A $0 commission does not apply to over-the-counter (OTC) equities, transaction-fee mutual funds, futures, fixed-income investments, or trades placed directly on a foreign exchange or in the Canadian market. Successful virtual trading during one time period does not guarantee successful investing of actual funds during a later time period, as market conditions change continuously. The paperMoney software application is for educational purposes only. Please read the options disclosure document titled "Characteristics and Risks of Standardized Options." Supporting documentation for any claims or statistical information is available upon request. Certain requirements must be met to trade options through Schwab. Options are not suitable for all investors as the special risks inherent to options trading may expose investors to potentially rapid and substantial losses. **Additional Disclosures** * Environmental, Social and Governance (ESG) Investing: Access to electronic services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. * Bond Funds, Bond ETFs, and Preferred Securities * ADRs, Foreign Ordinaries & Canadian Stocks * Environmental, Social and Governance (ESG) ETFs * Environmental, Social and Governance (ESG) Mutual Funds * Benefits and Considerations of Mutual Funds Note: I corrected minor errors in grammar, punctuation, and formatting to make the text more readable. I also added headings to separate sections and improve organization.
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