EFTA00314642.pdf

charles SCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST IRA CONTRIBUTORY Account Number Statement Period 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 call us today to learn more about how to receive statements only when your account has activity. Also visit www.schwab.com/premiumstatement to explore the features and benefits of this statement. Your Consultant Anamika Madan VP - ultant tel: email: Customer Service and Account Information Customer Service and Trading: Call ou Representative Bank Inquiries: Schwab by Phone TV ices: TeleBroker®: Visit Our Web Site: schwab.com Cost Basis Updates: To provide updates for incomplete cost basis information, please visit schwab.com/gainloss Market Monitor Rates Value Adv Money Fd SWVXX Sch Investor Money Fund Deposit Accounts: Interest Rate as of 03/31z Yield 0.01% 0.01% 0.01% Year To Date Indices Change Dow Jones Industrial Average -0.72% Standard & Poors 500 Index® 1.30% Schwab 1000 Index® 1.48% NASDAQ Composite Index 0.54% Page 1 of 10 03'31.0000PTrll3001-l14639'2 EFTA00314642 charles SCHWAB Terms and Conditions Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST IRA CONTRIBUTORY Account Number Statement Period March 1-31, 2014 GENERAL INFORMATION AND KEY TERMS: All references to "Schwab' in this document refer to the broker-dealer Charles Schwab & Co.. Inc. Unless otherwise defined herein. capitalized terms have the same meanings as ri your Account Agreement. If you receive any other communication from any soiree other than Schwab which purports to represent your holdings at Schwab (including balances held at a Depository Institution) you should verify its content with this statement. Securities. products. and services are not available in al countries and are subject to country specific restrictions. A1P (Automatic Investment Plan) Customers: Schwab receives remuneration in connection with certain transactions effected through Schwab. If you pa 'cipate in a systematic investment program through Schwab. the additionat information normally detailed on a trade confirmation will be provided upon request. Average Daily Balance: Average daily composite of all cash balances that earn interest and all loans from Schwab that are charged interest. Bank Sweep Feature: Schwab acts as your agent and custodian in establishing and maintathing your Bank Sweep feature as a Schwab Cash Feature for your brokerage account. Deposit accounts held through the Bank Sweep feature constitute eked obligations of Charles Schwab Bank and are not obligations of Schwab. Deposit accounts are insured by the FDIC within applicable limits. The balance ru the bank deposit accounts can be withdrawn on your order and the proceeds returned to your securities account or remitted to you as provided in your Account Agreement. For information on FDIC insurance and its knits. as well as other important disclosures about the Bank Sweep feature. please refer to the Cash Feabses Disclosure Statement available online or from a Schwab representative. Insured Bank Network ("Bank Network") Feature: Schwab acts as your agent and custodian in establishing and maintaining your Insured Bank Network feature as a Schwab Cash Feature for your brokerage account. Deposit accounts held through the Insured Bar* Network feature constitute direct obligations of a participating Depository Institution and are not obligations of Schwab. Insured Bank Network deposit accounts are insured by the FDIC within applicable limits. The balance in the bank deposit accounts can be withdrawn on your order and the proceeds returned to your securities account or remitted to you as provided II your Account Agreement. For thformation on FDIC insurance and its knits. as well as other important disclosures about the Insured Bank Network feature, please refer to the Cash Features Disclosure Statement available ovine or from a Schwab representative. Cash: Any Free Credit Balance owed by us to you payable upon demand which. although accounted for on our books of record. is not segregated and may be used in the conduct of this firm's business. Dividend Reinvestment Customers: Dividend reinvestment transactions were effected by Schwab actthg as a principal for its own account. except for the reinvestment of Schwab dividends. for which an independent broker-dealer wed as the buying agent. The tine of these transactions. the exchange upon which these transactions occurred and the name of the person from whom the security was purchased nil be furnished upon written request. Estimated Annual Income: Derived from information provided by out- side parties. Schwab cannot guarantee the accuracy of such information. Since the interest and dividends ere subject to change at any time, they should not be relied upon exclusively for making investment decisions. Fees and Charges: For those fees deserted in the statement as "Fee to Advisor." as authorized by you. Schwab debited your Account to pay the fees as thstructed by your Advisor. II is your responsibility. and not Schwab's. to verify the accuracy of the fees. Margin interest charged to your Account during the statement period is included it this section of the statement. Interest: For the Schwab One Interest feature. the Bank Sweep feature. and the Insured Bank Network feature. interest is paid for a period that differs from the Statement Period. Balances include interest pad as indicated on your statement by Schwab. Charles Schwab Bank. or a Depository Institution participating in the Insured Bank Network. These balances do not include interest that may have accrued during the Statement Period after :Merest is paid. The interest paid may include interest that accrued in the prior Statement Period. For the Schwab One Interest feature. interest accrues day from the second-to-last business day of the prior month and is posted on the second-to-last business day of the current month. For the Bank Sweep feature, interest accrues daily from the 16th day of the prior month and is creditedposted on the first business day after the 15th of the current month. For the Insured Bank Network feature. interest accrues day from the 16th of the prior month and is generally credited/posted on the 15th of the current month. If the 15th of the month falls on a non-business day. the interest amount payable through the 15th of the month is generally paid on the last business day prior to the 15th. However. there may be certain events that trigger the posting of interest earlier in the interest period Events that could trigger an earlier interest posting include the closure of your deposit accounts at a Depository Institution or the rebalancing of funds between your MMDA and transaction account at a Depository Institution. These events are referred to as "lAid-Cycle Interest" on your account statement. The interest period for Mid-Cycle Interest payments will be from the 16th of the prior month. or the date the account(s) were established il after the 16th of the prior month, until the date posted on yam account statement. For more information. about Mid-Cycle Interest payments please refer to your Cash Features Disclosure If. on any given day. the interest that Schwab calculates for the Free Credit Balances in the Schwab One Interest feature in your brokerage account is less than $.005. you will not accrue any interest on that day. For balances held at Charles Schwab Bank in the Bank Sweep feature or at a Der sitory Institution participating in the Insured Bank Network. interest accnm even d the amount is less than $.005. Latest Price/Price (Investment Detail Section Only): The most recent price evaluation available on the last business day of the statement period. normally the last trade price or bid. Unpiced securities denote that no mar- ket evaluation update is currently available. Price evaluations are obtained from outside parties. Schwab shall have no responsiblity for the accuracy or timeliness of any such valuations. Pricing of assets not held at Schwab is for informationalprposes only. Some securities, especially thinly traded equities in the OTC market or foreign markets, may not report the most current price and are indicated as Stale Priced. For Limited Partnerships and Real Estate Investment Trust (REIT) securities, you may see that the value reflected on your periodic statement for this securityis unpnced. NASD rules require that certain Limited ships (direct participation programs) and REIT securities. that have not been priced within t8 months. must show as unpriced on customer statements. Note that these securities are generally illiquid, the value of the securities wit be different than its purchase price: if applicable. that accurate valuation information may not be available. Margin Account Customers: This is a combined statement of your margin account and special memorandum account maintained for you under Section 220.5 of Regulation T issued by the Board of Governors of the Federal Reserve System. The permanent record of the separate account as required by Regulation T is available for your inspection. Securities purchased on margin are Schwab's collateral for the loan to you. It is im- portant that you fury understand the risks involved in trading securities on margin. These risks include: 1) You can lose more hods than you deposit in the margin account. 2) Schwab can force the sale of securities or other assets in any of your accounts) to maintain the required account equity without contactig you. 3) You are not entitled to choose which assets are liquidated nor are you entitled to an extension of time on a margin call. 0) Schwab can thaease its 'house' maintenance margin requiernents at any tine without advance written notice to you. Non-Publicly Traded Securities: All assets shown on this statement. other than certain direct investments which may be held by a third party. are held in your Account. Values of certain Non-Publicly Traded Securities may be furnished by a third party as provided in Schwab's Account Agreement. Schwab shall have no responsibility for the accuracy or timeliness of such valuations. The Securities Investor Protection Corporation (SIPC) does not cover many limited partnership interests. Option Customers: Be aware of the following: 1) Commissions and other charges related to the execution of option transactions have been included in confirmations of such transactions previously furnished to you and will be made available promptly upon request 2) You should advise us promptly of any material changes in your investment objectives or financial situation 3) Exercise assignment notices for the option contracts are allocated among customer short positions by an automated procedure which randomly selects from among all customer short option positions those contracts which are subject to exercise. thcluding positions established on the day of assignment. 0) Realized gainAoss of underlying securities is adjusted to reflect the premiums of assigned or exercised options. Please consult your tax advisor or IRS publication 560. Investment Income and Expenses. for add bonal information on Options. Schwab Sweep Money Funds: Includes the primary money market funds into which Free Credit Balances may be automatically retested pursuant to your Account Agreement. Schwab or an affiliate acts and receives com- pensation as the Investment Advisor. Transfer Agent, Shareholder Service Agent ce t of such compensation is disclosed in the prospectur the yiekl information for Schwab Sweep Money Funds is the current 7-clay yield as of the statement period. Yields vary. Schwab and the Schwab Sweep Money Funds invest- ment advisor may be voluntarily reducing a portion of a Schwab Sweep Mon- ey Fund's expenses. Without these reductions, yields would have been lower. The shares of the money market mutual fund can be liquidated on your order and the proceeds returned to your securities account or remitted to you as provided in your Account Agreement and the applicable prospectus. Securities Products and Services: Securities products and services are offered by Charles Schwab & Co.. Inc.. Member SIPC. Securities products and services, including unswept intraday funds and net credit balances held in brokerage accounts are not guaranteed deposits or obligations of Charles Schwab Bank or a Depository Insblutionts) participating in the Insured Bank Network. m.td are subjectto investment risk. are not Page 2 of 10 SIP( EFTA00314643 charles SCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST IRA CONTRIBUTORY Terms and Conditions (continued) Account Number Statement Period March 1-31, 2014 FDIC insured. may lose value. and are not bank guaranteed. SIPC does not cover balances held al Charles Schwab Bank in the Bank Sweep feature or at a Depository Institution(s) participating in the Insured Bank Network feature. Short Positions: Securities sold shorl wil be identified though an in Investment Detail. The market value of these &cosines will be expressed as a debit and be netted against any long positions in Total Account Value. Depository Institution: A Member FDIC depository institution participating in the Insured Bank Network that has entered into a deposit agreement with Schwab. at which nterest.tearing deposit 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 Services Agent for the Government Money Fund. Schwab or an affiliate is compensated by the Sweep Funds for acting in each of these capacities other than as Distributor. The amount of such compensation is disclosed in the prospectus. Additional information will be provided upon written request. A financial statement for your inspection is available al Schwab's offices or a copy will be mailed to you upon written request. Any third party trademarks appearing herein are the property of their respective owners. (1113-7022) Page 3 of 10 EFTA00314644 charles SCHWAB Change in Account Value Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST IRA CONTRIBUTORY This Period Year to Date Account Number Statement Period March 1-31, 2014 Account Value ($) Over Last 12 Months [in Thousands] Starting Value Cash Value of Purchases & Sales Investments Purchased/Sold Deposits & Withdrawals Dividends & Interest z Fees & Charges Transfers Income Reinvested Change in Value of Investments Ending Value on 03/31/2014 Accrued Income° Ending Value with Accrued Income Total Change in Account Value: Including Deposits and Withdrawals Including Deposits, Withdrawals. and skinfignigNifid Asset Composition Market Value % of Account Assets Deposit Accountsx $ 11.234.68 4% Equities 60.311.32 19% Equity Funds 248.392.43 78% Total Assets Long S 319,938.43 S 318,727.36 (72.16) 72.16 0.00 72.22 0.00 0.00 (72.16) 1.211.01 S 319,938.43 39.60 S 319,978.03 S 306,866.73 (408.66) 360 408.66 300 11.000.00 240 448.32 160 0.00 120 0.00 60 (408.66) 2.032.04 S 319,938.43 4/13 &13 6/13 7/13 8/13 fe/13 10113 11113 12,13 1114 2/14 3/14 Overview I I 4% Deposit Accounts (KZ] 19% Equities 78% Equity Funds B Gain or (Loss) Summary Gain or (Loss) on Investments Sold This Period $0.00 Unrealized Gain or (Loss) All Investments $60.621.72' Values may not reflect all of your gainsilosses. Account Notes • Accrued Dividend is $39.60 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 charles SCHWAB Income Summary Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST IRA CONTRIBUTORY This Period Account Number Year To Date Deposit Accounts Interest Cash Dividends Total Capital Gains Investment Detail - Deposit Accounts 0.06 72.16 0.00 0.06 166.71 281.55 Statement Period March 1-31, 2014 Deposit Accounts Market Value % of Account Assets Deposit Accounts X2 Investment Detail - Equities 11,234.68 4% Equities Quantity Market Price Market Value Cost Basis % of Account Assets Unrealized Gain or (Loss) Estimated Yield Estimated Annual Income 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 charles SCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST IRA CONTRIBUTORY Investment Detail - Equities (continued) Account Number Statement Period March 1-31, 2014 Equities (continued) % of Account Unrealized Estimated Estimated Quantity Market Price Market Value Assets Gain or (Loss) Yield Annual income Cost Basis STARBUCKS CORP • SYMBOL: SBUX 212.0894 73.3800 15,563.12 5% 6,964.82 8,598.30 1.41% 220.57 Total Accrued Dividend for Equities: 39.60 Estimated Annual Income (TAP:land Estimated Yield (EY, calculations are for informational purposes 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 of principal or capital gains in which case EA1 and EY would be overstated. EY and EA1 are 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 Equity Funds Quantity Market Price Market Value % Account Assets Average Cost Basis Cost Basis Unrealized 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 charles SCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST Account Number Statement Period IRA CONTRIBUTORY Investment Detail - Mutual Funds (continued) March 1-31, 2014 Equity Funds (continued) Quantity Market Price Market Value % of Account Assets Average Unrealized 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.' 69,622.40' 39,488.941 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 charles SCHWAB 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 charles SCHWAB Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST IRA CONTRIBUTORY Charles Schwab Bank Deposit Accounts Activity Account Number Statement Period March 1-31, 2014 Transaction Date Transaction Description Withdrawal Deposit Balancex2 03/15/14 Interest Paidx2 BANK INTEREST 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 0.06 11,234.68 Transaction Quantity Payable Date Rate per Share Share Distribution Cash Distribution GOOGLE INC CLASS A Spin-Off Dist GENERAL ELECTRIC COMPANY Spin-Off Qualified Dividend 10.0000 0.0000 180.0000 04/02/14 N/A 04/25/14 1.0000 0.0000 0.2200 10.0000 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 charles SCHWAB Endnotes For Your Account Contributory IRA of LESLEY KATHERINE GROFF CHARLES SCHWAB & CO INC CUST Account Number Statement Period IRA CONTRIBUTORY March 1-31, 2014 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