SCHWAB INTELLIGENT ADVISORY

providing downloadable customized personal financial plans; downloadable electronic newsletters in the fields of financial investments and personal financial planning; online, downloadable reports in the nature of white papers in the fields of financial investments and personal financial planning

providing printed, customized, personal financial plans

educational services, namely, providing webcasts and online workshops in the fields of financial investments and personal financial planning; educational services, namely, providing live workshops and seminars in the fields of financial investments and personal financial planning

providing temporary use of online, non-downloadable interactive software that features news and research and information in the field of financial investments and featuring on-line community tools for interacting with others in the field of financial investments