THERE'S NEVER BEEN A BETTER TIME FOR CHARLES SCHWAB

Brokerage services in the fields of financial securities, stocks, bonds, mutual funds, money market funds, commodities, futures, stock options, and indices of financial securities; investment services in the fields of financial securities, stocks, bonds, mutual funds, money market funds, commodities, futures, stock options, and indices of financial securities; investment advice and management in the fields of financial securities, stocks, bonds, mutual funds, money market funds, commodities, futures, stock options, and indices of financial securities; securities brokerage account services that feature an interest-bearing feature for cash between investments, electronic cash transactions, and margin loan services; banking services; credit card and debit card services; check processing and bill payment services; annuity investment services; financial investment in the field of variable insurance; financial information provided by electronic means; administration of employee pension plans; financial planning insurance brokerage; cash management account services; fixed income investment services; electronic funds transfer; providing information and analysis in the fields of finance, investment, financial planning, and investment strategy; providing portfolio management services; providing an interactive online computer database in the field of financial portfolio management, financial decision making investment research, monitoring investment value and performance of investment research, monitoring investment value and performance of investments, analyzing investment performance, evaluating asset allocation, risk tolerance, financial alternative plans and investment timeframe; providing information by phone and by online means in the field of investment account information and financial research; and providing an online computer database in the fields of investing, finance, financial planning, financial news, financial information, and analysis in the fields of investing, finance and financial planning