Charles Schwab Helps You Plan for Retirement

<table border="1" width="100%" bgcolor="#004080" bordercolor="#000000"> <tr> <td bgcolor="#FFFFFF"><img src="http://www.schwab-online.com/images/StartingToPlan.gif" width="250" height="52"></td> </tr> <tr> <td bgcolor="#B6B66B"><a href="http://myschwab.excite.com/mesp/schwab/useragreement2.dcg"><img src="http://www.schwab-online.com/images/sch_logo.gif" border="0" width="100" height="40"></a> <h1><font face="Arial" size="4" color="#000000"> Start planning and investing in retirement now</font></h1> <p align="right"><font size="2" face="Arial"><b><i>"As a rule of thumb, for every five years you wait, you may need to double your monthly investing amount </i></b></font> <br> <font size="2" face="Arial"><b><i>to reach the same goal." Charles R. Schwab </i></b></font> </p> </td> </tr> <tr> <td bgcolor="#808040"><table border="0" width="100%" bgcolor="#004080"> <tr> <td valign="top" width="33%" bgcolor="#004080"><div align="center"><center><table border="1" width="100%" bgcolor="#FFFFBB"> <tr> <td width="100%"><h2><font size="4" face="Arial"><strong>Types of Retirement Accounts:</strong></font></h2> <ul> <li><font size="2" face="Arial, Helvetica"><b>Take Advantage Of Your Employer-Sponsored Retirement Plan</b></font></li> <li><font size="2" face="Arial, Helvetica"><b>Invest In IRAs To Maximize Other Tax Savings</b></font></li> <li><font size="2" face="Arial, Helvetica"><b>Augment Tax-Advantaged Savings With A Brokerage Account, Variable Annuity, And Mutual Fund Investments</b></font></li> </ul> <p><a href="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,550,00.html"><font size="2" face="Arial, Helvetica"><u>More on types of accounts</u></font></a><br><font size="2" face="Arial, Helvetica"><u> </u></font><a href="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,524,00.html" target="_top" linkid="30"><font size="2" face="Arial, Helvetica"><u>More on variable annuities</u></font></a><br> <font size="3" face="Arial"><strong><br> Where are you in planning?</strong></font></p> <p align="center"><a href="http://www.schwabretirement.com/home.asp?section=startingtoplan&PathMSC=CGW"><font size="2" face="Arial"><b><u>Starting to Plan for Retirement </u></b></font></a> </p> <p align="center"><a href="http://www.schwabretirement.com/home.asp?section=NearingRetirement&PathMSC=CGX"><font size="2" face="Arial"><b><u>Nearing Retirement </u></b></font></a> </p> <p align="center"><a href="http://www.schwabretirement.com/home.asp?section=InRetirement&PathMSC=CGY"><font size="2" face="Arial"><b><u>In Retirement </u></b></font></a> </p> <p align="center"><a href="http://www.schwabretirement.com/home.asp?section=ChangingJobs&PathMSC=CGZ"><font size="2" face="Arial"><b><u>Changing Jobs </u></b></font></a> </p> <p align="center"><a href="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,549|4219,00.html"><font color="#004080" size="3" face="Arial"><b>More </b></font></a> </p> </td> </tr> </table> </center></div></td> <td valign="top" width="33%" bgcolor="#004080"><p align="center">  </p> <h1 align="center"><font color="#B6B66B" size="4" face="Arial">#1 Start planning and investing now. </font><font color="#004080" size="2" face="Arial">  </font></h1> <ul> <li><font size="2" face="Arial, Helvetica"><b>Compounding Works For You</b></font></li> <li><font size="2" face="Arial, Helvetica"><b>Social Security Won't Reach The Goal</b></font></li> <li><font size="2" face="Arial, Helvetica"><b>Americans Are Living Longer</b></font></li> <li><font size="2" face="Arial, Helvetica"><b>Inflation</b></font></li> </ul> <p align="center"><a href="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,549,00.html"><font size="2" face="Arial, Helvetica"><b>More......</b></font></a>   </p> <p align="center"> </p> <p align="center"><img src="http://www.schwab-online.com/images/SN090HomeChartthin.gif" width="140" height="196"> </p> </td> <td valign="top" width="34%" bgcolor="#004080">  <div align="center"><center><table border="1" width="100%" bgcolor="#FFFFBB"> </table> </center></div><p align="right"><font color="#808040" size="2" face="arial"><a href="http://www.schwab.com/SchwabNOW/SNLibrary/SNLib122/SN122mainMiniHome/0,4525,502,00.html"><b>More on Retirement </b></font></a> </p> <p align="right"><font color="#808040" size="2" face="Arial"><b>Retirement Wednesdays </b></font> <br> <font size="1" face="arial">Retirement experts answer </font> <br> <font size="1" face="arial">your questions live. </font> <br> <a href="http://www.forum.schwab.com"><font size="1" face="arial">Wednesdays at </font></a> <br> <a href="http://www.forum.schwab.com"><font size="1" face="arial">9pm ET/6PM PT</font></a> </p> <p align="right"> </p> <p align="right"><font color="#808040" face="Arial"><strong>For more Retirement Help and Advice</strong></font></p> <p align="right"><a href="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,556|268,00.html"><font color="#000000" face="Arial"><strong>The Schwab IRA Alalyzer</strong></font></a></p> <p align="right"><a href="http://www.schwab.com/SchwabNOW/navigation/mainFrameSet/0,4528,552|829,00.html"><font color="#000000" face="Arial"><strong>Investor Profile Questionnaire</strong></font></a></p> </td> </tr> </table> </td> </tr> <tr> <td bgcolor="#FFFFD5"><p align="center"><font color="#000000" size="1" face="Arial">Assumptions: $2,000 after-tax contributions at the beginning of each year, hypothetical 8% annual return, 28% federal tax rate </font> <br> <font color="#000000" size="1" face="Arial">on the taxable income. Earnings are taxed at 28% federal tax rate at time of withdrawal. Anticipated value of tax-deferred account </font> <br> <font color="#000000" size="1" face="Arial">if balance is withdrawn as lump sum and taxes paid at 10 years: $28,130; 20 years: $82,369; 30 years: $192,978. Chart is for illustration </font> <br> <font color="#000000" size="1" face="Arial">purposes only and does not represent the performance of any investment security. Does not reflect any account fees. Dividends and </font> <br> <font color="#000000" size="1" face="Arial">interest reinvested each year until withdrawal. Investors should consult their tax advisor or legal counsel for advice and information </font> <br> <font color="#000000" size="1" face="Arial">concerning their particular situation. </font> </p> </td> </tr> </table> <table border="0" width="100%" bgcolor="#808040"> <tr> <td> </td> </tr> <tr> <td width="100%" bgcolor="#808040"><p align="center"><a href="http://www.schwab.com/SchwabNOW/0,4414,500,00.html" target="_top"><font size="1" face="Arial"><u>Home </u></font></a><font size="1" face="Arial">  |  </font><a href="http://www.myschwab.com/" target="_top"><font size="1" face="Arial"><u>MySchwab </u></font></a><font size="1" face="Arial">  |    |  </font><a href="http://www.schwab.com/SchwabNOW/navigation/siteMap/0,4530,,00.html" target="_top"><font size="1" face="Arial"><u>Site Map </u></font></a><font size="1" face="Arial">  |  </font><a href="http://www.schwab.com/SchwabNOW/SNLibrary/SNLib121/SN121main_01.html',490,640);"><font size="1" face="Arial"><u>Demo </u></font></a> </p> <p align="center"><font color="#FFFFFF" size="1" face="Arial">Š2000 Charles Schwab & Co., Inc. 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