I am not certain of what it all means but if they need 39 pages of fine print to explain it i am betting it's not in my favor. And the two CSR's I spoke to had no explanation. No supervisor was available to give it a try. I am betting that as interest rates rise on cash it won't find its way to Schwab account holders. According to M* Vanguard Prime MM has a seven day yield of 1.41% Try to get that at Schwab.