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www.SchwabAlliance.com Schwab Signature Alliance™ Advantages www.SchwabAlliance.com Login Page At a Glance Tab a. b. c.

My Profile Schwab Alerts Page My Benefits

Account Tab a. b. c. d. e. f.

Balances Positions Performance History Transfers & Payments Specialty Accounts

Trade Tab a. b. c. d. e. f. g.

Quotes & Research Tab a. b. c. d. e. f.

Markets Industries Stocks Mutual Funds Fixed Income Watch List

Planning Tab a. b.

Charitable Giving Your Tax Tools

Banking Tab a. b. c. d.

Investor Checking Checking Setup Lending Credit Card

Priority Service Team

Stocks Extended Hours Mutual Funds Options Bonds CDs 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)

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Schwab Signature Alliance™ Advantages Schwab Signature Alliance™ is a premium package of benefits designed to complement the expertise and personal services of an investment advisor ¾ Premium Products and Services Access 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: ƒ

Real-time balances and positions

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Electronic delivery of trade confirmations and regulatory documents

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Cash management tools

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Trade order status

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Schwab Bank services

¾ How to Get More Information To 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

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

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

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

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

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

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

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

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At a Glance Tab: Schwab Alerts Clients can enroll themselves in electronic trade notifications and other Webgenerated notifications; including regulatory, account, and research alerts

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Trade Tab: Stocks Provides access to trade functionality and order status information

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

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Trade Tab: Extended Hours Provides access to after-hours trade functionality

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

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Trade Tab: Mutual Funds Provides online mutual fund trading capability

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

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

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

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Trade Tab: Bonds Provides access to online bond trading capability

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

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

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

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

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

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

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

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Quotes & Research Tab: Industries Sector and industry information and comparison charts

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

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

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

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

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

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

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

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

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

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Planning Tab Provides web-based calculators, tax tools, and more

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

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

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

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Planning Tab: Tax Planning Provides clients with efficient tax reporting tools

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

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

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

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

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

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

Banking Tab: Lending Clients 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.

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

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Banking Tab: Credit Card Provides 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.

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

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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.

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

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