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<div align="center"><h1>Charles Schwab - Retirement Planning</h1><p>
Simple, Smart Retirement Planning - Your First Step To Financial Independence. Work toward your retirement goals with Schwab.</div><p>
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<TD BGCOLOR="#FFFFCC" NOWRAP><FONT FACE="Arial, Helvetica" SIZE=2 CLASS="bodyFontBold"><B>Wall Street Journal<BR>Limited Time Offer!</B></FONT></TD>
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<TD BGCOLOR="#FFFFCC"><FONT FACE="Arial, Helvetica" SIZE=1 CLASS="promo">Open an IRA online and get The Wall Street Journal Interactive Edition free. <A HREF="http://promo.schwabon.com/AR007/AR007Home.asp?SRC=CGL" TARGET="_top" LINKID="4183"><U><IMG SRC="/SchwabNOW/images/ButGo.GIF" WIDTH="23" IMAGEID="2445" HEIGHT="8" ALT="Go >>" BORDER="0"></U></A></FONT></TD>
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<TD><FONT FACE="Arial, Helvetica" SIZE=2 CLASS="bodyFontBold"><B>Charles Schwab's Retirement Principles</B></FONT></TD>
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<TD><FONT FACE="Arial, Helvetica" SIZE=1 CLASS="promo">#1 Start planning and investing
now. <A HREF="/SchwabNOW/navigation/mainFrameSet/0,4528,549|4219,00.html" Target="_top">More</A></FONT></TD>
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<FONT FACE="arial, helvetica" SIZE="3" CLASS="subSectionMBlue" COLOR="#006699"><B>Simple, Smart Retirement Planning</B></FONT><BR>
<FONT FACE="arial, helvetica" SIZE="2" CLASS="subSectionSmall"><B>Your First Step To Financial Independence</B></FONT></TD>
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<TD VALIGN="TOP" COLSPAN="2"><FONT FACE="Arial, Helvetica" SIZE="2" CLASS="bodyFont">Plan for retirement the smart way by assessing where you stand. Please choose
one below:</FONT></TD>
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<TD VALIGN="TOP"><FONT FACE="Arial, Helvetica" SIZE="2" CLASS="bodyFont"><A HREF="http://www.schwabretirement.com/home.asp?section=startingtoplan&PathMSC=CGW" TARGET="_top" LINKID="4220"><U>Starting to Plan for Retirement</U></A></FONT></TD>
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<TD VALIGN="TOP"><FONT FACE="Arial, Helvetica" SIZE="2" CLASS="bodyFont"><A HREF="http://www.schwabretirement.com/home.asp?section=NearingRetirement&PathMSC=CGX" TARGET="_top" LINKID="4221"><U>Nearing Retirement</U></A></FONT></TD>
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<TD><FONT FACE="arial, helvetica" SIZE=2 CLASS="bodyFontBold"><B>Resources for Retirement Planning</B></FONT></TD>
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<TD VALIGN="TOP"><FONT FACE="ARIAL,HELVETICA" SIZE=2 CLASS="bodyFont">The following tools and information can help you assess your retirement planning
needs:</FONT></TD>
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<TD><FONT FACE="Arial, Helvetica" SIZE=2 CLASS="bodyFontBold"><B>"As a rule of thumb, for every five years you wait, you may need to double your monthly investing amount to reach the same goal."</B></FONT></TD>
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<TD ALIGN="RIGHT"><FONT FACE="Arial, Helvetica" SIZE=2 CLASS="bodyFont">Charles R. Schwab</FONT></TD>
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<TD><IMG SRC="/SchwabNOW/SNLibrary/SNLib090/Img/SN090HomeChartthin.gif" WIDTH="140" IMAGEID="2744" HEIGHT="196" ALT="How Savings Can Grow" BORDER="0"></TD>
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<FONT FACE="Arial, Helvetica" SIZE="1" COLOR="#666666" CLASS="footnote"><A NAME="footnote1">1. Assumptions:</A> $2,000 after-tax contributions at the beginning of each year, hypothetical 8% annual return, 28% federal tax rate on the taxable income. Earnings are taxed at 28% federal tax rate at time of withdrawal. Anticipated value of tax-deferred account if balance is withdrawn as lump sum and taxes paid at 10 years: $28,130; 20 years:
$82,369; 30 years: $192,978.<BR>
<BR>
Chart is for illustration purposes only and does not represent the performance of any investment security. Does not reflect any account fees. Dividends and interest reinvested each year until withdrawal. Investors should consult their tax advisor or legal counsel for advice and information concerning their particular situation.</FONT></TD>
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<TD><FONT FACE="Arial, Helvetica" SIZE=1 COLOR="#666666"
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