Charles Schwab

<html> <head> <title>Individual Retirement Account Planning -- Charles Schwab</title> <meta name="description" content="Individual Retirement Account - Discover the Schwab Advantage-Easy, Individual Retirement Account. Charles Schwab.com offers the Individual Retirement Account that makes it easy to invest.">   </head> <body bgcolor="#408080" text="#000000" link="#800000" vlink="#400000" alink="#FF0000"> <h2 align="left"><font size="4"><b>Individual Retirement Account</b></font></h2> <p align="center">  The following <a href="http://www.charles-schwab.com/stocks/individual_retirement_account/"><em>Individual Retirement  account</em></a> Planner will help you calculate how much you <br>   need to save each year in order to meet your goals.</p> <p>We've added a new individual <a href="http://www.charles-schwab.com/cs4/retirement_planning/"><b>Retirement</b></a> account Planning tool in the Customer Center that lets you assess your current individual <a href="http://www.schwab-online.com/cs5/retirement/"><b>retirement</b></a> account situation, evaluate alternatives, and receive direction on how to put your goals within reach. </p> <p>If you have a Schwab account, log in to the Customer Center to access this new tool. For more information on opening an individual retirement account, click <a href="http://www.charles-schwab.com">here</a>.</p> <p>It's important to determine how much you'll need to enjoy a comfortable <br>   <a href="http://www.schwab-online.com/cs1/individual_retirement_account/"><b>individual retirement account</b></a>. The sooner you start saving, the more time your money has to <br>   grow. If you're a new investor, you should first develop a plan to identify <br>   your tolerance for risk and investing timeline. </p> <p><img src="http://www.schwab-online.com/images/SN090HomeChart.gif" width="182" height="196"></p> <p align="center">Š1998 Charles Schwab & Co., Inc. All rights reserved. <br>   Member SIPC/New York Stock Exchange, Inc. 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