Security & Risks Disclosures

Homepage & Why optionsXpress?

1 Barrons, March 12, 2012, 17th annual survey, Rating Online Brokers. optionsXpress awarded 4.0 stars out of 5 in overall ratings. Overall ratings based on Trade Experience, Usability, Range of Offerings, Research Amenities, Portfolio Analysis & Report, Customer Service & Education, Costs and Mobile. optionsXpress rated 4+ stars 2002-2012. Barron’s is a registered trademark of Dow Jones & Company, Inc. 2012. 2 Average wait time of less than 12 seconds in January 2010 based on internal stored data.

Educational Videos

www.optionsxpress.com/welcome/risks/cont_trail.aspx 3 Streaming quotes are only provided to non-professional customers who accept the exchange streaming quote agreement.  Customer must qualify as a non-professional subscriber in accordance with NASDAQ, NYSE and OPRA regulations.

Tools & Research

OX Mobile Disclosures optionsXpress is not liable for connectivity issues with your mobile service provider. Contact your mobile service provider regarding connectivity and functionality issues. Mobile service provider internet usage costs may apply. optionsXpress mobile application download for BlackBerry software is offered through RIM Wireless Handheld, and for iPhone and iPod Touch users through Apple Inc. optionsXpress mobile application is supported by other mobile devices through Windows Mobile, RIM Wireless Handheld, Samsung, and Apple Inc. pursuant to the terms and conditions of their respective standard software license agreement. BlackBerry . iPhone, Samsung, AT&T, LG Mobile and Windows Mobile device logos, services, products, and trademarks are the exclusive property and of their respective owners. Streaming quotes available to non-professional customers accepting the exchange streaming quote agreement in accordance with NASDAQ. NYSE and OPRA regulations. General Tool Center Disclosures Multi-leg option strategies are subject to multiple commissions. Profits may be eroded by the commission expended to open and close the positions and other risks apply. Advanced orders involve additional risks. Company names, photos, products, services and branding related to mobile devices and related software may be service marks or registered trademarks (Marks) of their respective owners, which owners retain all legal rights. Use of the mobile devices and related software is subject to the respective provider’s terms and conditions or standard software license agreement. The use of these Marks is not a representation that the optionsXpress is affiliated with, sponsors, endorses, is sponsored by, endorsed by, or affiliated with the mobile device, related software or Mark owners. optionsXpress makes no investment recommendations and does not provide financial, tax or legal advice. Content and tools are provided for educational and informational purposes only. Any stock, options, or futures symbol displayed are for illustrative purposes only and are not intended to portray a recommendation to buy or sell a particular security. 1 Walk Limit NBBO (National Best Bid/Offer) Spread Quote reflects the best quotes printed from participating exchanges on each leg of the spread combined. For a long leg, the NBBO single leg ask quote is used, while short leg quotes use the NBBO bid quote to combine for a synthetic NBBO combination trade quote. Please note that there are no spread markets in securities that are subject to benchmarks such as time and sales or NBBO and therefore the market cannot be held to a price. There are risks associated with trading spreads. Multi-leg option strategies may also be subject to multiple commissions. Profits may be eroded by the commission expended to open and close the positions and other risks apply. Please read Spread Risk Disclosure. Execution is not guaranteed with a Walk Limit orderparticularly in a fast moving market which may result in no executed transaction. Walk Limit orders will only be accepted during the hours of 9:35 AM ET and 3:55 PM ET on official market trading days. and will not be applied to extended hours trading. There are risks associated with using advanced orders that you should understand. Learn more 2 Idea Hub Idea Hub helps the self-directed investor explore new trading ideas that are based on pre-set screening criteria. Please note that Idea Hub does not consider open orders, existing positions, or other factors, and is solely intended for educational and informational purposes. Examples within the Idea Hub are not intended as recommendations to buy or sell any particular security or implement any particular strategy and users of the Idea Hub should not make investment decisions based solely upon ideas generated by it. You are solely responsible for your investment decisions, and should carefully evaluate the examples to determine whether they are right for you based on your personal situation. optionsXpress does not make investment recommendations, provide financial, tax or legal advice. 3 All-In-One Ticket Barron’s, March 12, 2012, 17th annual survey, Rating Online Brokers. optionsXpress awarded 4.0 stars out of 5 in overall ratings. Overall ratings based on Trade Experience, Usability, Range of Offerings, Research Amenities, Portfolio Analysis & Report, Customer Service & Education, Costs and Mobile. optionsXpress rated 4+ stars 2002-2012. Barron’s is a registered trademark of Dow Jones & Company, Inc. 2012. 4 oXSocial oXSocial is a destination that allows customers to share ideas, opinions and information on a wide variety of topics. The firm and its personnel will not communicate to customers through oXSocial. Any third-party content including Insights, Predictions, Blogs, Notes, Forum Posts and Comments does not reflect the views of optionsXpress, Inc. and may not have been reviewed by optionsXpress, Inc. Testimonials may not be representative of the experience of other clients and are not indicative of future performance or success. No consideration was paid for any testimonials displayed. Any information accessed through oXSocial does not constitute a recommendation to buy or sell a particular investment from optionsXpress. You are solely responsible for your investment decisions, and you should carefully evaluate any potential trading opportunity to determine whether it is right for you and suitable for your objectives. optionsXpress, Inc. makes no investment recommendations and does not provide financial, tax or legal advice.

Pricing & Commissions

1 Barrons, March 12, 2012, 17th annual survey, Rating Online Brokers. optionsXpress awarded 4.0 stars out of 5 in overall ratings. Overall ratings based on Trade Experience, Usability, Range of Offerings, Research Amenities, Portfolio Analysis & Report, Customer Service & Education, Costs and Mobile. optionsXpress rated 4+ stars 2002-2012. Barron’s is a registered trademark of Dow Jones & Company, Inc. 2012. 2 Kiplinger’s Personal Finance, February 2011, The Best of the Online Brokers. optionsXpress awarded 5 out of 5 stars on costs. Kiplinger’s is a trademark of The Kiplinger Washington Editors, Inc. 2011. 3 Competitor prices are based on basic services and were obtained on 1/1/2013 and are believed to be accurate but not guaranteed. Some of the above firms may offer reduced commissions or waive fees, including but not limited to inactivity or maintenance fees or provide additional services, if certain account activity and/or account balance criteria are met. 4 Qualified active option trader customers must maintain 35 or more option trades per quarter to maintain the active option trader rate of $1.25 per contract or $12.95 minimum. Active trader rates are not available for Xecute services. Active trader rates are not retroactive. Customer must meet and continue meeting above requirements, and apply to receive active trader rates. 5* Restrictions apply. The $3.50/contract pricing applies to U.S. customers only. The $3.50/contract rate is effective February 9, 2013 and will not be applied retroactively. Commissions rates depicted above are quoted on a per-contract, per-side basis. Pricing does not include customary NFA and exchange fees. Additional fees may apply at some foreign exchanges. Additional market data fees may apply at some futures exchanges. 6 The commission is calculated by counting the total number of contracts across all legs. The charge is $1.50 per contract, with a minimum commission of $14.95. 7 Base Rate is a variable rate currently at 4.00%. 8 Funds will be swept into Deposit Accounts at up to eleven (11) Banks, they will be eligible for at least $2.5 million in coverage (or $5.0 million in the case of a joint account), subject to applicable limitations. Funds in the Deposit Accounts at each Bank are eligible for deposit insurance by FDIC up to a total of $250,000 principal and accrued interest per depositor in most insurable capacities (e.g. individual, joint, etc.) when aggregated with all other deposits held in the same insurable capacity at a Bank. For example, funds in the Deposit Accounts at a Bank held by an individual are insured up to $250,000, and funds in the Deposit Accounts at a Bank held jointly by two or more individuals are insured up to $250,000 per joint owner ($500,000 per account). 9 Restrictions apply: The $8.95 flat commission applies U.S. customers only. The $8.95 flat commission does not apply to foreign stock transactions, large block transactions requiring special handling, employer-negotiated commission schedules applicable to equity compensation transactions, or restricted stock transactions. Foreign ordinary shares that trade online in the U.S. over-the-counter (OTC) market and do not settle in the U.S. will have a $50 foreign transaction fee added to the cost of the transaction. Employee equity compensation transactions are subject to separate commission schedules. The $8.95 flat commission rate is not retroactive. 10 Streaming quotes are only provided to non-professional customers who accept the exchange streaming quote agreement. Customer must qualify as a non-professional subscriber in accordance with NASDAQ, NYSE and OPRA regulations. 12 TD Ameritrade Forex pricing varies by currency pairs. Non-commission currency pairs trade in increments of 10,000 units. There are no additional fees or charges. Commission currency pairs trade in increments of 1,000 and are subject to a fixed-commission structure based in counter currency units.

Margin Guidelines

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Brokerage Products: Not FDIC Insured No Bank Guarantee May Lose Value

optionsXpress, Inc. makes no investment recommendations and does not provide financial, tax or legal advice. Content and tools are provided for educational and informational purposes only. Any stock, options, futures, or forex symbols displayed are for illustrative purposes only and are not intended to portray a recommendation to buy or sell a particular security. Products and services intended for U.S. customers and may not be available or offered in other jurisdictions.

Online trading has inherent risk. System response and access times may vary due to market conditions, system performance, volume and other factors. Options and futures involve risk and are not suitable for all investors. Please read Characteristics and Risks of Standardized Options and Risk Disclosure Statement for Futures and Options on our website, prior to applying for an account, also available by calling 888.280.8020 or 312.629.5455. An investor should understand these and additional risks before trading.

optionsXpress is an Introducing Broker to Forex Capital Markets, LLC (FXCM), which will hold your Forex account and the respective funds and will act as the counterparty to your Forex trades. FXCM is not affiliated with optionsXpress or its affiliates.

Charles Schwab & Co. Inc. optionsXpress, Inc. and Charles Schwab Bank are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products are offered by Charles Schwab & Co. Inc. (Member SIPC ) (Schwab) and optionsXpress, Inc. (Member SIPC ) (optionsXpress). Deposit and lending products and services are offered by Charles Schwab Bank, Member FDIC and an Equal Housing Lender (Schwab Bank).

2015 optionsXpress, Inc. All rights reserved. Member SIPC .