Ummm... What are these fees all about? I didn't even know these existed... When a stock splits you get charged??? "Your account ending in 1469 Dear Michael *****, As one of our most valued Apex clients, you receive the highest level of client service, along with additional benefits, such as preferential pricing - including service fee waivers. We are pleased to inform you that you will not be impacted by an upcoming reorganization fee change that will take effect around September 1, 2012 (the fee for a voluntary or mandatory reorganization will now be $38). This reorganization fee, and all other service fees, will continue to be waived for you. A reorganization is a financial restructuring of a firm - a stock split, for example. Reorganizations can be mandatory (such as a reverse stock split, in which outstanding shares are combined) or voluntary (such as participation in a tender offer). You are our top priority You are one of our very best clients. We remain fully committed to providing you with a higher level of service, and with the full range of support you need to pursue your goals: No service fees No platform fees Free independent objective research Free educational resources Preferential client service If you have any questions, or if we can be of any assistance, please log in to your account and click "Message Center" (under Home) to write us. A representative will respond through your Message Center inbox. You can also call Client Services at 888-871-9007. We're available 24 hours a day, seven days a week. Thank you for your continued loyalty and commitment to us. Sincerely, TD Ameritrade"