Investing & Staying on Track: Charles Schwab

Manage your account easily and inexpensively

Automatic Investing – Establish regular, automatic investments into no-load, no-transaction-fee funds. Start with as little as $100 per month.

Online Trading – Buy, sell, and exchange mutual fund shares online, including no loads or transaction fees for funds in Schwab’s Mutual Fund OneSource® program.

Email Updates – Receive a monthly email with fund performance to help you track your holdings.

Electronic Statements and Reports – Save time and paper with electronic statements, prospectuses, and annual reports.

Cost Basis Report – Receive average cost basis information for mutual fund sales in taxable accounts to help with your tax reporting.

Fund Transfer – In most cases, you can transfer shares held with other companies directly to your Schwab account without having to sell the shares, saving you time and tax hassles.

Ready to Invest?

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Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.

Investment value will fluctuate, and shares, when redeemed, may be worth more or less than original cost.

Schwab’s short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Schwab’s Mutual Fund OneSource® service (and certain other funds with no transaction fee) and held for 90 days or less. Schwab reserves the right to exempt certain funds from this fee, including Schwab Funds®, which may charge a separate redemption fee, and funds that accommodate short-term trading. For trade orders placed through a broker, a $25 service charge applies. Funds are also subject to management fees and expenses.

Trades in no-load mutual funds available through Mutual Funds OneSource service (including Schwab Funds) as well as certain other funds, are available without transaction fees when placed through Schwab.com or our automated phone channels. For each of these trade orders placed through a broker, a $25 service charge applies. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds. Funds are also subject to management fees and expenses.

Charles Schwab & Co., Inc., member SIPC, receives remuneration from fund companies participating in the Mutual Fund OneSource™ service for record keeping and shareholder services and other administrative services. Schwab also may receive remuneration from transaction fee fund companies for certain administrative services.

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