Charles Schwab

<html> <head> <title>Increase your investment returns with Charles Schwab mutual fund</title> <meta name="keywords" content="mutual fund, mutual funds"> <base href="http://www.charles-schwab.com">  </head> <body bgcolor="#004284" text="#000000"> <div align="center"><center> <table border="0" cellpadding="0" cellspacing="0" width="600"> <tr> <td><MAP NAME="FrontPageMap0"><AREA SHAPE="RECT" COORDS="4, 2, 51, 15" HREF="http://www.schwab.com/SchwabNOW/Exec/gotrade" TARGET="_top"><AREA SHAPE="RECT" COORDS="53, 2, 150, 15" HREF="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,532,00.html" TARGET="_top"><AREA SHAPE="RECT" COORDS="154, 2, 186, 15" HREF="http://www.schwab.com/SchwabNOW/0,4414,500,00.html" TARGET="_top"><AREA SHAPE="RECT" COORDS="189, 2, 247, 15" HREF="http://www.myschwab.com/" TARGET="_top"><AREA SHAPE="RECT" COORDS="250, 2, 306, 15" HREF="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,778,00.html" TARGET="_top"></MAP><img src="http://www.schwab.com/SchwabNOW/navigation/topNav/brands/PersistentBrand.GIF" border="0" width="363" height="51" usemap="#FrontPageMap0"> </td> <td><a href="http://promo.schwabon.com/AR003/AR003Home.asp?SRC=CEZ" target="_top"><img src="/images/Ad57.GIF" border="0" width="237" height="51"></a> </td> </tr> </table> </center></div><div align="center"><center> <table border="0" cellpadding="0" cellspacing="0" width="600"> <tr> <td><MAP NAME="FrontPageMap1"><AREA SHAPE="RECT" COORDS="3, 0, 102, 18" HREF="http://www.schwab.com/SchwabNOW/SNLibrary/SNLib122/SN122mainMiniHome/0,4525,506,00.html" TARGET="_top"><AREA SHAPE="RECT" COORDS="105, 0, 166, 18" HREF="http://www.schwab.com/SchwabNOW/SNLibrary/SNLib122/SN122mainMiniHome/0,4525,501,00.html" TARGET="_top"><AREA SHAPE="RECT" COORDS="170, 0, 295, 18" HREF="http://www.schwab.com/SchwabNOW/SNLibrary/SNLib122/SN122mainMiniHome/0,4525,502,00.html" TARGET="_top"><AREA SHAPE="RECT" COORDS="299, 0, 383, 18" HREF="http://www.schwab.com/SchwabNOW/SNLibrary/SNLib122/SN122mainMiniHome/0,4525,503,00.html" TARGET="_top"><AREA SHAPE="RECT" COORDS="387, 0, 474, 18" HREF="http://www.schwab.com/SchwabNOW/SNLibrary/SNLib122/SN122mainMiniHome/0,4525,504,00.html" TARGET="_top"><AREA SHAPE="RECT" COORDS="478, 0, 597, 18" HREF="http://www.schwab.com/SchwabNOW/SNLibrary/SNLib122/SN122mainMiniHome/0,4525,505,00.html" TARGET="_top"></MAP><img src="/images/Nav1Inv.GIF" width="600" height="22" imageid="2372" usemap="#FrontPageMap1"> </td> </tr> <tr> <td bgcolor="#336699" height="5"><MAP NAME="FrontPageMap2"><AREA SHAPE="RECT" COORDS="3, 5, 99, 19" HREF="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,520,00.html" TARGET="_top"><AREA SHAPE="RECT" COORDS="183, 5, 292, 19" HREF="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,522,00.html" TARGET="_top"><AREA SHAPE="RECT" COORDS="294, 5, 414, 19" HREF="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,523,00.html" TARGET="_top"><AREA SHAPE="RECT" COORDS="416, 5, 474, 19" HREF="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,524,00.html" TARGET="_top"><AREA SHAPE="RECT" COORDS="476, 5, 561, 19" HREF="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,525,00.html" TARGET="_top"></MAP><img src="/images/Nav2InvShp.GIF" width="600" height="21" imageid="2395" usemap="#FrontPageMap2"> </td> </tr> </table> </center></div><div align="center"><center> <table border="0" cellpadding="0" cellspacing="0" width="85%" bgcolor="#99CCCC" bordercolor="#0000A0"> <tr> <td align="center"><h1 align="center"><font size="6">Charles Schwab <strong>Mutual Fund</strong></font></h1> <p align="left"><font size="3"><b>How to Buy and Sell Mutual Funds</b></font><font size="4"><b><br> </b></font><font size="3">At Charles Schwab, you can buy mutual funds in any of your accounts. And, you can place online trades for most mutual funds available through Charles Schwab. Just call 1-800-435-4000 to get the password you'll need to sign on. If you like, you can try our Web trading demo right now. </font></p> <p align="left"><font size="3"><strong>About Charles Schwab's Mutual Fund OneSource® Service</strong> </font><font size="4"><b><br> </b></font><font size="3">Charles Schwab's OneSource service includes over 1,000 no-load mutual funds from many of America's most prominent mutual fund families all available without transaction fees. (Short-term redemption fees may apply). OneSource mutual funds are identified by a "Yes" in the Fee/Expenses section of mutual fund Details and is indicated with an arrow on the Comparison and Screening results pages. </font></p> <p align="left"><font size="3"><strong>Transaction Fees and Short-Term Redemption Fees</strong><br> Transaction fees may apply to certain no-load and low-load mutual funds which do not participate in our Mutual Fund OneSource service. Such mutual funds are subject to Charles Schwab's standard transaction fees in addition to any redemption fees imposed by the mutual fund.</font></p> <p align="left"><font size="3">Charles Schwab does not charge transaction fees for mutual funds available through there Mutual Fund OneSource Service or for certain high-load mutual funds. (Short-Term Redemption Fees may apply). However, if you paid a fee to buy a mutual fund, you will be charged Charles Schwab's normal transaction fee to sell it as well. Charles Schwab may change the mutual funds they make available without transaction fees and reinstate fees on any mutual fund. Charles Schwab receives remuneration from participating mutual fund companies.</font></p> <p align="left"><font size="3">When you place an order to sell one or more mutual funds and use the proceeds to buy additional mutual funds, they will calculate the total dollar transaction based on whichever side is larger (buying or selling). Each trade on the smaller side of the transaction will be charged a flat $25. These fees do not apply to Charles SchwabFunds® or the other mutual funds for which Charles Schwab does not charge transaction fees.</font></p> <p align="left"><font size="3">*Transaction fees apply to open-end mutual funds only. Some mutual funds may also charge sales and/or redemption fees. Please read the prospectus for details. You can choose not to utilize your account at Charles Schwab and buy shares directly from the mutual fund itself or its principal underwriter or distributor without paying Charles Schwab's transaction fees.</font></p> <p align="center"><font size="5">for all your </font><a href="http://www.charles-schwab.com/cs2/mutual_fund/"><font size="5">mutual fund</font></a><font size="5"> needs see </font><a href="http://www.charles-schwab-online.com/broker/"><font size="5">www.schwab.com</font></a></p> <p align="center"><img src="http://www.schwab-online.com/images/HomepageLogo.gif" alt="mutual fund" width="162" height="28"></p> <p align="center">| <a href="http://www.charles-schwab.com/cs1/mutual_funds/">best performing mutual fund</a> | <a href="http://www.schwab-online.com/cs2/investment_advice/"><font size="3">strong mutual fund</font></a> | <a href="http://www.schwab-online.com/cs5/online_investing/"><font size="3">investing in mutual fund</font></a> |<br> <font size="3">| </font><a href="http://www.schwab-online.com/cs2/online_stock_trading/"><font size="3">top ten mutual fund</font></a><font size="3"> </font>| <a href="http://www.schwab-online.com/cs1/stock_trading/">mutual fund rating</a> | <a href="http://www.schwab-online.com/cs2/mutual_funds/">top performing mutual fund</a> |</p> </td> </tr> </table> </center></div> <p> </p> <hr width="70%"> <p align="center"><a href="http://www.schwab-online.com"><font color="#FFFFFF">Home</font></a> | <a href="http://www.myschwab.com/"><font color="#FFFFFF">MyCharles Schwab</font></a> | <a href="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,778,00.html"><font color="#FFFFFF">Contact Us</font></a> | <a href="http://www.schwab.com/SchwabNOW/navigation/siteMap/0,4530,,00.html"><font color="#FFFFFF">Site Map</font></a> | <a href="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,812,00.html"><font color="#FFFFFF">Help</font></a> </p> <p align="center"><font size="2" 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