Overview Retirement Plan Services

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• Self-Directed Brokerage Accounts
• The Power of Choice
• Easy Integration and Administration
• Freedom of Choice
• SDBA Indicators

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For more than three decades, we at Charles Schwab & Co., Inc. have made it our priority to help individuals invest with confidence. And over the years, we've found that one of the most effective ways to help clients realize their financial goals is to provide them the utmost in investment flexibility.

That's why we'd like to work with you and your Retirement Plan Provider to offer your employees the comprehensive investment alternatives available through Schwab Personal Choice Retirement Account® (PCRA). A premier self-directed brokerage account (SDBA) in the industry, Schwab PCRA is currently offered to Plan Participants by over 6,500 Plan Sponsor clients through our alliance with over 500 Retirement Plan Provider partners. We service over 145,000 Participant account holders with over $12 billion in assets¹.

Designed to open up a wider range of choices for the more experienced investors in your organization, PCRA integrates easily into your company's existing retirement plan and allows you to offer a more competitive retirement package for today's market.

Additional reasons to add PCRA to your plan:

• Simplify your plan line-up by including target date retirement funds, lifestyle or risk-based funds, and low cost index funds along with an SDBA option
• Close unwanted core funds and move existing Participant investments in-kind into PCRA
• Provide a solution for those retirement plan Participants who need or desire to invest in securities beyond the core fund selection
• Fully customize your plan’s trading menu by breaking out exchange-traded funds, closed-end mutual funds and CDs if you choose
• Grant PCRA Participants the ability to utilize an investment advisor to obtain advice on their account
• Let PCRA Participants open multiple PCRAs to enable them to separate after-tax Roth money from pre-tax money, as well as use a money manager
• Allow Participants access to specific sector investments, including commodities, emerging markets, and more, via mutual funds and exchange-traded funds (ETFs)

Of course, when you work with Schwab, you can be sure we'll provide you and your employees the service, research and educational resources we're recognized for. Not to mention the integrity that makes us a valuable resource for your company's greatest asset—your employees.

Please give us a call at 877-456-0777 to learn more about how to complement your company's retirement plan with Schwab PCRA. Our representatives will work with you and your Retirement Plan Provider to determine how PCRA can best meet the needs of your organization. We can help facilitate a seamless integration into your existing retirement plan. And we'll make it easy for you to provide the information your employees need to take advantage of the research, tools, educational resources and investment alternatives available through Schwab.

1 Source: Schwab internal report, October 2008.