For employees who prefer to be actively involved in the ongoing management of their retirement investments, Schwab offers two options.

Plan-Selected Fund Solution
This solution may appeal to participants who feel confident investing and allocating among the funds your plan offers. It offers:

• Prescreened funds— Fund line-up that participants choose from is prescreened and selected according to a plan sponsor's predefined investment criteria
• Diversification— Retirement investments are diversified within each asset class

We offer powerful tools to help you select the fund line-up for your plan including the Investment Policy Statement Toolkit and the Schwab Focus List™.

Schwab Personal Choice Retirement Account^® (PCRA) PCRA may be an attractive option for employees who are more experienced investors and want to proactively select from a large universe of investment vehicles. PCRA provides:

• More investment flexibility— Employees have more control over their investments and asset allocation
• More investment choices— More than 1,100 funds are available with no load or transaction fees through Schwab's Mutual Fund OneSource^® service*, PCRA offers access to stocks listed on all major exchanges, over-the counter issues, bonds and other fixed-income instruments.
• Special access— Certain loaded mutual funds are now available through PCRA without paying the load charges. Typically available only to investment professionals, these funds include both load-waived versions of retail funds and funds normally offered exclusively to institutions.
• Dedicated call center—Registered representatives specifically trained on Schwab PCRA are available to assist your employees

*For a prospectus containing more complete information, including management fees, charges and expenses, please call the Dedicated PCRA Call Center at 1-888-393-PCRA (7272). Please read the prospectus carefully before you invest or transfer money. The principal value and investment net returns will fluctuate with changes in market conditions. An investor's shares when redeemed, may be worth more or less than their original costs. Schwab's short-term redemption fee will be charged on each redemption of funds bought through Schwab's Mutual Fund OneSource® service (and certain other funds) with no transaction fee and held for 90 days or less (except SchwabFunds®). If you pay a transaction fee to purchase fund, you will pay a transaction fee to sell it as well. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds. Charles Schwab & Co., Inc. receives remuneration from fund companies in the Mutual Fund OneSource® program for record keeping, shareholder services and other administrative services.