What is PCRA? Before You Invest in PCRA. How to Open a PCRA. Fees to Open and Maintain PCRA

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1 Continental Pilots 401(k) Plan ( 401(k) Plan ) and Continental Pilots Defined Contribution Plan ( B-Plan ) Schwab Personal Choice Retirement Account 1 (PCRA) What is PCRA? The Schwab Personal Choice Retirement Account (PCRA) is a self-directed brokerage account offered through the 401(k) Plan and B-Plan. Similar to a regular brokerage account, PCRA gives you access to additional investment choices than the thirteen (13) Diversified Core Strategies and Model Portfolios that the CAL-ALPA Investment Committee has made available to you. PCRA provides access for you to buy and sell individual stocks and over 2,000 mutual funds with up to 100% of your 401(k) Plan account balance and 100% of your B-Plan account balance. Before You Invest in PCRA PCRA is designed for the most experienced retirement plan investors, those who have a good understanding of the stock market and a sound knowledge of investment principles. The wide range of investment choices available allows you to select a portfolio that matches your personal risk and return characteristics. Depending on the investments you choose to purchase in PCRA, your investments may be subject to greater risks than the other investment alternatives made available under the 401(k) Plan and B-Plan. Remember that your retirement savings are critical to your future and it is important for you to manage your investment risks appropriately. As an optional account, PCRA may not be appropriate for all investors; therefore the 401(k) Plan and B-Plan provide other investment alternatives for you to manage your account. How to Open a PCRA Once the transition to Schwab is complete, you may open a PCRA in your 401(k) Plan account, your B- Plan account, or both accounts. You must complete a separate online PCRA Account Application for your 401(k) Plan account and your B-Plan account. Log in to your account at select Plan Services, then PCRA, and then complete the online application. You will immediately receive your PCRA account number online. You can also expect to receive a PCRA Welcome Kit and a letter confirming your account number in the mail. If you have questions about completing the account application online, please call Schwab at , Monday through Friday, between 8:00 a.m. and 6:30 p.m., Central Time. Fees to Open and Maintain PCRA There is no fee to open or to maintain a PCRA. However, like other brokerage accounts, there are trading fees and additional fees or sales loads based on the investments you purchase or sell. These additional costs are specific to the investments that you decide to purchase.

2 Activate your Account Once your PCRA is open, you will need to activate your account(s). If you already have other Schwab brokerage accounts that are already activated for Web trading, your PCRA will automatically be activated for Web trading. If automatic activation does not occur for any reason, please call Schwab at to activate your PCRA. Funding your PCRA Once your PCRA is open, the next step is to transfer money from your existing 401(k) Plan account and/or B-Plan account to your PCRA by using the percent-to-percent transfer function. This transfer function is the only way you may fund your PCRA account. You may also call Schwab and ask a representative to make a dollar-to-dollar transfer. Balances invested in the Diversified Core Strategies or Model Portfolios may not be transferred to PCRA in-kind and will be sold to complete the transfer process. Note that you are not able to have your future contributions deposited directly into PCRA; you must manually transfer those funds yourself using the transfer function outlined above. Minimum Transfer Amounts to your PCRA While there is no minimum investment amount required to transfer funds to PCRA, many mutual funds available through PCRA generally require a $1,000 initial investment. Maximum Transfer Amounts to your PCRA You may transfer up to 100% of your 401(k) Plan account balance and 100% of your B-Plan account balance into PCRA. Timeframe for moving money to your PCRA The transfer process will typically take 2-3 days. If you request your transfer before market close (typically 3:00pm Central Time), the sale is initiated that day from your Diversified Core or Model Portfolio holdings. On the next business day, these proceeds are wired to your PCRA account where they are available for trading by 8:30 a.m. Central Time. An additional day may be added any time there is a market or banking holiday. Once the proceeds are in your PCRA account, they will remain invested in the Schwab Money Market fund until you place a trade. Research and Choose Investments Schwab offers you a wide variety of helpful resources online and over the phone to help you research and choose your PCRA Investments. Online and telephone based support includes access to: Screener tools at to help you identify stocks and mutual funds that meet the criteria you specify.

3 Schwab's Mutual Fund OneSource Select List ² is a list of mutual funds that consists only of mutual funds available without a load or transaction fee through Schwab's Mutual Fund OneSource service. The Schwab Center for Investment Research³ researches the full range of actively-managed funds available through Schwab's Mutual Fund OneSource service and creates the Select List based on factors such as performance, risk and expense. Online Schwab Equity Ratings 4, which are assigned to approximately 3,000 of the largest U.S. headquartered stocks (by market capitalization) using a scale of "A", "B", "C", "D", and "F." You may also access stock research from leading providers including Goldman Sachs Prime, Argus, Standard & Poor s, and Reuters. Schwab Portfolio Checkup, an online tool designed to help you evaluate your asset allocation of both Schwab and non-schwab holdings and rebalance, if appropriate. Placing Trade Orders You may only place trade orders in your PCRA when your PCRA application has been approved, your account has been opened, and you have made your initial transfer to fund your PCRA. You may invest up to 100% of your 401(k) Plan account balance and 100% of your B- Plan account balance using the PCRA option. You may place trade orders as often as you like, day or night, 5 as long as you have sufficient cash or securities in your PCRA to complete the trade. Sales proceeds are immediately deposited into your cash account and swept into the Schwab Money Market Fund. There are several convenient ways to place your trade orders: is the easiest and least expensive way to place trade orders. Automated Services: TeleBroker and Schwab by Phone TM With one easy phone call, you can place and confirm trades, get real-time stock quotes by symbol, get stock lists, and check your account balance. Call Schwab at to access these services. PCRA Call Center - Get personal assistance from registered representatives specifically trained to help service PCRA clients. Call Monday through Friday between 8:00 a.m. and 6:30 p.m. CT for assistance. Schwab's Automatic Investment Plan (AlP) 6 - Invest regularly in Schwab Mutual Fund OneSource funds with as little as $100 every month, two months or quarter. You can set up AIP on or by calling Schwab at Through your personal investment manager - You can authorize your 3 rd party investment manager to trade on your behalf by completing a Schwab PCRA Limited Power of Attorney (LPOA) form for an lnvestment Manager. Call Schwab at to request a copy of this form. 7 You will receive a current mutual fund prospectus from Schwab when you make your first purchase in a mutual fund. Also, keep in mind that after you place a trade order, the settlement times may vary for different investments.

4 You may access your account real-time at where you can place trades, view your holdings and transactions history, and use the investment planning tools available through Schwab. Your PCRA balances and holdings as of the prior market day close are also available at on an inquiry-only basis. Understanding Transaction Costs and other Fees While there is no fee to open or maintain a PCRA, purchases and sales of investments in your PCRA may be subject to Schwab commissions, transaction fees, redemption fees, or other restrictions. You can minimize these costs by doing the following: Placing Equity and Mutual Fund trade orders through Schwab's automated and electronic services Taking advantage of Schwab's selection of no-load, no-transaction-fee funds in the Schwab Mutual Fund OneSource service Understanding how long you must own a mutual fund for before Short-Term Trading Fees, Contingent Redemption fees, and Deferred Sales Charges expire Refer to each fund's prospectus for more information about these costs before investing or transferring money. Equity Trading Costs You can buy and sell individual stocks that are traded on Major Exchanges and are whose price is greater than $1 per share. To inquire about the availability of a specific equity or learn about additional restrictions, please call Schwab at Costs to buy and sell equities: Equity Trading Costs as of September 8, 2005 Trading Method TeleBroker, Schwab by Phone TeleBroker, Schwab by Phone TeleBroker, Schwab by Phone Broker Assisted Trades Trading Costs For PCRA accounts with a balance of less than $50,000 and trade 0-8 times per quarter, each trade will cost $14.95 for the first 1,000 shares plus 1 cent per share thereafter. For PCRA accounts with a balance between $50,000 and $999,999 and/or trade 9-29 times per quarter, each trade will cost $12.95 the first 1,000 shares plus 1 cent per share thereafter. For PCRA accounts with a balance of $1 million or greater and/or trade 30 or more times per quarter, each trade will cost $9.95, regardless of the number of shares involved. Minimum of $39 per trade, total cost based on transaction size Fees are subject to change at any time.

5 Fees are subject to change at any time. Mutual Fund Trading Costs You can also buy and sell mutual funds in your PCRA. Many of the mutual funds offered through PCRA are available with no load and no transaction fees through the Schwab Mutual Fund OneSource service 2. However, additional mutual funds available through PCRA may impose transaction fees and/ or sales loads for buying or selling shares of these mutual funds. These costs are typically based on the total dollar amount of your transaction and are subject to minimum fee amounts. Sales charges, which are different from Transaction Fees, are outlined in each fund s prospectus or are available by calling Schwab at Transaction Costs to Buy and Sell Mutual Funds that participate in Schwab's Mutual Fund OneSource service Trading Method Transaction Size Transaction Costs TeleBroker, Schwab by Phone (automated), Broker Assisted Trades All - $ 0 Notes: All initial and subsequent purchases of any mutual fund need to be in an amount that meets the minimum purchase amounts established by the mutual fund family. You may also be subject to Short Term Trading Fees if you redeem (or sell) these funds within 90 days from the date of purchase. Transaction Costs to Buy and Sell Mutual Funds that do not participate in Schwab's Mutual Fund OneSource service Trading Method Transaction Size Transaction Costs Online at $0 - $14, % of transaction value Online at $15,000 and above 0.56% of $15,000 plus 0.16% of amount over $15,000 Fees are subject to change at any time Note: All transaction costs are subject to a minimum cost of $35 and a maximum cost of $149. Initial and subsequent purchases of any mutual fund need to be in an amount that meets the minimum purchase amounts established by the mutual fund family. These funds may also be subject to a sales charge and/or a Contingent Redemption Fee. Transaction Costs to Buy and Sell Mutual Funds that do not participate in Schwab's Mutual Fund OneSource service Trading Method Transaction Size Transaction Costs TeleBroker or Schwab by Phone (Automated Phone Channel) $0 - $14, % of transaction value TeleBroker or Schwab by Phone (Automated Phone Channel) $15,000 and above 0.63% of $15,000 plus 0.18% of amount over $15,000

6 amounts established by the mutual fund family. These funds may also be subject to a sales charge and/or a Contingent Redemption Fee. Transaction Costs to Buy and Sell Mutual Funds that do not participate in Schwab's Mutual Fund OneSource service Trading Method Transaction Size Transaction Costs Broker Assisted Trades $0 - $14, % of transaction value Broker Assisted Trades $15,000 and above 0.70% of $15,000 plus 0.20% of amount over $15,000 Fees are subject to change at any time Note: All transaction costs are subject to a minimum cost of $39 and a maximum cost of $149. Initial and subsequent purchases of any mutual fund need to be in an amount that meets the minimum purchase amounts established by the mutual fund family. These funds may also be subject to a sales charge and/or a Contingent Redemption Fee. Additional Mutual Fund Fees In addition to any transaction and/or sales fees you may incur, there are two other types of fees that you should be aware of before purchasing any mutual fund through your PCRA account. Short Term Trading Fee If you sell a mutual fund that you own for 90 days or less, Schwab will assess a Short Term trading fee on each redemption (sale) through your PCRA account. This amount charged will be a minimum of $39 to a maximum of $199 based on the total amount of the sales proceeds and applies to all mutual funds that participate in Schwab s Mutual Fund OneSource service (except SchwabFunds ) and is paid directly to Schwab. Contingent Redemption Fee A Contingent Redemption Fee (CRF) is another type of fee that mutual fund families may charge their shareholders when the shareholders redeem (or sell) their shares within a specified period of time. A CRF is established to primarily discourage short term trading. CRF s are set by the fund families themselves and vary in cost and holding period requirements. Although a redemption fee is deducted from redemption (sales) proceeds just like a deferred sales load, it is not considered to be a sales load. A CRF is used to defray fund s costs associated with a shareholder s redemption and is paid directly to the fund, not to a broker or to Schwab. To learn more about Short Term Trading Fees and CRF s on funds you are considering purchasing or redeeming, please call Schwab at or log in to your account at Statements and Confirmations Schwab provides you with the following tools to help you manage your account: Quarterly brokerage statements detailing your PCRA activity and performance. Monthly transaction statements, if there are transactions made in that month. Trade confirmations that are mailed whenever you place a trade order in your PCRA. Online access to the last two years of activity in your PCRA at

7 1 Schwab Personal Choice Retirement Account (PCRA) is offered through Charles Schwab & Co., Inc. (member SIPC), a registered broker/dealer which also provides other brokerage and custody services to its customers. Schwab Retirement Plan Services, Inc. provides recordkeeping and related services with respect to retirement plans. Voting or similar rights associated with investments held under the PCRA will be passed through to Participants. ² Charles Schwab & Co., Inc. (member SIPC) receives remuneration from fund companies in the Mutual Fund OneSource program for recordkeeping and shareholder services, and other administrative services. ³ The Schwab Center for Investment Research is a division of Charles Schwab & Co., Inc. 4 Schwab Equity Ratings and the general buy/hold/sell guidance are not personal recommendations for any particular investor or client and do not take into account the financial, investment or other objectives or needs of, and may not be suitable for, any particular investor or client. 5 The VRS and/or WEB generally allows Participants and the Employer access to Schwab 24 hours per day, 7 days a week, excluding certain times during the year when the VRS and/or Web is off-line for software upgrades or for other routine system maintenance. Access to the VRS and Web may also be limited during periods of peak demand, however Schwab will be subject to the service levels related to access to the VRS and Web as described in the Agreement. Services available from the VRS and/or WEB may be upgraded from time to time and may be limited subject to choices made by the Employer and the Plan provisions. 6 Periodic investment plans [dollar-cost-averaging, dividend reinvestment or Schwab's Automatic Investment Plan ("AIP")] do not assure a profit and do not protect against loss in declining markets. You may request a prospectus, a financial statement, or investment report, which includes management fees, charges, and expenses. Please read the information carefully before you invest or transfer money. The principal value and investment returns will fluctuate with changes in market conditions. Your shares when redeemed may be worth more or less than their original cost. The Continental Pilots 401(k) Plan ( Pilots 401(k) Plan ) and the Continental Pilots Defined Contribution Plan ( B-Plan ) are each intended to be a participant-directed plan as described in Section 404(c) of the Employee Retirement Income Security Act of 1974 as amended. This means that fiduciaries of these plans are ordinarily relieved of liability for any losses that are the direct and necessary result of any investment instructions given by a participant or beneficiary. To access this information, please log in to your account at call Schwab at , or write to Schwab at P.O. Box 5050, Richfield, OH The CAL-ALPA Investment Committee has selected Schwab as the service provider for the 401(k) Plan and the B-Plan. To contact the Committee, please call or write to 1600 Smith Street, Houston, TX Charles Schwab Corporate Services (SCS) provides services to retirement plan sponsors and participants through Schwab Retirement Plan Services, Inc, The Charles Schwab Trust Company (CSTC), and Charles Schwab & Co., Inc. SCS also provides equity compensation plan services and other financial and retirement services to corporations and executives. Schwab Retirement Plan Services, Inc. provides recordkeeping and related services with respect to retirement plans. CSTC, a California statechartered trust company, provides trust and custody services to retirement plan sponsors. Charles Schwab & Co., Inc. (Member SIPC) is a registered broker/dealer, offering the Schwab Personal Choice Retirement Account (PCRA), as well as other brokerage and custody services to its customers. These entities are affiliates of each other and are wholly owned subsidiaries of The Charles Schwab Corporation.

8 2005 Schwab Retirement Plan Services, Inc. All rights reserved. ( ) Continental Airlines, Inc., CAL-ALPA Investment Committee, and Air Line Pilots Association Int l., are not affiliated with Charles Schwab.

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