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<html> <head> <title>Charles Schwab Retirement Planning</title> <meta name="keywords" content="retirement"> <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"><h2 align="center"><font size="6"><b>Retirement Investing</b></font></h2> <p align="left"><a href="stocks/online_broker/"><font size="3" face="Arial, Helvetica"><strong>Charles Schwab online broker service</strong></font></a><font size="3" face="Arial, Helvetica"> offers you access to a dedicated team of online stock trading specialists who understand your special retirement investing needs as an option trader. They can: provide prompt, efficient order execution on even your most complex orders through Schwab's advanced order execution technology. Help you structure strategies based on your retirement investment objectives. Use the most advanced retirement information retrieval systems and technology available to give you the very latest news, research and investment information concisely analyzed and tailored to your retirement investing needs.</font></p> <hr size="1" width="90%"> <blockquote> <p align="left"><font face="Arial">It's important to determine how much you'll need to enjoy a comfortable retirement. The sooner you start saving, the more time your money has to grow. If you're a new investor, you should first develop a plan to identify your tolerance for risk and investing timeline.</font></p> </blockquote> <blockquote> <p align="left"><font face="Arial">We've added a new </font><a href="cs4/retirement_planning/"><font face="Arial">Retirement Planning</font></a><font face="Arial"> tool in the Customer Center that lets you assess your current retirement situation, evaluate alternatives, and receive direction on how to put your goals within reach.</font></p> </blockquote> <p align="center"><img src="http://www.schwab-online.com/images/HomepageLogo.gif" alt="retirement" width="162" height="28"></p> <h5 align="center"><font size="4">for all your </font><a href="stocks/retirement_planning/"><font size="4"><strong>retirement planning</strong></font></a><font size="4"><strong> needs </strong>visit </font><a href="cs4/charles_schwab/"><font size="4">www.schwab.com</font></a></h5> <p align="center"><strong>| </strong><a href="cs1/retirement/"><strong>early retirement withdrawl program</strong></a><strong> | </strong><a href="cs3/ira/"><strong>retirement calculator 401k</strong></a><strong> | </strong><a href="http://www.schwab-online.com/cs1/individual_retirement_account/"><strong>retirement quote</strong></a><strong> |<br> | </strong><a href="http://www.schwab-online.com/cs1/ira/"><strong>retirement savings calculation</strong></a><strong> | </strong><a href="http://www.schwab-online-discount-stock-broker.com/individual_retirement_account/"><strong>deferred retirement option plan</strong></a><strong> | </strong><a href="http://www.schwab-online.com/cs5/retirement/"><strong>retirement benefit</strong></a><strong> |</strong></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">MySchwab</font></a> | <a 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