Schwab Mobile vs FireLight eApp™

Invest, research, bank, trade, and more—all in one app. In addition to investing and trading stocks, options, exchange-traded funds (ETFs), and mutual funds, Schwab Mobile gives you the power to move your money, track your portfolio, deposit checks, and manage your financial life wherever you go. Why choose Schwab Mobile? · See all your accounts in one place: both Schwab and external accounts. · Transfer funds easily with mobile check deposit and account linking. · Trade intuitively with a Trade Ticket that populates relevant data as you build your order. · $0 online commissions on listed stock, ETF, and options trades (plus $0.65 per contract for options). · Get real-time quotes, breaking news, and advanced market insights. · Build watchlists, track trends, and customize your app experience. · Access expert content, including videos, podcasts, and articles. · Secure, fast login with fingerprint, Face ID, or passcode. Download the app or learn more at schwab.com/mobile. Investment and Insurance Products: Not a Deposit • Not FDIC Insured • Not Insured by any Federal Government Agency • No Bank Guarantee • May Lose Value Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. Apple, the Apple logo, iPad, iPhone, and Apple Podcasts are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Schwab Mobile requires a wireless signal or mobile connection. System availability and response times are subject to market conditions and your mobile connection limitations. Functionality may vary by operating system and/or device. Schwab Mobile Deposit service is subject to certain eligibility requirements, limitations, and other conditions. Enrollment is not guaranteed and standard hold policies apply. Mobile carrier data charges may apply. (http://content.schwab.com/mobile/mobile-deposit.html) Standard online $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. Options trades will be subject to the standard $0.65 per-contract fee. Service charges apply for trades placed through a broker ($25) or by automated phone ($5). Industry fees, ADR, and Stock Borrow fees still apply. See the Charles Schwab Pricing Guide for Individual Investors for additional details. (https://www.schwab.com/legal/schwab-pricing-guide-for-individualinvestors) Options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options through Schwab. Please read the Options Disclosure Document titled "Characteristics and Risks of Standardized Options" before considering any option transaction. Call Schwab at 1-800-435-4000 for a current copy © 2026 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. (0726-JB6G)

As an advisor, it is key to be able to capture business anytime, anywhere, no matter if you’re selling Annuities, Life, Long Term Care or Mutual Funds products. FireLight® is an electronic application platform that simplifies the application process, providing advisors a step-by-step guided process to gather all required form information to be submitted to the carrier. The FireLight eApp by Insurance Technologies provides advisors immediate and secure account access to capture client data on up-to-date carrier applications as well as client signatures, expediting the sales application process. Features: • Easy check out, check in application package process • Required data field display • Real-time form completion display • Signature capture • Application history tracking How the FireLight eApp works: 1. Check out an existing application from the FireLight web portal. 2. Complete data entry and capture client signature. 3. Check in the application to the FireLight web portal to submit for final processing. A network connection is needed to check out and check in an application, but once the application is checked out, all data entry and signatures can be done offline. While an application is checked out all data is stored securely. This app can only be activated by authorized FireLight users whose firm or carriers are a licensed FireLight client with Insurance Technologies. To submit applications electronically using the FireLight eApp obtain an access pin from your FireLight web access or speak with your home office to determine if your firm is a licensed FireLight client. To start using the FireLight eApp: 1. Log in to your FireLight web portal with existing credentials. 2. Go to My Preferences. 3. Under Mobile Access, click Add New Device. 4. An Access Pin will be provided. 5. Enter the Access Pin and Create a Device Name (e.g., Work iPad) to activate FireLight eApp (you will only be required to enter the Access Pin during initial setup of the app).