Its broker-dealer subsidiary, Charles Schwab & Co., Inc. , offers funding companies and merchandise, together with Schwab brokerage accounts. Its banking subsidiary, Charles Schwab Bank, SSB , supplies deposit and lending companies and products. Access to Electronic Services may be restricted or unavailable during times of peak demand, market volatility, methods upgrade, maintenance, or for different reasons. Investment returns will fluctuate and are subject to market volatility, in order that an investor’s shares, when redeemed or sold, may be worth kind of than their unique value. Shares of ETFs usually are not individually redeemable directly with the ETF. Shares of ETFs are purchased and sold at market value, which may be higher or decrease than the web asset value .