With PCRA, you can give employees who are more experienced investors additional opportunities to help realize their financial goals.

Through Schwab's PCRA, your employees can access more than 2,500 mutual funds, including 1,200 mutual funds available with no loads and no transaction fees, and over 500 load-waived fund shares typically only available to institutional clients⁵. They can also choose from individual stocks from all the major exchanges, fixed-income investments, exchange-traded funds and money market funds.⁶

What your employees can expect
From award-winning educational programs to robust technology, Schwab's resources and tools will help your employees become more knowledgeable and confident investors. Plan participants can benefit from:

• Extensive educational resources. Your employees can choose from over 20 in-person and online seminars covering current investing topics such as "Navigating Today's Market" and "Building a Diversified Portfolio."
• Multichannel access. We offer your participants a variety of ways to interact with us—from online tools and courses to in-person workshops, a dedicated PCRA call center, informative publications and our nationwide network of 400 Investor Centers.
• Investor Center resources. Your employees may choose to meet with a Schwab Investment Consultant, a seasoned professional who can answer questions and help with their investing needs, such as reviewing their current investment plan, exploring new investing strategies and reallocating assets.
• Comprehensive research. Your employees can take advantage of our powerful research tools on schwab.com, including the Schwab Mutual Fund Select ListM^® and Schwab Equity Ratings™.

5 For a specific mutual fund's prospectus containing more complete information about the fund, 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.

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 a 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 for recordkeeping, shareholder services and other administrative services for shares purchased through its Mutual Fund OneSource service. Principal value and investment returns will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost.

6 An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.