Great rates and personalized service for all your banking and credit needs.

1. For more information about the rates, fees, other costs and terms of the benefits associated with the use of the Charles Schwab Bank Visa credit card, call FIA Card Services, N.A. toll-free at 866-724-9223; write to P.O. Box 15020, Wilmington, DE 19850; or refer to the disclosures accompanying the online credit card application. Benefit details accompany new account materials.

2. The APY on the Schwab Bank High Yield Investor Checking account, with a minimum balance of $0.01, is 2.01% as of 06/27/2008. This rate is variable and may change without notice.

Unlimited ATM fee rebates apply to cash withdrawals using the Schwab Bank Visa® Platinum Check Card wherever it is accepted. ATM fee rebates do not include currency exchange fees; fees imposed by merchants for POS transactions; or fees for stamp purchases, balance inquiries, or any transactions other than an ATM cash withdrawal from your Schwab Bank account. Schwab Bank makes its best effort to identify those ATM fees eligible for rebate, based on information it receives from Visa and ATM operators. In the event that you have not received a rebate for a fee that you believe is eligible, please call a Schwab Bank Client Service Specialist for assistance. Schwab Bank reserves the right to modify or discontinue the ATM fee rebate at any time.

This offer is subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an obligation to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard Insurance may be required. Program terms and conditions are subject to change.

Charles Schwab Bank and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Charles Schwab & Co., Inc., a registered broker-dealer and SIPC member, does not solicit, offer, endorse, negotiate or originate any mortgage loan products and is neither a licensed mortgage broker nor a licensed mortgage lender. All mortgage loans are offered and provided by Charles Schwab Bank, member FDIC and an Equal Housing Lender. Charles Schwab Bank is not acting or registered as a securities broker-dealer or investment advisor.