Employer`s Agreement

Important Instructions for Completing This Form
Schwab.com | 1-800-435-4000 (inside the U.S.) | +1-415-667-8400 (outside the U.S.) | 1-888-686-6916 (multilingual services)
•Please complete this form, sign it, and return it to Schwab. You can either complete it online or
print a copy and fill it out by hand.
•If you are opening a new account, be sure to enclose any accompanying materials (e.g., new
account documents or a check for an initial deposit) when you return the form.
•If you have any questions, call us at 1-800-435-4000.
Return Instructions
Return the signed, completed form to your nearest Schwab branch (visit schwab.com/branch for
locations) or mail it to any of the following addresses:
Regular Mail
Charles Schwab & Co., Inc.
Attn: IS Document Control
P.O. Box 982600
El Paso, TX 79998-2600
Overnight Mail
Charles Schwab & Co., Inc.
Attn: IS Document Control
1945 Northwestern Drive
El Paso, TX 79912
Regular Mail
Charles Schwab & Co., Inc.
Attn: IS Document Control
P.O. Box 628291
Orlando, FL 32862-8291
©2015 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
CC0012384 (0615-4165) ELC37185-04 (05/15)
Overnight Mail
Charles Schwab & Co., Inc.
Attn: IS Document Control
1958 Summit Park Dr., Ste. 200
Orlando, FL 32810
SEP-IRA Employer’s Agreement With Schwab
(Includes Self-Employed Individuals)
Page 1 of 3
www.schwab.com | 1-800-435-4000 (inside the U.S.) | +1-415-667-5009 (outside the U.S.) | 1-888-686-6916 (multilingual services)
Read, complete, sign and return this form with your Adoption Agreement (or IRS Form 5305-SEP).
Keep a copy for your files.
1. Employer Information:
Business Name of Employer*
Employer’s Federal Tax Identification Number (EIN)
Contact Name of Plan Administrator
Business Telephone Number
(
Business Street Address (no P.O. boxes)
City
)
State
Zip Code
*The Employer is defined as the individual owner in the case of a sole proprietorship, or, in any other case, the corporation, partnership or other entity
establishing the Schwab SEP-IRA.
2. The Employer Acknowledges and Agrees That:
By signing this Agreement, the Employer
requests Charles Schwab & Co., Inc. (“Schwab”)
to agree to accept its Schwab SEP-IRA and, in
consideration of Schwab’s acceptance, the
Employer (the individual owner in the case of a
sole proprietorship, or, in any other case, the
corporation, partnership or other entity
establishing the Schwab SEP-IRA) acknowledges
and agrees that:
•In its role as Employer, the Employer is not
opening a brokerage account relationship with
Schwab, but is administering its SEP-IRA Plan
in accordance with terms and conditions of the
Schwab SEP-IRA Plan and current law.
•It is the Employer’s responsibility to ensure
that contributions are clear, complete and
correct and transmitted to Schwab in a timely
manner. Schwab will not be held responsible
for delays in depositing contributions if Schwab
finds the contribution instructions unclear,
incomplete or incorrect. Employer will indemnify
and hold harmless Schwab and Schwab’s
officers, directors, employees and affiliates
from any liability that may result from following
the Employer’s instructions with respect to the
allocation of contributions among Participants’
SEP-IRA investment accounts.
•Schwab will serve as Custodian of the
Employer’s Schwab SEP-IRA Plan and handle
accounts therein (Schwab SEP-IRA accounts)
according to arrangements for plans and
accounts of this type.
•The Employer is responsible for reviewing and
approving the terms of this Agreement and all
documents pertaining to the Schwab SEP-IRA
Plan, including the terms and conditions of the
Schwab Retirement Plan Brokerage Account
Agreement associated with each Participant
brokerage account. Unless the Employer (or
other authorized Plan fiduciary) otherwise
directs Schwab in writing, the Employer hereby
directs Schwab to make available to Participants and their accounts the ability to enter
into certain transactions, including (i) the
purchase, holding and sale of all securities
generally available or permissible by Schwab
to such account types; (ii) the receipt of
communications and information about, and
enrollment in, investment advisory products
(referred to as Schwab “offerings” in the
Schwab Retirement Plan Brokerage Account
Agreement) offered by Schwab and its
affiliates, including Schwab Managed
Portfolios™
, Windhaven Portfolios®
, and any
future products (collectively, the “investment
advisory products”); (iii) the hiring of investment managers; and (iv) the payment of
investment advisory products’ fees using
Participant assets.
The Employer hereby provides its authority for
the foregoing direction. In the future, Schwab
may modify its offerings to include additional
investment advisory products, in which case
Schwab will provide notice and opportunity to
decline offering investment advisory products.
Further, the Employer may decline to offer
investment advisory products at any time and
agrees to notify Schwab in writing if the
Employer elects to withdraw its approval of any
of the specified transactions mentioned
herein.
•Although Schwab may from time to time
provide assistance in the administration of the
Employer’s Schwab SEP-IRA as an accommodation, the responsibility for administration
rests with the Employer and any separate Plan
Administrator appointed by the Employer, and
Schwab has no responsibility to perform any
function for the administration of the
Employer’s Schwab SEP-IRA Plan. Without
limiting the generality of the preceding
sentence, the Employer specifically understands and agrees that Schwab has no duty to
determine or review allocations of contributions among Participants or to perform any
recordkeeping functions for the Employer’s
Schwab SEP-IRA Plan.
•Although Schwab has provided a form that the
Employer may modify to provide to employees
as a disclosure, Schwab has no duty to comply
with any obligations that may be imposed
under ERISA (the Employee Retirement Income
Security Act of 1974, as amended), including,
without limitation, the Participant disclosure
requirements applicable to simplified
employee pension plans.
•The Employer has reviewed this Agreement
and all materials pertaining to the Schwab
SEP-IRA with a tax advisor. The Employer
understands that Schwab does not offer tax
or legal advice and the Employer cannot rely
on Schwab in this capacity.
3. Schwab Acknowledges and Agrees That:
•Schwab will provide the Employer with
amendments to the prototype Schwab SEP-IRA
Plan Document to conform to current law,
within the period prescribed for such
amendments by the Internal Revenue Service
unless and until Schwab notifies the Employer
that it has discontinued or abandoned the
Schwab SEP-IRA Plan.
WB
©2014 Charles Schwab & Co., Inc.
All rights reserved. Member SIPC.
CS20383-75 (1114-7618) APP20105-12 (11/14)
•Schwab shall not, however, be obligated to
provide materials to the Employer other than
the prototype Schwab SEP-IRA Plan Document, or to update or correct any such
materials provided.
•Employer transmittals of contributions to
Participants’ SEP-IRA investment accounts
will be processed in a timely manner and
deposited directly to each Participant’s
account on receipt of clear, complete and
correct instructions.
*APP20105-12=01*
Page 2 of 3
4. The Employer and Schwab Agree That:
•This Agreement shall become effective when
signed by the Employer and shall remain in
effect until the date 10 years after the last
contribution under the Employer’s Schwab
SEP-IRA Plan is received by Schwab.
•This Agreement shall be binding on the
successors, assigns, agents and employees
of each, specifically including (to the extent
permitted by law) any Plan Administrator
appointed by the Employer.
5. Arbitration Agreement
Section 1: Required Arbitration Disclosures.
Regulatory authorities require that any brokerage
agreement containing a predispute arbitration
agreement must disclose that this agreement
contains a predispute arbitration clause. This
Agreement contains a predispute arbitration
clause. By signing an arbitration agreement, the
parties agree as follows:
•All parties to this Agreement are giving up the
right to sue each other in court, including the
right to a trial by jury, except as provided by the
rules of the arbitration forum in which a claim
is filed.
•Arbitration awards are generally final and
binding; a party’s ability to have a court reverse
or modify an arbitration award is very limited.
•The ability of the parties to obtain documents,
witness statements and other discovery is
generally more limited in arbitration than in
court proceedings.
•The arbitrators do not have to explain the
reason(s) for their award unless, in an eligible
case, a joint request for an explained decision
has been submitted by all parties to the panel
at least 20 days prior to the first scheduled
hearing date.
•The panel of arbitrators will typically include
a minority of arbitrators who were or are
affiliated with the securities industry.
•The rules of some arbitration forums may
impose time limits for bringing a claim in
arbitration. In some cases, a claim that is
ineligible for arbitration may be brought
in court.
•The rules of the arbitration forum in which the
claim is filed, and any amendments thereto,
shall be incorporated into this Agreement.
No person shall bring a putative or certified
class action to arbitration, nor seek to enforce
any predispute arbitration agreement against
any person who has initiated in court a putative
class action; or who is a member of a putative
class who has not opted out of the class with
respect to any claims encompassed by the
putative class action until:
1. the class certification is denied;
2. the class is decertified; or
3. the customer is excluded from the class
by the court.
Such forbearance to enforce an agreement to
arbitrate shall not constitute a waiver of any
rights under this Agreement except to the extent
stated herein.
WB
©2014 Charles Schwab & Co., Inc.
All rights reserved. Member SIPC.
CS20383-75 (1114-7618) APP20105-12 (11/14)
Section 2: Arbitration Agreement. Any
controversy or claim arising out of or relating to
(i) this Agreement, any other agreement with
Schwab, an instruction or authorization provided
to Schwab or the breach of any such agreements, instructions, or authorizations; (ii) the
Account, any other Schwab account or Services;
(iii) transactions in the Account or any other
Schwab account; (iv) or in any way arising from
the relationship with Schwab, its parent,
subsidiaries, affiliates, officers, directors,
employees, agents or service providers (“Related
Third Parties”), including any controversy over the
arbitrability of a dispute, will be settled by
arbitration.
This arbitration agreement will be binding upon
and inure to the benefit of the parties hereto and
their respective representatives, attorneys-in-fact,
heirs, successors, assigns and any other persons
having or claiming to have a legal or beneficial
interest in the Account, including court-appointed
trustees and receivers. This arbitration agreement will also inure to the benefit of third-party
service providers that assist Schwab in providing
Services (“Third-Party Service Providers”) and
such Third-Party Service Providers are deemed
to be third-party beneficiaries of this arbitration
agreement.
The parties agree that this arbitration agreement
will apply even if the application to open the
Account is denied and will survive the closure of
your Account and/or the termination of services
rendered under this Agreement.
Such arbitration will be conducted by, and
according to the securities arbitration rules
and regulations then in effect of, the Financial
Industry Regulatory Authority (FINRA) or any
national securities exchange that provides a
forum for the arbitration of disputes, provided
that Schwab is a member of such national
securities exchange at the time the arbitration
is initiated. Any party may initiate arbitration by
filing a written claim with FINRA or such eligible
national securities exchange. If arbitration before
FINRA or an eligible national securities exchange
is unavailable or impossible for any reason,
then such arbitration will be conducted by, and
according to the rules and regulations then in
effect of, the American Arbitration Association
(AAA). If arbitration before the AAA is unavailable or impossible for any reason, the parties
agree to have a court of competent jurisdiction
appoint three (3) arbitrators to resolve any and
all disputes or controversies between or among
the parties. Each party shall bear its own initial
arbitration costs, which are determined by the
rules and regulations of the arbitration forum.
In the event of financial hardship, the arbitration
forum may waive certain costs in accordance
with such rules. At the conclusion of the hearing,
the arbitrators will decide how to assess the
costs of the arbitration among the parties.
Any award the arbitrator makes shall be final
and binding, and judgment on it may be entered
in any court having jurisdiction. This arbitration
agreement shall be enforced and interpreted
exclusively in accordance with applicable federal
laws of the United States, including the Federal
Arbitration Act. Any costs, fees or taxes involved
in enforcing the award shall be fully assessed
against and paid by the party resisting enforcement of said award.
For FINRA arbitrations, FINRA will appoint a
single public arbitrator in customer cases
decided by one arbitrator. In customer cases
decided by three arbitrators, investors have the
option of choosing an arbitration panel with two
public arbitrators and one non-public arbitrator
(Majority-Public Panel Rule) or a panel of all
public arbitrators (Optional All-Public Panel Rule).
If the customer declines to elect a panel
selection method in writing by the applicable
deadline, the Majority-Public Panel Rule for
selecting arbitrators will apply.
All notices from one party to the other involving
arbitration shall be considered to have been
fully given when so served, mailed by first-class,
certified or registered mail, or otherwise given
by other commercially accepted medium of
written notification.
In addition to the above provisions, if a party
to this Agreement is or becomes a non-U.S.
resident at the time of any controversy subject
to this arbitration agreement, such party
acknowledges and agrees to the following
additional provisions:
(1)The rules of the organization administering
the arbitration specifically provide for the
formal designation of the place at which the
arbitration is to be held.
(2)Entering into this Agreement constitutes
consent to submit to the personal jurisdiction
of the courts of the state of California, U.S.A.,
to interpret or enforce any or all of these
arbitration provisions. Judgment on any
arbitration award may be entered in any
court having jurisdiction, or application may
be made to such court for judicial acceptance
of the award and an order of enforcement,
as the case may be.
*APP20105-12=02*
Page 3 of 3
5. Arbitration Agreement (Continued)
(3)The exclusive language to be used by the
parties and the arbitrators in the arbitration
proceedings shall be English. Any party
wishing an interpreter shall make all
arrangements directly with the interpreter
and shall assume all costs of the service.
(4)If a party is a foreign government or state,
state-owned or state-operated enterprise or
other instrumentality of a foreign government
or state, such party waives all rights of
sovereign immunity and neither the Federal
Act of State doctrine nor the doctrine of
sovereign immunity shall apply insofar as any
enforcement in courts located in the U.S.A.
is concerned.
6. Signature
The individual signing this form represents and warrants that he or she is authorized to execute and deliver this Agreement on behalf of the Employer,
and that this Agreement is a legally binding obligation of the Employer. The Employer agrees that Schwab is authorized to take written or oral instructions
from any person Schwab reasonably believes represents the Employer.
THE AGREEMENT WITH SCHWAB CONTAINS A PREDISPUTE ARBITRATION CLAUSE. YOU ACKNOWLEDGE RECEIPT OF THE PREDISPUTE ARBITRATION
CLAUSE CONTAINED IN SECTION 5 on page 2.
Signature and Date Required
X
Authorized Signature of Employer
Print Name
Title
Date
FOR CHARLES SCHWAB USE ONLY:
Branch Office and
Account Number
WB
©2014 Charles Schwab & Co., Inc.
All rights reserved. Member SIPC.
CS20383-75 (1114-7618) APP20105-12 (11/14)
*APP20105-12=03*
SEP-IRA Employer’s Agreement With Schwab
(Includes Self-Employed Individuals)
Page 1 of 2
Please retain for your files.
By signing this Agreement, the Employer
requests Charles Schwab & Co., Inc. (“Schwab”)
to agree to accept its Schwab SEP-IRA and, in
consideration of Schwab’s acceptance, the
Employer (the individual owner in the case of a
sole proprietorship, or, in any other case, the
corporation, partnership or other entity
establishing the Schwab SEP-IRA) acknowledges
and agrees that:
•In its role as Employer, the Employer is not
opening a brokerage account relationship with
Schwab, but is administering its SEP-IRA Plan
in accordance with terms and conditions of the
Schwab SEP-IRA Plan and current law.
•It is the Employer’s responsibility to ensure
that contributions are clear, complete and
correct and transmitted to Schwab in a timely
manner. Schwab will not be held responsible
for delays in depositing contributions if
Schwab finds the contribution instructions
unclear, incomplete or incorrect. Employer will
indemnify and hold harmless Schwab and
Schwab’s officers, directors, employees and
affiliates from any liability that may result from
following the Employer’s instructions with
respect to the allocation of contributions
among Participants’ SEP-IRA investment
accounts.
•Schwab will serve as Custodian of the
Employer’s Schwab SEP-IRA Plan and handle
accounts therein (Schwab SEP-IRA accounts)
according to arrangements for plans and
accounts of this type.
•The Employer is responsible for reviewing and
approving the terms of this Agreement and all
documents pertaining to the Schwab SEP-IRA
Plan, including the terms and conditions of the
Schwab Retirement Plan Brokerage Account
Agreement associated with each Participant
brokerage account. Unless the Employer (or
other authorized Plan fiduciary) otherwise
directs Schwab in writing, the Employer hereby
directs Schwab to make available to Participants and their accounts the ability to enter
into certain transactions, including (i) the
purchase, holding and sale of all securities
generally available or permissible by Schwab
to such account types; (ii) the receipt of
communications and information about, and
enrollment in, investment advisory products
(referred to as Schwab “offerings” in the
Schwab Retirement Plan Brokerage Account
Agreement) offered by Schwab and its
affiliates, including Schwab Managed
Portfolios™
, Windhaven Portfolios®
, and any
future products (collectively, the “investment
advisory products”); (iii) the hiring of investment managers; and (iv) the payment of
investment advisory products’ fees using
Participant assets.
The Employer hereby provides its authority for
the foregoing direction. In the future, Schwab
may modify its offerings to include additional
investment advisory products, in which case
Schwab will provide notice and opportunity to
decline offering investment advisory products.
Further, the Employer may decline to offer
investment advisory products at any time and
agrees to notify Schwab in writing if the
Employer elects to withdraw its approval of any
of the specified transactions mentioned
herein.
•Although Schwab may from time to time
provide assistance in the administration of the
Employer’s Schwab SEP-IRA as an accommodation, the responsibility for administration
rests with the Employer and any separate Plan
Administrator appointed by the Employer, and
Schwab has no responsibility to perform any
function for the administration of the
Employer’s Schwab SEP-IRA Plan. Without
limiting the generality of the preceding
sentence, the Employer specifically understands and agrees that Schwab has no duty to
determine or review allocations of contributions among Participants or to perform any
recordkeeping functions for the Employer’s
Schwab SEP-IRA Plan.
•Although Schwab has provided a form that the
Employer may modify to provide to Participants
as a disclosure, Schwab has no duty to comply
with any obligations that may be imposed
under ERISA (the Employee Retirement Income
Security Act of 1974, as amended), including,
without limitation, the Participant disclosure
requirements applicable to simplified
employee pension plans.
•The Employer has reviewed this Agreement
and all materials pertaining to the Schwab
SEP-IRA with a tax advisor. The Employer
understands that Schwab does not offer tax
or legal advice and the Employer cannot rely
on Schwab in this capacity.
Required Arbitration Disclosures. Regulatory
authorities require that any brokerage agreement containing a predispute arbitration
agreement must disclose that this agreement
contains a predispute arbitration clause. This
Agreement contains a predispute arbitration
clause. By signing an arbitration agreement, the
parties agree as follows:
•All parties to this Agreement are giving up the
right to sue each other in court, including the
right to a trial by jury, except as provided by the
rules of the arbitration forum in which a claim
is filed.
•Arbitration awards are generally final and
binding; a party’s ability to have a court reverse
or modify an arbitration award is very limited.
•The ability of the parties to obtain documents,
witness statements and other discovery is
generally more limited in arbitration than in
court proceedings.
•The arbitrators do not have to explain the
reason(s) for their award unless, in an eligible
case, a joint request for an explained decision
has been submitted by all parties to the panel
at least 20 days prior to the first scheduled
hearing date.
•The panel of arbitrators will typically include
a minority of arbitrators who were or are
affiliated with the securities industry.
WB
©2014 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CS20383-75 (1114-7618) APP20105-12 (11/14)
•The rules of some arbitration forums may
impose time limits for bringing a claim in
arbitration. In some cases, a claim that is
ineligible for arbitration may be brought
in court.
•The rules of the arbitration forum in which the
claim is filed, and any amendments thereto,
shall be incorporated into this Agreement.
No person shall bring a putative or certified
class action to arbitration, nor seek to enforce
any predispute arbitration agreement against
any person who has initiated in court a putative
class action; or who is a member of a putative
class who has not opted out of the class with
respect to any claims encompassed by the
putative class action until:
1. the class certification is denied;
2. the class is decertified; or
3. the customer is excluded from the class
by the court.
Such forbearance to enforce an agreement to
arbitrate shall not constitute a waiver of any
rights under this Agreement except to the extent
stated herein.
Arbitration Agreement. Any controversy or claim
arising out of or relating to (i) this Agreement,
any other agreement with Schwab, an instruction
or authorization provided to Schwab or the
breach of any such agreements, instructions, or
authorizations; (ii) the Account, any other
Schwab account or Services; (iii) transactions in
the Account or any other Schwab account; (iv) or
in any way arising from the relationship with
Schwab, its parent, subsidiaries, affiliates,
officers, directors, employees, agents or service
providers (“Related Third Parties”), including any
controversy over the arbitrability of a dispute, will
be settled by arbitration.
This arbitration agreement will be binding upon
and inure to the benefit of the parties hereto and
their respective representatives, attorneys-in-fact,
heirs, successors, assigns and any other persons
having or claiming to have a legal or beneficial
interest in the Account, including court-appointed
trustees and receivers. This arbitration agreement will also inure to the benefit of third-party
service providers that assist Schwab in providing
Services (“Third-Party Service Providers”) and
such Third-Party Service Providers are deemed
to be third-party beneficiaries of this arbitration
agreement.
The parties agree that this arbitration agreement
will apply even if the application to open the
Account is denied and will survive the closure of
your Account and/or the termination of services
rendered under this Agreement.
Such arbitration will be conducted by, and
according to the securities arbitration rules
and regulations then in effect of, the Financial
Industry Regulatory Authority (FINRA) or any
national securities exchange that provides a
forum for the arbitration of disputes, provided
that Schwab is a member of such national
securities exchange at the time the arbitration
is initiated. Any party may initiate arbitration by
Page 2 of 2
filing a written claim with FINRA or such eligible
national securities exchange. If arbitration before
FINRA or an eligible national securities exchange
is unavailable or impossible for any reason,
then such arbitration will be conducted by, and
according to the rules and regulations then in
effect of, the American Arbitration Association
(AAA). If arbitration before the AAA is unavailable or impossible for any reason, the parties
agree to have a court of competent jurisdiction
appoint three (3) arbitrators to resolve any and
all disputes or controversies between or among
the parties. Each party shall bear its own initial
arbitration costs, which are determined by the
rules and regulations of the arbitration forum.
In the event of financial hardship, the arbitration
forum may waive certain costs in accordance
with such rules. At the conclusion of the hearing,
the arbitrators will decide how to assess the
costs of the arbitration among the parties.
Any award the arbitrator makes shall be final
and binding, and judgment on it may be entered
in any court having jurisdiction. This arbitration
agreement shall be enforced and interpreted
exclusively in accordance with applicable federal
laws of the United States, including the Federal
Arbitration Act. Any costs, fees or taxes involved
in enforcing the award shall be fully assessed
against and paid by the party resisting enforcement of said award.
For FINRA arbitrations, FINRA will appoint a
single public arbitrator in customer cases
decided by one arbitrator. In customer cases
decided by three arbitrators, investors have the
option of choosing an arbitration panel with two
public arbitrators and one non-public arbitrator
(Majority-Public Panel Rule) or a panel of all
public arbitrators (Optional All-Public Panel Rule).
If the customer declines to elect a panel
selection method in writing by the applicable
deadline, the Majority-Public Panel Rule for
selecting arbitrators will apply.
All notices from one party to the other involving
arbitration shall be considered to have been
fully given when so served, mailed by first-class,
certified or registered mail, or otherwise given
by other commercially accepted medium of
written notification.
In addition to the above provisions, if a party
to this Agreement is or becomes a non-U.S.
resident at the time of any controversy subject
to this arbitration agreement, such party
acknowledges and agrees to the following
additional provisions:
(1)The rules of the organization administering
the arbitration specifically provide for the
WB
©2014 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CS20383-75 (1114-7618) APP20105-12 (11/14)
formal designation of the place at which the
arbitration is to be held.
(2)Entering into this Agreement constitutes
consent to submit to the personal jurisdiction
of the courts of the state of California, U.S.A.,
to interpret or enforce any or all of these
arbitration provisions. Judgment on any
arbitration award may be entered in any
court having jurisdiction, or application may
be made to such court for judicial acceptance
of the award and an order of enforcement,
as the case may be.
(3)The exclusive language to be used by the
parties and the arbitrators in the arbitration
proceedings shall be English. Any party
wishing an interpreter shall make all
arrangements directly with the interpreter
and shall assume all costs of the service.
(4)If a party is a foreign government or state,
state-owned or state-operated enterprise or
other instrumentality of a foreign government
or state, such party waives all rights of
sovereign immunity and neither the Federal
Act of State doctrine nor the doctrine of
sovereign immunity shall apply insofar as any
enforcement in courts located in the U.S.A.
is concerned.
Printed on recycled paper.
WB
©2014 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CS20383-75 (1114-7618) APP20105-12 (11/14)
00120703