The ultimate value of retirement benefits can depend on investment performance. Schwab gives you and your Plan Sponsors single-source access to vast investment choice and flexibility.

Choice and plan flexibility are hallmarks of our investment offering. As one of the largest mutual fund providers in the world, and the pioneer of the mutual fund supermarket, Schwab can give participants a solid core offering of investment options drawn from America's best-known mutual fund families¹.

• Schwab Mutual Fund MarketPlace.^® With funds from the leading mutual fund families to choose from, including a comprehensive selection of no-load, no-transaction-fee funds from the hundreds of fund families that participate in our Mutual Fund OneSource^® Service².
• Stable Value Funds. For investors seeking more conservative investments in their plan, we offer the Charles Schwab Stable Value Fund and a variety of pooled GIC funds.
• Schwab Managed Retirement Trust Funds. This series of funds allows participants to select a fund based on their target retirement year (2010, 2020, 2030 or 2040). Each fund's investment mix and asset allocation are adjusted over time with the goal of balancing risk and return, growing more conservative as retirement nears.
• The Schwab Personal Choice Retirement Account^® (PCRA)³. An industry-leading, self-directed brokerage account (SDBA), PCRA was developed to accommodate Plan Sponsors and participants who seek a broader range of investments, including mutual funds, individual stocks, bonds, and money market funds.

1 You can request a mutual fund prospectus by calling Schwab at 1-800-435-4000. Prospectuses contain more complete information, including charges and expenses, and should be read carefully before investing or sending money.

2 Schwab receives remuneration from fund companies participating in the Mutual Fund OneSource Service for recordkeeping and shareholder services and other administrative services. Schwab also may receive remuneration from transaction fee fund companies for certain administrative services. Redemption fees may apply.

3 PCRA is offered through Charles Schwab & Co., Inc.

Prospectuses containing more complete information, including management fees, charges and expenses, are available by calling 1-800-435-4000. Please read the prospectus before investing, or sending money. Investing entails the risk of loss of principal.