shows exempt-interest dividends subject to the alternative minimum tax. This amount is included in box 10. See the Instructions for Form 6251. Boxes 12-14. State income tax withheld reporting boxes. Nominees. If this form includes amounts belonging to another person. you are considered a nominee recipient. You must file Form 1099-DIV (with a Form 1096) with the 111S for each of the other owners to show their share of the income. and you must furnish a Form 1099-DIV to each. A husband or wife is not required to file a nominee return to show amounts owned by the other. See the 2013 General Instructions for Certain Information Returns. Future Developments. For the latest information about the developments related to Form 1099-DIV and its instructions. such as legislation enacted after they were published. go to www.irs.gowlonn1099div. O2014 Charles Schwab 8 Co.. Inc. Al nghis resanoct. IA:mbor SIPC. (0114-0018) Page 4 of 16 EFTA00283306 charles SCHWAB Schwab Onc€ Account of LESLEY KATHERINE GROFF Account Number TAX YEAR 2013 FORM 1099 COMPOSITE Recipient's Name and Address Payer's Name and Address LESLEY KATHERINE GROFF Date Prepared: February 7.2014 CHARLES SCHWAB & CO., INC. 211 MAIN STREET SAN FRANCISCO. CA 94105 Taxpayer ID Num Telephone Number: Account Number: Federal ID Number: Interest Income — 2013 Form 1099-INT Department of the Treasury-Internal Revenue Service Box Description Copy B for Recipient (OMB No. 1545-0112) Total 1 Interest Income 0.02 3 Interest on U.S. Savings Bonds and Treasury Obligations 0.00 4 Federal Income Tax Withheld 0.00 5 Investment Expenses $ 0.00 6 Foreign Tax Paid $ 0.00 7 Foreign Country or U.S. Possession 8 Tax-Exempt Interest 0.00 9 Specified Private Activity Bond Interest 0.00 10 Tax-Exempt Bond CUSIP No. 11 State 12 State Identification No. 13 State Tax Withheld 0.00 This is Important tax information and Is being furnished to the Internal Revenue Service. II you are required to file a return, a negligence penalty or other sanction may be imposed on you if this income is taxable and the IRS determines that It has not been reported. O2014 Charles Schwab it Co.. Inc. Al rights reserved. IA:mbor SIPC.40114-001B) Page 5 of 16 EFTA00283307 charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF Account Number TAX YEAR 2013 FORM 1099 COMPOSITE INSTRUCTIONS FOR RECIPIENTS OF FORM 1099 1099-INT: Interest Income Recipient's identification number. For your protection. this form may show only the last four digits of your social security number (SSN). individual taxpayer identification number (ITN). or adoption taxpayer identification number (ATIN). However. the issuer has reported your complete identification number to the IRS and, where applicable.to state and/or local governments. Account number. May show an account or other unique number the payer assigned to distinguish your account. Box 1. Shows taxable interest paid to you during the calendar year by the payer. This does not include interest shown in box 3. May also show the total amount of the credits from clean renewable energy bonds, qualified forestry conservation bonds. new clean renewable energy bona, qualified energy conservation bonds, qualified zone academy bonds. qualified school construction bonds, and build America bonds that must be included in your interest income. These amounts were treated as paid to you during 2013 on the credit allowance dates (March 15. June 15, September 15. and December 15). For more information, see Form 8912, Credit to Holders of Tax Credit Bonds. Box 3. Shows interest on U.S. Savings Bonds. Treasury bills. Treasury bonds, and Treasury notes. This may or may not alt be taxable. See Pub. 550. This interest is exempt from state and local income taxes. This interest is not included in box 1. Box 4. Shows backup withholding. Generally. a payer must backup withhold if you did not furnish your taxpayer idenlification number (TIN) or you did not furnish the correct TIN to the payer. See Form W-9. Include this amount on your income tax return as tax withheld. Box 5. Any amount shown is your share of investment expenses of a single-class REMIC. If you file Form 1040. you may deduct these expenses on the "Other expenses" line of Schedule A (Form 1040) subject to the 2% limit. This amount is included in box 1. Box 6. Shows foreign tax paid. You may be able to claim this tax as a deduction or a credit on your Form 1040. See your Form 1040 instructions. Box 7. Shows the country or U.S. possession to which the foreign tax was paid. Box 8. Shows tax-exempt interest paid to you during the calendar year by the payer. Report this amount on line 8b of Form 1040 or Form 1040A. This amount may be subject to backup withholding. See box 4. Box 9. Shows tax-exempt interest subject to the alternative minimum tax. This amount is included in box 8. See the Instructions for Form 6251. Box 10. Shows CUSIP number(s) for tax-exempt bond(s) on which tax-exempt interest was paid to you during the calendar year and reported in box 8. If blank. no CUSIP number was issued for the bond(s). Boxes 11-13. State tax withheld reporting boxes. Nominees. If this form includes amounts belonging to another person(s). you are considered a nominee recipient. Complete a Form 1099-INT for each of the other owners showing the income allocable to each. File Copy A of the form with the IRS. Furnish Copy B To each owner. List yourself as the "payer and the other owner(s) as the "recipient." File Form(s) 1099-INT with Form 1096 with the Internal Revenue Service Center for your area. On Form 1096 hst yourself as the "filer." A husband or wife is not required to file a nominee return to show amounts owned by the other. Future Developments. For the latest information about developments related to Form 1099-INT and its instructions. such as legislation enacted after they were published. go to www.irs.govfionn1099int O2014 Charlas Schwab 8 Co.. Inc. Al nghis resanoct. IA:mbor SIPC. (0114.0018) Page 6 of 16 EFTA00283308 charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF Recipient's Name and Address LESLEY KATHERINE GROFF Taxpayer ID Num Account Number: Proceeds from Broker Transactions — 2013 Account Number TAX YEAR 2013 FORM 1099 COMPOSITE Date Prepared: February 7, 2014 Payer's Name and Address CHARLES SCHWAB & CO., INC. 211 MAIN STREET SAN FRANCISCO. CA 94105 Telephone Number: Federal ID Number: Form 1099-B Department of the Treasury-Internal Revenue Service Copy B for Recipient (OMB No. 1545-0715) 1 c-Type of gain or loss: Long-term (Report on Form 8949, Part II, with Box B checked.) 6a-Noncovered security &Description CUSIP Number 1d-Slock or other symbol lb-Date of acquisition la-Date of sale or exchange 07/24/08 $ 449.54 $ 3,262.45 $ 0.00 $ 0.00 10/01/13 1,000.00 449.54 $ 3,262.45 $ 0.00 $ 0.00 449.54 $ 3,262.45 449.54 $ 3,262.45 449.54 0.00 COST BASIS IN THIS 2a-Sales price of stocks, bonds, etc. (less commissions and options premiums) le•Quantity sold LONG-TERM HOLDING PERIOD SECTION IS AVAILABLE BUT NOT REPORTED TO THE IRS 3-Cost or other basis 5-Wash sale loss disallowed 4-Federal income tax withheld PNI DIGITAL MEDIA INC F 69351F106 S PNDMF Security Subtotal Total Long-Term (Cost basis is available but not reported to the IRS) Total Long-Term Sales Price of Stocks, Bonds, etc. Total Sales Price of Stocks, Bonds, etc. Total Federal Income Tax Withheld Notes for your Form 1099-B Schwab has provided cost basis information whenever possible for most investments. Cost basis data may be incomplete or unavailable for some of your holdings. When value for the report is unavailable, it is noted as follows: "Missing" or "Not Provided" Please see the "Notes for Your Form 1099-B" section for additional explanation of this Form 1099-8 report. This Is important tax information and is being furnished to the Internal Revenue Service. If you are required to file a return, a negligence penalty or other sanction may be imposed on you if this income is taxable and the IRS determines that it has not been reported. O2014 Charles Schwab it Co.. Inc. Al rights reserved. IA:mbor SIPC.40114-001B) Page 7 of 16 EFTA00283309 charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF Account Number TAX YEAR 2013 FORM 1099 COMPOSITE INSTRUCTIONS FOR RECIPIENTS OF FORM 1099 1099-B: Proceeds from Broker Transactions Brokers and barter exchanges must report proceeds from transactions to you and the IRS on Form 1099-B. Reporting is also required when your broker knows or has reason to know that a corporation in which you own stock has had a reportable change in control or capital structure. You may be required to recognize gain from the receipt of cash. stock. or other property that was exchanged for the corporation's stock. If your broker reported this type of transaction to you.lhe corporation is identified in box 8. Recipient's Identification number. For your protection this form may show only the last four digits of your social security number (S§N), individual taxpayer identification number (ITIN), or adoption taxpayer identification number (ATIN). However, the issuer has reported your complete identification number to the IRS and, where applicable. to state and/or local governments. Account number. May show an account or other unique number the payer assigned to distinguish your account. CUSIP number. For broker transactions. may show the CUSIP (Committee on Uniform Security Identification Procedures) number or other applicable identifying number of the item reported. Box la. Shows the trade date of the sale or exchange. For short sales. the date shown is the date the security was delivered to close the short sale. For aggregate reporting in boxes 9 through 12, no entry will be present. Box lb. This box may be blank if box 6a is checked or if the securities sold were acquired on a variety of dates. For short sales, the date shown is the date you acquired the security delivered to close the short sale. Box 2a. Shows the aggregate cash proceeds from transactions involving_ stocks. bonds, other debt obligations. commodities, or forward contracts. May show the proceeds from the disposition of your interest(s) in a widely held fixed invettment trust. May also show the aggregate amount of cash and the fair market value of any stock or other property received in a reportable change in control or capital structure arising from the corporate transfer of property to a foreign corporation. Losses on forward contracts are shown in parentheses. This box does not include proceeds from regulated futures contracts. The broker must indicate whether the sales price or the sales price less commissions (including transfer taxes) and option premiums was reported to the IRS. Report this amount on Form 8949 or on Schedule D (whichever is applicable) as explained in the instructions for Schedule D. Box 2b. If checked, you cannot take a loss on your tax return based on gross proceeds from a reportable change in control or capital structure reported in box-2a. Do not report this loss on Form 8949 or Schedule D. The broker should advise you of any losses on a separate statement. Box 3. Shows the cost or other basis of securities sold. If box 6a is checked, box 3 may be blank. See the Form 8949 instructions. Schedule D instructions, or Pub. 550 for details. Box 4. Shows backup withholding. Generally, a payer must backup withhold if you did not furnish your taxpayer identification number to the payer. See Form W-9 for information on backup withholding. Include this amount on your income tax return as tax withheld. Box 5. Shows the amount of nondeductible loss in a wash sale transaction. For details on wash sales, see the Schedule D (Form 1040) instructions and Pub. 550. Box 6a. If checked, the securities sold were noncovered securities and boxes 1b. lc. 3, and 5 may be blank. Generally, a noncovered security means: a security other than stock: stock purchased before 2011: stock in most mutual funds and other regulated investment companies purchased before 2012: and stock purchased in or transferred to a dividend reinvestment plan before 2012. Box 6b. If checked. the basis in box 3 has been reported to the IRS. If box 6b is checked on Form(s) 1099-B and NO adjustment is required. see the instructions for your Schedule D. Box 8. Shows a brief description of the item or service for which the proceeds or bartering income is beinp reported. For regulated futures contracts and forward contracts. "RFC" or other appropriate description g ay shown. For a corporation that had a reportable change in con rol or capital structure, this box may show the class of stock as C (common). P (preferred), or 0 (other). Boxes 13.15. Shows state income tax withheld. O2014 Charlas Schwab 8 Co.. Inc. Al nghis resanoct. IA:mbor SIPC. (01144018) Page 8 of 16 EFTA00283310 charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF TAX YEAR 2013 FORM 1099 COMPOSITE Taxpayer ID Number: - -MI Notes for your Form 1099-B (continued) Date Prepared: February 7, 2014 Not Schwab is not providing Cost Basis on this security type. Provided Missing Cost Basis may be missing due to one of the following reasons: • Cost basis data may not be available for a number of reasons (for example, the security was purchased outside of Schwab and we did not receive cost basis from the transferring firm). • The security was purchased more than 10 years ago. Acquisition If there is more than one lot in a sell transaction, the acquisition date for the individual lot in the transaction can be found in the Realized Gain Loss Date section of the Year End Summary. (1) If the acquisition date is blank, your sell transaction included multiple tax lots purchased on different acquisition dates within the same holding period and covered/non-covered status. The lots in the transaction are rolled up into a single sell transaction and thus Box lb-Date of Acquisition will be blank. (2) If the cost basis is missing or not provided. a short-term holding period may have been applied for a position that may have been held long term. Box (1c) Type of Gain or Loss Long-term Long-Term Realized Gain or Loss has a holding period greater than one year. Short-term Short-Term Realized Gain or Loss has a holding period of one year or less. "Activity Codes (Not reported to the IRS) C = Cash in Lieu E = Exchange CV = Conversion M = Cash Merger P = Principal MT = Maturity S = Sale T = Tender R = Redemption SS = Short Sale • The cost basis and basis adjustments for covered securities are reported to the IRS. • Gross Proceeds from each of your security transactions are reported individually to the IRS. • Gross Proceeds in aggregate are not reported to the IRS and should not be so reported on your tax return. This is important tax information and is being furnished to the Internal Revenue Service. If you are required to file a return, a negligence penalty or other sanction may be imposed on you if this income is taxable and the IRS determines that it has not been reported. *2014 Charles Schwab 8 Co.. Inc. Al rights resanod. tAambor SIPC. (0114-00IB) Page 9 of 16 EFTA00283311 charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF Account Number S TAX YEAR 2013 YEAR-END SUMMARY YEAR-END SUMMARY INFORMATION IS NOT PROVIDED TO THE IRS. Date Prepared: February 7, 2014 The information in this and all subsequent sections is not provided to the IRS by Charles Schwab. It is provided to you as additional tax reporting information you may need to complete your tax return. INTEREST & DIVIDENDS The information in the following sections may be helpful for. but not limited to. Schedule B. Please consult with your tax advisor or financial advisor regarding specific questions. Detail Information of Dividends and Distributions CUSIP Description Number Paid in 2013 Paid r Adjusted In 2014 for 2013 Amount Ordinary Dividends Non-Qualified Dividends JANUS GLOBAL SELECT T 471023648 SCHWAB BALANCED FUND 808509863 0.00 0.00 $ $ 0.18 563.50 0.18 563.50 Total Non-Qualified Dividends (Included in Box la) Qualified Dividends JANUS GLOBAL SELECT T 471023648 SCHWAB BALANCED FUND 808509863 SCHWAB S&P 500 INDEX FD 808509855 S 0.00 21.49 801.79 109.13 S $ $ $ 563.68 (0.18) (563.50) 0.00 S $ $ $ 563.68 21.31 238.29 109.13 Total Qualified Dividends (Box lb and included in Box la) 932.41 (563.68) S 368.73 Total Ordinary Dividends (Box la) (Total Non-Qualified Dividends, Short-Term Capital Gains and Qualified Dividends) Detail Information of Interest Income $ 932.41 $ 0.00 932.41 CUSIP Description Number Paid in 2013 Paid / Adjusted in 2014 for 2013 Amount Interest Income DEPOSIT INTEREST 0.02 $ 0.00 0.02 Total Interest Income (Included In Box 1) 0.02 $ 0.00 0.02 Total Interest Income (Box 1) 0.02 0.00 0.02 O2014 Charles Schwab 8 Co.. Inc. Al sighls resanod. IA:mbor SIPC. (0114 .001B) Page 10 of 16 EFTA00283312 charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF Account Number TAX YEAR 2013 YEAR-END SUMMARY YEAR-END SUMMARY INFORMATION IS NOT PROVIDED TO THE IRS. Date Prepared: February 7, 2010 The information in this and all subsequent sections is not provided to the IRS by Charles Schwab. It is provided to you as additional tax reporting information you may need to complete your tax return. REALIZED GAIN OR (LOSS) The information in the following sections include all your realized gain or (loss) transactions during the tax year. They may be helpful for, but not limited to, Schedule D. Please consult with your tax advisor or financial advisor regarding specific questions. Long-Term Realized Gain or (Loss) This section is for noncovered securities and corresponds to transactions reported on your 1099•B as"cost basis Is available but not reported to the IRS."Report on Form 8949. Part II. with Box B checked. CUSIP Date of Description Number Quantity/Par Acquisition Date of Sale Total Proceeds Cost Basis Wash Sale Loss Disallowed Realized Gain or (Loss) PNI DIGITAL MEDIA INC F 69351F106 1,000.00 07/24/08 10/01/13 $ 449.54 $ 3,262.45 $ 0.00 $ (2,812.91) Security Subtotal 449.54 $ 3,262.45 S 0.00 $ (2,812.91) Total Long-Term (Cost basis is available but not reported to the IRS) 449.54 $ 3,262.45 S 0.00 (2,812.91) Total Long-Term 449.54 $ 3,262.45 $ 0.00 $ (2,812.91) O 2014 Charles Schwab b Co.. Inc. Al rights reserved. IA:mbor SIPC.401140018) Page 11 of 16 EFTA00283313 charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF Account Number TAX YEAR 2013 YEAR-END SUMMARY YEAR-END SUMMARY INFORMATION IS NOT PROVIDED TO THE IRS. Date Prepared: February 7, 2010 The information in this and all subsequent sections is not provided to the IRS by Charles Schwab. It is provided to you as additional tax reporting information you may need to complete your tax return. Realized Gain or (Loss) Summary Total Realized Gain or (Loss) Description Total Proceeds Cost Basis Wash Sale Loss Disallowed Realized Gain or (Loss) Total Long-Term Realized Gain or (Loss) (Cost basis is available but not reported to the IRS. Report on Form 8949. Part It a4th Box B checked.) $ 449.54 $ 3,262.45 $ 0.00 $ (2,812.91) Total Long-Term Realized Gain or (Loss) 449.54 $ 3,262.45 $ 0.00 $ (2,812.91) TOTAL REALIZED GAIN OR (LOSS) 449.54 $ 3,262.45 $ 0.00 $ (2,812.91) 0 2014 Charles Schwab 8 Co.. Inc. Al rights reserved. 14:mbor SIPC.401144018) Page 12 of 16 sit EFTA00283314 charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF Account Number TAX YEAR 2013 YEAR-END SUMMARY YEAR-END SUMMARY INFORMATION IS NOT PROVIDED TO THE IRS. Date Prepared: February 7, 2014 The information in this and all subsequent sections is not provided to the IRS by Charles Schwab. It is provided to you as additional tax reporting information you may need to complete your tax return. Notes for Your Realized Gain or (Loss) Schwab has provided realized gain and loss information whenever possible for most investments. Cost basis data may be incomplete or unavailable for some of your holdings. See Terms and Conditions. When value for the report is unavailable, it is noted as follows: "Missing" or 'Not Provided" Not Schwab is not providing Cost Basis on this security type . Provided Missing Cost Basis may be missing due to one of the following reasons: • Cost basis data may not be available for a number of reasons (for example, the security was purchased outside of Schwab and we did not receive cost basis from the transferring firm). • The security was purchased more than 10 years ago. Acquisition If the cost basis is missing or not provided, a short-term holding period may have been applied for a position that may have been held long term. Date O2014 Charles Schwab 8 Co.. Inc. Al rights resanod. IA:mbor SIPC. (0114 .001B) Page 13 of 16 Silk: EFTA00283315 charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF Account Number TAX YEAR 2013 FORM 1099 COMPOSITE & YEAR-END SUMMARY COST BASIS DISCLOSURE Changes to Cost Basis Reporting Requirements Starting with the 2011 tax year. Charles Schwab & Co. will begin reporting adjusted cost basis to you and the IRS on your Form 1099-B for covered securities in your taxable brokerage accounts that you sell and that are covered by the new Emergency Economic Stabilization Act regulations. In the event of transfers of securities. we are also required to report adjusted cost basis information to other custodians for covered securities transferred to them. Schwab will treat securities as covered when they are acquired on or after the following effective dates: • January 1. 2011 for stocks and other equities • January 1. 2012 for mutual funds, ETFs. and Dividend Reinvestment Plan ("DRIP") shares • January 1. 2014 for other securities (e.g.. fixed income and options) Because these new reporting requirements could impact the cost basis used to compute your taxable gains and losses, it's important to. understand when and how they will apply to you. The information in this document is intended as informational only and is not individualized tax advice. Schwab does not provide tax advice and encourages you to consult with your tax professional to understand how the new reporting requirements will affect you and your tax situation. What Does This Mean for You 1. When you sell covered securities, as described above. Schwab will be required to report details about your cost basis to you and the IRS on Form 1099-B. You will continue to be responsible for reporting all cost basis information for both covered and uncovered securities to the IRS on your tax returns. 2. Unless you've indicated otherwise, Schwab will calculate your gains and losses using the IRS default cost basis method of Average Cost for mutual funds and FIFO (First In. First Out) for all other securities. It is your responsibility to choose the cost basis method appropriate to your tax situation. See 'Cost Basis Methods" for the methods offered by Schwab. 3. When you sell a security. the cost basis method used to calculate your gain or loss cannot be changed after your trade settles. So it's important to consider the tax implications at the time of trade. What is Cost Basis? Cost basis is the original purchase price you paid for a security plus commissions and any fees. Adjusted test basis includes any other adjustments to the price. Adjusted cost basis also includes any adjustments due to wash sales. amortization. accretion, and corporate actions. Your realized gain/loss on a security is determined by subtracting the adjusted cost basis from the sales proceeds in an account less commissions and fees. For covered securities that were not both purchased and sold at Schwab, Schwab calculates cost basis using data that you have provided to us or that we have Date Prepared: February 7, 2014 obtained from third-party sources such as your prior custodian or another third-party source. Because the accuracy of cost basis data depends upon these third-party in.puts, we are not able to guarantee the availability. accuracy, or completeness of such cost basis data on transactions that did not occur at Schwab. If we are not provided with adequate information to report cost basis data for covered securities that were not both purchased and sold at Schwab. those securities will be considered uncovered and the cost basis will not be reported to the IRS even if acquired after the effective date. Cost Basis Methods It is your responsibility to choose the cost basis method appropriate to your tax situation. Failure to select the proper cost basis method May cause you to pay more tax than necessary. Schwab does not provide lax advice and encourages you to consult with your fax professional regarding this decision. To view and change your default cost basis method on Your brokerage account, go to the Service tab on schwab.com, then the Cost Basis Method page in Account. Settings. You can also make a change by calling 800-435-4000. If your account is managed by an investment advisor, please call your advisor to make a change. Default Cost Basis Methods We apply the IRS default method of Average Cost for your mutual funds and the default method of FIFO (First In, First Out)lo all other securities unless you inform us of a preferred method. FIFO Shares you acquired first are sold first Average Cost Cost is derived by dividing the total dollar amount invested in e particular fund position by the number of shares held prior to the trade date. Shares are removed in FIFO order. Cost Basis Methods Offered by Schwab: You may select a different cost basis method for your brokerage account other than the default methods described above. The following cost basis methods are offered by Schwab: FIFO (First In, First Out) Shares you acquired first are sold first LIFO (Last In, First Out) Shares you acquired last are sold first HCOST (High Cost) Shares with the highest cost are sold first LCOST (Low Cost) Shares with lowest cost are sold first Average Cost (mutual funds only) Specific Identification Cost is derived by dividing the total dollar amount invested in e particular fund position by the number of shares held prior to the trade date. Shares are removed in FIFO order. The IRS allows taxpayers to identify specific lots to be sold. Such identification must be made with the broker at the time of trade and no later than close of business on the day the trade settles. O2014 Charlas Schwab S Co.. Inc. Al tighls resanoct. tAambor SIPC. 10114-00th) Page 14 of 16 SVC EFTA00283316 charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF Account Number COST BASIS DISCLOSURE (continued) Tax Lot Optimizer: Lots are selected and sold with the objective of taking losses first (short term then long-term) and gains last (long-term then short-term). Lots are sold in this order: Short Term Losses Long Term Losses Short Term No Gains or Losses Long Term No Gains or Losses Long Term Gains Short Term Gains Lots that reflect a short term loss are sold first, beginning with lots that generate the greatest short term loss down to the least short term loss Lots that reflect a long term loss are sold. beginning with lots that generate the greatest long term loss down to the least long term loss Short term lots that reflect no gain or loss Long term lots that reflect no gain or loss Lots that reflect a long term gain. beginning with lots that generate the least long term gain up'to the greatest long term gain Lots that reflect a short term gain. beginning with lots that generate the least short term gain up to the greatest short term gain The cost basis method used to determine the gain/loss of a trade cannot be changed after the trade settles. If Schwab does not receive a specific instruction selected nd of settlement date, w default se cost basis cost basis method you have for your account or the cost basis method if you have made no alternate selection to calculate the gainless that is reported to you and the IRS at the end of year. The Internal Revenue Service does not recognize LIFO. HCOST. LCOST and Tax Lot Optimizer as accounting methods. but it doe recognize standing instructions to sell lots as adequate identification for reporting gains/losses. Cost Basis Adjustments Cost basis is generally based on your purchase price plus commissions and any fees: however the original cost basis may be subject to adjustments that increase or decrease your basis. Schwab will adjust the cost basis of securities in your brokerage account in the following circumstances: Wash Sales: If you sell shares at a loss and buy additional shares in the same security 30 days before or after that date (61-day range). you may not claim the loss on your tax return until you sell the new shares. ff a wash sale occurs. the loss is disallowed for federal income tax purposes but may be added to the cost basis of the purchased shares. Schwab will adjust the cost basis and holding period of shares when a wash sale occurs within an account as a result of a purchase of an identical security with the same CUSIP. It'simportant to note that the wash sale reporting requirements for you as a taxpayer are different and broader than the reporting requirements for Schwab. For more details on your wash sale reporting requirertenta please see IRS publication 550 or speak with your tax professional. TAX YEAR 2013 FORM 1099 COMPOSITE & YEAR-END SUMMARY Date Prepared: February 7, 2014 Corporate Actions: In some instances corporate actions can affect cost basis of your securities. Regulations require issuers to provide statements describing the effects of a corporate action on the cost basis of a security. Schwab will adjust cost basis for corporate actions based on the information provided in the issuer statement. Amortization/Accretion: Year-to-Date Amortization and Accretion is provided only for bonds sold in your account or held on 12/31. If you purchased a bond at par or transferred the security out of the account before year-end. no amount will be displayed. In some cases. such as when an account is transferred, Life-to-Date amortization values may be displayed. The amortization/accretion amount displayed on bonds you sold is calculated through the trade date of the sale. Return of Capital Payments: Cost basis will be reduced for any return of capital (principal) distributiont. Option Adjustments: Schwab will adjust the cost basis or realized gain/loss (proceeds) of the underlying security for option assignments and exercises (by factoring the premium paid or received). Inheritance: Schwab will adjust the cost basis of securities that have been inherited based on the fair market value on the date of death unless alternate instructions are received from an authorized representative of the estate. Gifts: Shares will be gifted based on your default cost basis method unless otherwise specified with a given purchase date and cost prior to the gift transfer. Schwab will track the fair market value and gift date in addition to the donor's adjusted cost basis and will apply IRS gift rules at the time of sale to determine gain or toss. You will still be required to track and make adjustments to your securities as it is possible that you could have other situations that require cost basis adjustments that Schwab is not required to report. Restricted Stock Awards: If you filed an election pursuant to IRC Section 83(b) on a Restricted Stock Award issued by your employer, a different cost basis may apply to shares vested from that award than the cost basis reported on this statement. Please consult with your personal tax advisor to understand the tax implications. Acquisition date: If cost basis is missing or not provided, a short-term holding period may have applied for position that may have been held long term. Please Note: This information is not intended to be a substitute for specific individualized tax. legal or investment planning advice. Where specific advice is ry necessa or appropriate. Schwab recommends consulting with a qualified tax advisor. CPA. financial planner or investment manager. Except as noted in the Terms and Conditions. your Investment Advisors are not affiliated with. or supervised by Schwab. Foreign Investors should note that the information provided is from a U.S. tax perspective. The information provided may or may not have relevance in other jurisdictions. Contact Us If you have any questions or need more information about the cost basis methods or terminology in this Disclosure Statement, please call us at 1-800-435-4000. If your account is managed by an investment advisor, please call Schwab Alliance at 1-800-515-2157. S11k O2014 Charlas Schwab 8 Co.. Inc. Al rights resanoct. tAambor SIPC. (0114-0018) Page 15 of 16 EFTA00283317 charles SCHWAB Schwab One® Account of LESLEY KATHERINE GROFF TERMS AND CONDITIONS GENERAL INFORMATION Form 1099 Composite. For U.S. taxpayers. the information reported to you on Form 1099 is given to the Internal Revenue Service (IRS). Form 1099 Composite is comprised of the following substitute forms: 1099-DIV. 1099-INT, 1099-MISC. 1099-OID, and 1099-B. The form(s) you receive in Form 1099 Composite depends on the income reportable to the IRS. Year-End Summary The information in the Year-End Summary is provided to you as a courtesy, should you need additional information when completing your tax return. When relevant, IRS box numbers are referenced to indicate individual items that make up the totals appearing on your Form(s)1099. With the exception of the totals reported in the IRS box numbers referenced. Charles Schwab does not provide the details of the Year- End Summary to the IRS. We recommend that all customers consult their investment and tax advisors prior to using this information. Corrected Form 1099 and Year-End Summary We are required to send you a corrected form with the revisions clearly marked when we receive updates or revisions to information contained in the form. This generally occurs if one or more of the issuers of the securities in your account reallotated certain income distribution (e.g., dividends or capital gains) after we mailed our original Form 1099. As a result, the supplemental information in Year-End Summary may be updated. Upon receiving the corrected form, you may want to consider filing an amended return based on the changes in your taxable income as reported On your corrected Form 1099.. We suggest that you consult with a qualified tax advisor, CPA, financial planner. or investment manager before you proceed. Duplicate Form 1099 and Year-End Summary If you request a duplicate Form 1099. please b€ aware that Schwab uses the most op-to-date information available at the time of the production. Thus, your duplicate Form 1099 and Year-End Summary may have more up-to-date information than the original Form 1099. Realized Gain or (Loss) in Year-End Summary Realized Gain or (Loss) section provides information for all your realized gain or (loss) transactions during the tax year. It contains all transactions included in the Form 1099-B as well as transactions that are not reported on Form 1099-B (for example: sales and expirations of option activities. cash in lieu under $20. negative or zero proceed sales, bankruptcy, and worthless securities). This supplemental information is believed to be accurate as of the date the data was compiled but they may not be updated for any corrections after the data was initially compiled. Account Number TAX YEAR 2013 FORM 1099 COMPOSITE & YEAR-END SUMMARY Date Prepared: February 7, 2014 IN CASE OF OUESTIONS: If you have questions about this report or about specific Schwab accounts or Schwab One® transactions (other than wire transfers or check transactions). contact Schwab at 1-800-435-4000. If you have a complaint regarding your Schwab statement or our products or services. please write to the Client- Advocacy Team at Charles Schwab & Co.. Inc.. Attention: Client Advocacy Team, 211 Main St., San Francisco. CA 94105. Outside of the U.S.. call +1-415-667-5009. O2014 Charlas Schwab S Co.. Inc. Al nghis resanoct. IA:mbor SIPC. (0114-001B) Page 16 of 16 Silk EFTA00283318