Schwab Personal Choice Retirement Account (PCRA) Your best answer for employees who want more.

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1 Schwab Personal Choice Retirement Account (PCRA) Your best answer for employees who want more.

2 Add the industry pioneer in self-directed brokerage accounts to your retirement plan. Schwab PCRA makes it easy.

3 Your retirement plan works great for most employees. Now make it work for everybody. Get more than an account. Get a solution. How do you satisfy that important (and often vocal) group of employees who find your current investment lineup limiting? For thousands of companies, the answer has been the Schwab Personal Choice Retirement Account (PCRA). Offer more choice. Get more support. When you work with Schwab, you and your retirement plan get the benefit of working with an industry leader and one of the most experienced providers of self-directed brokerage accounts (SDBAs). We know what works, what to avoid, and how to use PCRA as a solution for retirement plan challenges. When you offer PCRA, you give your employees access to thousands more investment choices including the largest selection of no-load, no-transaction-fee mutual funds 1 available in an SDBA offering, as well as Schwab Exchange- Traded Funds, which trade online in a Schwab account commission-free. 2 * Clients tell us they feel more comfortable simplifying their investment lineup when they have PCRA in place for their hands-on investors. Investors should consider carefully information contained in the prospectus, including investment objectives, risks, trading policies, charges, and expenses. You can request a prospectus by calling Schwab s dedicated PCRA Call Center at PCRA (7272). You may also request a prospectus online at Please read the prospectus carefully before investing. * Restrictions apply: Online trades of Schwab ETFs are commission-free at Schwab, while trades of third-party ETFs are subject to commissions. All broker-assisted trades are subject to service charges. See the Charles Schwab Pricing Guide for Retirement Plan Accounts for details. All ETFs are subject to management fees and expenses.

4 Offer Schwab PCRA with ease. With many years of experience implementing PCRA for plans of all sizes, we know how to work with you and your Retirement Plan Service Provider to make integration and administration easy. Everything s handled. SYSTEMS INTEGRATION PCRA is designed to integrate seamlessly into any plan. Our time-tested processes leverage extensive practical experience and enable us to work with any Retirement Plan Service Provider. PAPERLESS ACCOUNT OPENING Employees can open their PCRA entirely online, using an electronic signature feature that eliminates the need for additional paperwork. COMMUNICATION MATERIALS Educating your employees about PCRA is easy to do with communication materials that clearly explain the self-directed brokerage account and help them take action. DEDICATED SERVICE TEAMS With extensive experience in the retirement plan industry, your PCRA service team has the expertise to help ensure that incorporating PCRA into your plan goes smoothly. Have questions about PCRA? Since 1994, we ve integrated PCRA into thousands of retirement plan programs. We often begin our relationship by answering your questions. Here we address a few popular topics. How can we customize the investment selection? PCRA offers the ultimate flexibility in designing your brokerage window to fit your plan s criteria. With PCRA, employees have a wide selection of investment choices across different asset classes, including stocks, bonds, mutual funds, and fixed income products. For example, if your plan restricts stock trading, you can tailor the trading menu to allow any combination of mutual funds, ETFs, closed-end mutual funds, and CDs. Why is the ability for employees to have multiple PCRAs in their retirement plan important to me as Plan Sponsor? Allowing your employees to have more than one PCRA in their retirement plan can be beneficial for accommodating pre-tax and after-tax contributions, such as a Roth feature, and also enables you to offer employees the option of having separately managed accounts with different money managers. Can an SDBA assist with changes to my core lineup? An SDBA may be able to help when a plan considers eliminating fund choices from the lineup. PCRA can also help during a merger situation when combining plans by allowing many investments to transfer in kind rather than forcing employees to liquidate their holdings. Simplify your plan s core lineup and round out your offering by adding a self-directed brokerage account to satisfy the most demanding investors.

5 Many companies give employees the freedom to have their PCRA managed by an independent investment advisor. Know you ve given your employees the best. When you and your Retirement Plan Service Provider add PCRA to your lineup, you add an investment option with a firm whose reputation for service and value is widely recognized. Your employees enjoy these advantages. VAST INVESTMENT CHOICe Based on your plan elections, employees can invest in a greatly expanded selection of stocks, bonds, mutual funds, ETFs, and more. COMPETITIVE COMMISSIONS AND FEES In addition to thousands of no-load, no-transaction-fee mutual funds, 1 employees can purchase stocks, bonds, ETFs, and fixed income investments at competitive prices, including our low online equity commissions.* ACCESS TO INDUSTRY- LEADING RESEARCH, TOOLS, AND ANALYST OPINIONS Employees can research, trade, and monitor investments in their PCRA with the support of independent third-party and proprietary research reports, advanced online screening tools, and market commentary from industry experts. KNOWLEDGEABLE SCHWAB PCRA REPRESENTATIVES When employees need assistance with their PCRA, they can talk with dedicated Schwab PCRA Registered Representatives who are familiar with your retirement plan. * Restrictions apply: The $8.95 commission does not apply to foreign stock transactions or large block transactions requiring special handling. All brokerassisted trades are subject to service charges. See the Charles Schwab Pricing Guide for Retirement Plan Accounts for details. If we ask participants to be responsible for managing their investments, we have an obligation to offer them the solutions they need to do so. Let s discuss your needs. Talk with a Schwab Representative today. Call Walt Bettinger President and Chief Executive Officer, The Charles Schwab Corporation

6 1 Charles Schwab & Co., Inc. (Member SIPC) receives remuneration from fund companies for recordkeeping and shareholder services and other administrative services for shares purchased through Schwab s Mutual Fund OneSource program. Schwab also may receive remuneration from transaction fee fund companies for certain administrative services. Trades in no-load mutual funds available through OneSource (including Schwab Funds ), as well as certain other funds, are available without transaction fees when placed through Schwab.com or our automated phone channels. 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. Schwab s short-term redemption fee will be charged on redemption of funds (except certain Schwab Funds) bought through Schwab s Mutual Fund One- Source program (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. 2 Exchange-traded funds are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor s shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Diversification does not eliminate the risk of market loss. Schwab ETFs are distributed by SEI Investments Distribution Co. (SIDCO). SIDCO is not affiliated with Schwab. The information contained herein does not constitute an endorsement, investment recommendation, solicitation to buy, or investment advice by Schwab. Schwab has no discretionary authority, responsibility, or control with respect to such matters. Schwab is not an investment advisor or fiduciary to your employer s retirement plan, does not recommend any particular mutual fund or collective trust fund or category of mutual funds or collective trust funds, is not responsible for your choice of mutual funds and collective investment funds, and may receive remuneration for recordkeeping and shareholder services and other administrative services. Charles Schwab & Co., Inc. does not guarantee the suitability or potential value of any particular investment or information source. Schwab Personal Choice Retirement Account (PCRA) is offered through Charles Schwab & Co., Inc., a registered broker-dealer that also provides other brokerage and custody services to its customers. Printed on recycled paper Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CS ( ) MKT (10/11)

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