Exchange Agreement

Read the terms and conditions of use below (“Terms of Use”) carefully before the portal page and its national commercial websites, including,, and (together “website”). By using this site, you agree to abide by these Terms of Use and to be bound to them. If you don`t agree, don`t use the site. ETFs are traded in major markets such as the New York Stock Exchange and nasdaq. Of course, buy and sell them in your Vanguard Brokerage account. In accordance with Section 512 (c) (2) of the Copyright Revision Act, as enacted by the Digital Millennium Copyright Act, Vanguard designates an agent as described below to receive notifications of alleged copyright infringement in the mail: Pamela Crocker, Senior Counsel, The Vanguard Group, Inc., P.O. Box 2600, V-216, Valley Forge, PA 19482-2600. The designated copyright manager can also be reached by phone at (610) 669-6100 and by email at Other agreements. If you are currently a Vanguard customer, these terms of use complement and reference all other agreements you have with Vanguard. If there is a conflict between these terms of use and other agreements you have with Vanguard (“Other Agreements”), these other agreements take control. Integration and severability.

If a provision of these Terms of Use is found to be unlawful, non-applicable or non-applicable, this provision is considered to be separable from these Terms of Use and does not affect the validity and applicability of the other Provisions. These terms of use form the full agreement between you and Vanguard regarding the purpose of this contract. Focus on Succession Planning: The Importance of BeneficiariesSignations Kit . Focus on old age pension: Should you convert to a Roth IRA? Permission to provide account information to the employer. Changes. Vanguard may modify, add or remove parts of these Terms of Use at regular intervals, and these changes take effect immediately after they are published. You agree to regularly check for changes to these Terms of Use. On the other hand, if you buy individual stocks and bonds, if you go south, your savings could take a much bigger hit in a short time. Compliance with international law/use. You agree to comply with all laws, rules, codes and regulations of the country in which you reside and the country from which you accessed this site. Every investment product and service referred to on this website will not be made available to U.S. citizens.

This website is not considered an invitation or offer of an investment product or service to people in a country where such an invitation or offer would be illegal.