Charles Schwab Corporate and Retirement Services Pricing Guide

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1 April 2008 Charles Schwab Corporate and Retirement Services Pricing Guide Pricing information in this Charles Schwab Corporate and Retirement Services Pricing Guide ( Pricing Guide ) applies only to clients with accounts held at Charles Schwab & Co., Inc., the registered brokerdealer, and is limited to: (1) retirement plan accounts administered by a Third-Party Administrator (TPA) through Schwab s Plan Administrator Services (PAS), and (2) Schwab Personal Choice Retirement Accounts (PCRAs) 1 established on behalf of retirement plan participants. Pricing information in this Pricing Guide supersedes prior pricing details and notices you may have received with respect to your accounts held at Charles Schwab & Co., Inc. Schwab reserves the right to change or waive fees at our discretion, subject to notification in accordance with applicable laws and regulations. Any special pricing that has been negotiated for your Plan is not reflected in this Pricing Guide and supersedes this Pricing Guide. Your TPA may charge an additional fee to include PCRA in your Plan. Contact your Retirement Plan Provider for details. Please keep this Pricing Guide for your reference.

2 Contents Key Pricing Changes...3 Definitions...3 Introduction...4 Schedule of Commissions and Transaction Fees...5 Stocks...5 Mutual Funds...6 Options...7 Fixed Income Investments...8 Service Fees...10 Endnotes...11 How to Reach Us By Phone: Schwab Personal Choice Retirement Account (PCRA) account holders may contact the dedicated PCRA Call Center at PCRA (7272). This number will also connect you to Schwab s automated phone services: Schwab by Phone (voice recognition) and TeleBroker (touch-tone). Third-Party Administrators or Recordkeepers, Plan Sponsors, Trustees and retirement plan custody account holders may contact Schwab at By Web: 2

3 Key Pricing Changes The following pricing changes are effective February 20, 2008: Reduced commission for stock and option investments Definitions Agent: An Investment Advisor (IA) is referred to herein as your Agent. Your Agent is not affiliated with or controlled or employed by Schwab. Householding: Householding refers to the aggregation of your accounts held at Charles Schwab & Co., Inc. For the purpose of receiving special pricing, Schwab Householding does not include assets in employersponsored retirement plan accounts administered by a TPA or in a PCRA; however, accounts may be householded for the purpose of obtaining a referral to an IA. Current regulations prevent us from householding your plan-level or PCRA account with your other accounts at Schwab. Electronic Trades: Trades placed through one of Schwab s electronic channels, including online (e.g., at and Schwab s automated phone services (e.g., Schwab by Phone or TeleBroker ). Certain securities may not be available through all electronic trading channels. 3

4 Introduction Schwab provides a broad range of value-added services, some of which have associated fees. This document provides you with an overview of standard pricing for commissions, transaction fees and service fees for these types of accounts: Retirement plan accounts administered by a Third- Party Administrator (TPA) and enrolled in Schwab s Plan Administrator Services (PAS) Schwab Personal Choice Retirement Account (PCRA) Your Plan may restrict certain investments described in this Pricing Guide. Please refer to your plan provider for details on which investments are available to you within your Plan. You can obtain additional information about the pricing for your account(s) through: Your TPA or Plan Sponsor, if your retirement account is enrolled in Schwab s PAS The PCRA Call Center or your Plan Sponsor, if you have a PCRA account If your Plan allows, you may be able to utilize an Investment Advisor (IA). Your account may be subject to the Investment Advisor s fee schedule. Contact your Investment Advisor for details. Throughout this Pricing Guide, notations are marked with either a symbol or a number, and can be found under Endnotes at the back of the Pricing Guide. 4

5 Schedule of Commissions and Transaction Fees 2 Stocks 3 Stock Commissions per Executed Trade (includes Exchange-Traded Funds) Trading Channel Electronic Stocks priced at $1 per share or more Stocks priced under $1 per share Broker- Assisted Less than 120 trades* and less than $1,000,000 $12.95 for the first 1,000 shares, plus $ for each additional share $12.95 Electronic commission, plus $ or more trades or $1,000,000 or more $8.95 $8.95 Electronic commission, plus $25 * 0 29 trades in current calendar quarter or trades over the prior 12 months 30 or more trades in current calendar quarter or 120 or more trades over the prior 12 months Note: Your PCRA is a cash-up-front account. It is your responsibility to avoid overspending your account. If your account becomes overspent, Schwab reserves the right to liquidate a portion of your account to cover the debit balance. Broker-assisted fees will apply. For Stocks Less Than $1 per Share: For purchase, we require cleared funds in the account. When selling, we require securities on deposit. Dividend Reinvestment: The Schwab No-Fee StockBuilder Plan for dividend reinvest ment is available for most U.S. stocks. If you wish to reinvest the dividends on any qualifying stock, please specify when placing your trade order. To change your elections, call your Schwab Representative or visit 5

6 Large Block Transactions: Contact Schwab for orders of 10,000 shares or more, or for orders of over $500,000. These orders may be eligible for special handling and/or pricing. American Depositary Receipts (ADRs): Banks who custody ADRs ( ADR Agents ) are permitted to charge ADR holders fees. An ADR Agent is authorized under its agreement with the issuer to impose a fee on holders of the issue. Starting July 10, 2007, fees collected from Schwab by the Depository Trust Company (DTC) for an ADR will be automatically passed through to those ADR holders. Fees will be deducted from your Schwab account(s) and shown on your statement(s) as ADR Pass-Through Fee. Amounts and timing differ by ADR. Mutual Funds 5 No-Transaction-Fee (NTF) Mutual Funds Trade orders in no-load funds available through Schwab s Mutual Fund OneSource service (including Schwab Funds ), as well as certain other funds, are available with no transaction fees when placed through one of Schwab s electronic channels. Trading Channel Electronic $0 Broker-Assisted Transaction-Fee Mutual Funds Trading Channel Electronic Broker- Assisted Transaction Fee 0.56% of principal* 0.7% of principal Transaction Fee $25 service fee per trade may apply Minimum/Maximum Minimum $35.00 Maximum $49.95 Minimum $39.00 Maximum $74.95 * Transaction-fee mutual fund trades placed through one of Schwab s electronic channels receive a 20% discount off the stated broker-assisted commissions or transaction fees, as illustrated in the Transaction- Fee Mutual Funds table. 6

7 Minimum transaction amounts apply for initial and subsequent purchases. When placing simultaneous orders to sell one or more transaction-fee fund(s) and purchase additional transaction-fee fund(s) with the proceeds, you will pay the standard fee on the larger transaction and just $25 on the corresponding buy or sell. Mutual Fund Short-Term Redemption Fees 6 Fee Amount Mutual Fund Short-Term Redemption Fee $49.95 Other Information for All Mutual Fund Transactions Some funds may also charge sales and/or redemption fees. Please read the prospectuses for details. Options Trading Channel Electronic Options Commission per Executed Trade $8.95, plus $0.75 per contract Broker-Assisted Electronic commission, plus $25 7

8 Fixed Income Investments 7 Schwab reserves the right to act as principal on any fixed income transaction, public offering or securities transaction. When Schwab acts as agent, a commission will be charged on the transaction. When Schwab acts as principal, the markup is included in the bond price. Product Type New issues, including Certificates of Deposit Treasuries at Auction and Secondary Treasuries, including Treasury Bonds, Treasury Bills, Treasury Notes, TIPS Other Secondary Fixed Income trades: CDs, Exchange-Traded Corporate Bonds, Municipal Bonds, Zero-Coupon Treasury Bonds, STRIPS and Mortgage-Backed Securities Government Agencies (such as Non-Pass- Through Bonds from FNMA, FHLB, etc.) Electronic Commission or Markup for PAS Custody Broker- Assisted Fee for PAS Custody $0 (a selling concession is included in the original offering price) $0 $25 $1 per bond ($10 minimum/ $250 maximum) $0.20 per bond ($10 minimum/ $250 maximum) $1.20 per bond (20% premium) $0.24 per bond (20% premium) Unit Investment Trusts n/a Sales charge applies; see prospectus Commercial Paper, Foreign Bonds and other bonds Preferred Stocks, Debts or REITs These are specialty products please call us for information Stock commissions and minimums apply for secondary transactions Note: The commissions and markups may be slightly less than what is shown in the Fixed Income table due to rounding. 8

9 Electronic Commission or Markup for PCRA Broker- Assisted Fee for PCRA $0 (a selling concession is included in the original offering price) $0 $25 $1 per bond ($10 minimum/ $250 maximum) Electronic commission, plus $25 $1 per bond ($10 minimum/ $250 maximum) Electronic commission, plus $25 n/a Sales charge applies; see prospectus These are specialty products please call us for information Stock commissions and minimums apply for secondary transactions Large Transactions: Contact Schwab for orders of more than 250 bonds. These orders may be eligible for special handling and/or pricing. 9

10 Prime Brokerage and Trade-Away Services: Prime Brokerage and Trade-Away services are designed to give you and your Agent the ability to execute trades using assets held in your account at broker-dealers other than Schwab, known as Executing Brokers. Our standard fee for both Prime Brokerage and Trade-Away services is $25 per trade or trade allocation. Note: There may be other fees, such as those charged by the Executing Broker and outlined in the Prime Brokerage Amendment. Service Fees Account Activity Fees Exchange Process Fee: This fee offsets processing costs incurred by Schwab for the exchange of securities (including those related to assessments on broker-dealers by an exchange or other self-regulatory organization) for stock, option or other covered security sell transactions. The amount of this fee is set periodically by the SEC and will appear on your trade confirmation. Fee Order out of certificates (for U.S. and Canadian securities)*: Physical certificates 8 Amount $50 per certificate Book entry held at transfer $25 per issue agent Security Reorganization*: Voluntary and Post-effective $39 Schwab Proprietary Non-Sweep Money Funds, including Schwab Value Advantage Investments (SVAI): Schwab-initiated redemptions 9 Failure to maintain required minimum balance in SVAI ($15,000) Transfer of title for certificates* 10 $10 per redemption $5 per month $25 per position 10

11 Cashiering Fees 11 Fee 11 Amount Check Order Fee No charge for standard checks Overnight Fee $8.50 Nonsufficient funds/ $25 per item returned item Wire transfer (outgoing)* 12 $25 per transfer Custody Fees Fee Alternative investments 13 Nontransferable securities 14 Physical Certificate Custody Fee Amount $100 annual maintenance $50 transfer-in $250 initial purchase $100 subsequent purchase $1 per month, per position $50 per year, per position * Certain clients qualify for exemption. Endnotes 1 Schwab Personal Choice Retirement Account (PCRA) is offered through Charles Schwab & Co., Inc. Charles Schwab & Co., Inc. also provides other brokerage and custody services to its customers. Schwab Retirement Plan Services, Inc. and The 401(k) Company, Inc. provide recordkeeping and related services with respect to retirement plans. Charles Schwab Trust Company, a division of Charles Schwab Bank, provides trust and custody services with respect to retirement and other benefit plans, including individual retirement accounts. 2 Excluding mutual funds, commissionable trades that execute over more than one day will be charged a separate commission for each additional day; each separate commission will apply to the portion of the trade executed on the corresponding additional day. Electronic Trade orders for which price or quantity are changed by the client, and as a result execute over multiple trades on the same day, are each charged a separate commission. 3 Includes all stocks listed on U.S. or Canadian exchanges, as well as foreign stocks not listed on those exchanges. Foreign stock transactions (stocks not listed on U.S. or Canadian exchanges) are subject

12 to the greater of the broker-assisted trade schedule, $100 or 0.5% of principal. No maximum applies. Not applicable to American Depositary Receipts. 4 Half-cent increments are rounded up. 5 For exchange-traded funds, refer to the Stocks table. 6 Schwab s short-term redemption fee 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 some funds from this fee, including certain Schwab Funds, which may charge a separate redemption fee, and funds that accommodate short-term trading. 7 For fixed income trades placed through one of Schwab s electronic channels, discounts may apply. 8 An additional amount of $250 per certificate will be charged for foreign securities. 9 Occurs, at Schwab s sole discretion, when no other cash assets or margin credit balances are available in a customer s account to cover transactions such as Schwab One checks, security purchases, Visa debit cards, AIP investments and electronic funds transfers. 10 Formerly an estate processing fee reregistering securities held in certificate form. 11 Fees for cashiering services do not apply to PCRA account holders, with the exception of nonsufficient funds/returned item. 12 Wire transfer fees can be avoided by using certain automated services, such as Schwab MoneyLink, or by using Schwab One checkwriting services. 13 Alternative investments include (list is subject to change): promissory notes; limited partnerships; private limited partnerships; limited liability companies; private common, preferred and convertible preferred stock; private bonds; private warrants; private placements; private REITs; State of Israel bonds and church bonds. State of Israel bonds and church bonds are subject to one-time initial purchase and subsequent purchase fees only. 14 A nontransferable security is a security for which there has been no transfer agent for three years or more Charles Schwab & Co., Inc. All rights reserved. Member SIPC. FTA ( ) REG23060CRS-01 (04/08)

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