Choice and plan flexibility are the hallmarks of our alliance. Schwab provides you with one of the largest selections of investments available, giving you the opportunity to customize your plan to best match the needs of your participants. And, unlike some providers, Schwab does not require that you place a certain percentage of plan assets with any one mutual fund or fund family.

Sound performers
Over 20 years ago, Schwab pioneered the Mutual Fund MarketPlace^®, forming, long-term relationships with leading mutual fund companies representing a wide range of management styles, asset classes and performance potential. As a result, you can offer your plan participants some of America's best-known mutual funds, including those appearing regularly on the Schwab Focus List^™.

Enjoy cost efficiencies
Schwab's long association with leading mutual fund companies has led to another important advantage. As a result of Schwab's relationship with some mutual fund families, you may be able to take advantage of a competitive revenue-sharing program designed to help offset plan expenses.

Convenient Rollover IRAs and account portability
For employees leaving your company, Schwab's Rollover IRA can help streamline distributions through a direct transfer from your retirement plan. Schwab can provide complete rollover packages that include transfer information and account opening forms. Departing employees can access our selection of mutual funds and other investments as well as Schwab's local Investment Centers.

Your investment choices.
As one of the largest mutual fund providers in the world, Schwab gives your participants access to a core of investment choices. You can offer your employees leading funds¹ in each asset class, with over 1,800 funds from over 300 of America's best-known mutual fund families represented in the Schwab Mutual Fund MarketPlace^®.

• Schwab Mutual Fund OneSource® product²
  More than 1,000 no-load, no-transaction fee funds from over 220 well-known fund families give you potential pricing advantages.
• SchwabFunds^®
  We currently offer 45 proprietary mutual funds in a variety of asset classes. Funds range from money market funds³ to bond and equity index funds, as well as quantitative and asset allocation funds.
• Schwab Personal Choice Retirement Account^® (PCRA)⁴
  This self-directed brokerage account allows plan participants to contribute retirement plan savings into a greatly expanded range of investment choices, including stocks, bonds and mutual funds.
• The Charles Schwab Stable Value Fund.⁵
  This is one of a variety of pooled stable value funds designed for investors seeking more conservative investments in their plan.
• Schwab Institutional Trust Funds^®5
  This series of collective trusts is designed to provide large plans with advantages, such as competitive and tiered pricing, a wide range of investment styles and access to a broad array of prominent institutional investment managers.
• Schwab Managed Retirement Trust Funds™
  At Schwab, we believe all retirement plans should have target retirement funds in their line-ups. They can be a great way to help participants to and through retirement because of their ease of use, diversification and ready-made asset allocation. Participants can make simple, informed decisions about when they want to retire, and leave the details to professional investment managers.
• Company stock
  Your company’s stock can be integrated into your retirement plan as one of the choices that you offer to your participants.

1 Past performance is no guarantee of future results.

2 Charles Schwab & Co., Inc. (member SIPC) receives remuneration from fund companies in the Mutual Fund OneSource® program for recordkeeping and shareholder services, and other administrative services. Schwab also may receive remuneration from transaction fee fund companies for certain administrative services.

3 An investment in the 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 per share, it is possible to lose money by investing in the Fund.

4 PCRA is offered through Charles Schwab & Co., Inc., member SIPC.

5 The Schwab Stable Value Fund and the Schwab Institutional Trust Funds are collective trust funds distributed by Charles Schwab Trust Company (“CSTC”), a division of Charles Schwab Bank. CSTC acts as trustee, manager, and distributor of the Funds. The Funds are not mutual funds and units of the Funds are not registered under the Securities Act of 1933, as amended, or applicable securities laws of any state or other jurisdiction. The Funds are not registered under the Investment Company Act of 1940, as amended, or other applicable law, and unit holders are not entitled to the protections of the 1940 Act. The Funds are not insured by CSTC, any of its affiliates, the FDIC or any other type of deposit insurance. As defined in the Fund's Declaration of Trust and Participation Agreement documents, the Funds are available for investment by eligible qualified retirement plan trusts only. The unit value of the Funds will fluctuate and investors may lose money.

Prospectuses containing more complete information, including management fees, charges and expenses, are available by calling Schwab at 1-800-435-4000. Please read the prospectus carefully before investing or sending money. 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.