SCHWAB PLAN COMPREHENSIVE

Customized personal financial, investment management, and advisory services, namely, providing information, analysis, and advice in the fields of finance, financial investments, retirement planning, retirement savings, and retirement fund distribution, budgeting, banking, borrowing, education savings planning, college savings planning, estate planning, and financial risk management and insurance planning; investment consultation and financial administration for retirement plans; all by means of a global computer network, by wireless mobile devices, and by telephone