www.SchwabAlliance.comSchwab Signature Alliance™ Quotes & Research Tab

Advantages a. Marketsb. Industriesc.www.SchwabAlliance.com Login Page Stocksd. Mutual Fundse. Fixed IncomeAt a Glance Tabf. Watch Lista. My ProfilePlanning Tabb. Schwab Alerts Pagea.c. Charitable GivingMy Benefitsb. Your Tax ToolsAccount TabBanking Taba. Balancesa.b. Investor CheckingPositionsb.c. Checking SetupPerformancec.d. LendingHistoryd.e. Credit CardTransfers & Payments

f. Specialty AccountsPriority Service TeamTrade Tab

a. Stocksb. Extended Hoursc. Mutual Fundsd. Optionse. Bondsf. CDsg. Order Status

This presentation reflects information that is designed to be informational in nature, for the specific purpose of providing an overview of the Schwab Signature Services Alliance Web site.

Screen shots are for illustrative purposes only, may be historical in nature and should not be used as a basis for any investment decision. Any investments reflected are for illustrative purposes only and are not intended to be nor should they be construed as a recommendation to buy sell or continue to hold any investment

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265) Return

To Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Schwab Signature Alliance™ AdvantagesSchwab Signature Alliance™ is a premium package of benefits designed to complement the expertise and personal services of an investment advisor

Premium Products and ServicesAccess your accounts online day and night and receive professional support through Schwab Signature Alliance™. This premium suite of services includes Schwab’s award-winning technology, real-time data and a dedicated support team to complement your advisory relationship, including the following online features:

Real-time balances and positions

Electronic delivery of trade confirmations and regulatory documents

Cash management tools

Trade order status

Schwab Bank services

How to Get More InformationTo access Schwab Signature Alliance™ benefits, call your dedicated Schwab Alliance team at 800.515.2157, Monday – Friday, 8:30 a.m. – 7 p.m. EST

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

www.SchwabAlliance.com Login PageThe client-level login page enables users to access all Schwab accounts online. Clients can enter the SchwabAlliance.com via any Schwab login page

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

At a Glance TabProvides a snapshot of account information and holdings, watch lists, market commentary and more

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

At a Glance Tab: My ProfileProvides a snapshot view and online edit capabilities for client contact information

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

At a Glance Tab: Schwab AlertsClients can enroll themselves in electronic trade notifications and other Web-generated notifications; including regulatory, account, and research alerts

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

At a Glance Tab: My BenefitsProvides quick access to the premium benefits available to clients of advisors

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Account TabProvides real-time account information, including balances, positions, transaction history and more

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Account Tab: BalancesAccess to real-time cash and security balances and fund availability in one location

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Account Tab: PositionsProvides real-time positions with links to news and charts on account holdings

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Account Tab: Performance Real-time view of the performance of positions held in an account

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Account Tab: HistoryClients can view real-time positions with links to news and charts on their holdings

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Account Tab: Transfers & PaymentsProvides cash management tools, such as online bill payment, direct deposit and electronic fund transfers.

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Account Tab: Specialty AccountsClients can set up access to their 529 College Plan account information

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Trade Tab: StocksProvides access to trade functionality and order status information

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Trade Tab: Extended HoursProvides access to after-hours trade functionality

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Trade Tab: Mutual FundsProvides online mutual fund trading capability

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Trade Tab: OptionsProvides option trading access dependent upon the client’s options trading level approval

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Trade Tab: BondsProvides access to online bond trading capability

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Trade Tab: CDsProvides CD information and directions on how to place an order

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Trade Tab: Order StatusProvides trade status of stocks, mutual funds, options, and fixed income products

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Quotes & Research Tab: MarketsMarket, equity, and industry information and research from respected sources, as well as, the ability to set up a customized watch list

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Quotes & Research Tab: IndustriesSector and industry information and comparison charts

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Quotes & Research Tab: StocksEquity research reports from top industry analysts and the ability to find stocks using select criteria via the Stock Screener

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Quotes & ResearchTab: Mutual FundsClients can find and compare mutual funds using the fund search and compare funds links

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Quotes & Research Tab: Fixed IncomeProvides research tools and allows clients to compare fixed income products

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Quotes & Research Tab: Watch ListSet up a customized watch list along with daily or weekly email notifications of your selections

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Planning TabProvides web-based calculators, tax tools, and more

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Planning Tab: Schwab Fund for Charitable GivingClients have access to uniquely flexible way to manage their giving and a tax-smart way to support charities

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Planning Tab: Tax PlanningProvides clients with efficient tax reporting tools

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Banking TabOne-stop access to Charles Schwab Bank services, including lending and credit card services

Screen shots are for illustrative purposes only, may be historical in nature and should not be used as a basis for any decision. Rates reflected are for illustrative purposes only and may or may not reflect current rates. For more information, please visit www.schwabbank.com.

Charles Schwab Bank, N.A. and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Investment products offered by Charles Schwab & Co., Inc. are not insured by the FDIC, are not deposits or obligations of Charles Schwab Bank, and are subject to investment risk including the possible loss of principal invested. Charles Schwab & Co., Inc., a registered broker-dealer and SIPC member, does not solicit, offer, endorse, negotiate or originate any mortgage loan products and is neither a licensed mortgage broker nor a licensed mortgage lender. All mortgage loans are offered and provided by Charles Schwab Bank, member FDIC and an Equal Housing Lender. Charles Schwab Bank is not acting or registered as a securities broker-dealer or investment advisor.

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Banking Tab: Investor CheckingSchwab Bank Investor Checking is seamlessly linked to a client’s Schwab One brokerage account, and can be easily accessed via SchwabAlliance.com

Charles Schwab Bank, N.A. and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Investment products offered by Charles Schwab & Co., Inc. are not insured by the FDIC, are not deposits or obligations of Charles Schwab Bank, and are subject to investment risk including the possible loss of principal invested. Charles Schwab & Co., Inc., a registered broker-dealer and SIPC member, does not solicit, offer, endorse, negotiate or originate any mortgage loan products and is neither a licensed mortgage broker nor a licensed mortgage lender. All mortgage loans are offered and provided by Charles Schwab Bank, member FDIC and an Equal Housing Lender. Charles Schwab Bank is not acting or registered as a securities broker-dealer or investment advisor.

Screen shots are for illustrative purposes only, may be historical in nature and should not be used as a basis for any decision. Rates reflected are for illustrative purposes only and may or may not reflect current rates. For more information, please visit www.schwabbank.com.

ReturnTo Menu

Banking Tab: Checking SetupThe Checking Setup section provides clients with the required forms and instructions to open a Schwab Bank Investor Checking account.

Charles Schwab Bank, N.A. and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Investment products offered by Charles Schwab & Co., Inc. are not insured by the FDIC, are not deposits or obligations of Charles Schwab Bank, and are subject to investment risk including the possible loss of principal invested. Charles Schwab & Co., Inc., a registered broker-dealer and SIPC member, does not solicit, offer, endorse, negotiate or originate any mortgage loan products and is neither a licensed mortgage broker nor a licensed mortgage lender. All mortgage loans are offered and provided by Charles Schwab Bank, member FDIC and an Equal Housing Lender. Charles Schwab Bank is not acting or registered as a securities broker-dealer or investment advisor.

Screen shots are for illustrative purposes only, may be historical in nature and should not be used as a basis for any decision. Rates reflected are for illustrative purposes only and may or may not reflect current rates. For more information, please visit www.schwabbank.com.

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265) Return

To Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Banking Tab: LendingClients can take advantage of mortgage financing through Charles Schwab Bank

Screen shots are for illustrative purposes only, may be historical in nature and should not be used as a basis for any decision. Rates reflected are for illustrative purposes only and may or may not reflect current rates. For more information, please visit www.schwabbank.com.

Charles Schwab Bank, N.A. and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Investment products offered by Charles Schwab & Co., Inc. are not insured by the FDIC, are not deposits or obligations of Charles Schwab Bank, and are subject to investment risk including the possible loss of principal invested. Charles Schwab & Co., Inc., a registered broker-dealer and SIPC member, does not solicit, offer, endorse, negotiate or originate any mortgage loan products and is neither a licensed mortgage broker nor a licensed mortgage lender. All mortgage loans are offered and provided by Charles Schwab Bank, member FDIC and an Equal Housing Lender. Charles Schwab Bank is not acting or registered as a securities broker-dealer or investment advisor.

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Banking Tab: Credit CardProvides clients with access to credit card account information and management features

Screen shots are for illustrative purposes only, may be historical in nature and should not be used as a basis for any decision. Rates reflected are for illustrative purposes only and may or may not reflect current rates. For more information, please visit www.schwabbank.com.

Charles Schwab Bank, N.A. and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Investment products offered by Charles Schwab & Co., Inc. are not insured by the FDIC, are not deposits or obligations of Charles Schwab Bank, and are subject to investment risk including the possible loss of principal invested. Charles Schwab & Co., Inc., a registered broker-dealer and SIPC member, does not solicit, offer, endorse, negotiate or originate any mortgage loan products and is neither a licensed mortgage broker nor a licensed mortgage lender. All mortgage loans are offered and provided by Charles Schwab Bank, member FDIC and an Equal Housing Lender. Charles Schwab Bank is not acting or registered as a securities broker-dealer or investment advisor.

ReturnTo Menu

©2004 Charles Schwab & Co., Inc. All rights reserved. ("Schwab") Member SIPC. Schwab Institutional is a division of Schwab. (2005-1265)

Priority Service•Professional support from representatives who specialize in meeting the needs of clients of advisors with general service and information requests; available Monday – Friday, 8:30 a.m. – 7 p.m. EST.

•Clients of advisors can call the dedicated Schwab Alliance team at 800.515.2157, Monday – Friday, 8:30 a.m. – 7 p.m. EST to access Schwab Signature Alliance™ benefits.

ReturnTo Menu