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=09[IMAGE]=09Dear e.Bulletin Subscriber, =09=09 =09=09To improve your email experience, we have enhanced your Schwab e.Bull= etin and=20 Email Alerts. You will now receive them in a colorful, easy-to-read format= =20 with added functionality. For example your e.Bulletin, shown below, include= s=20 a table of contents for easier navigation. We hope you enjoy your enhanced= =20 services! =09=09 =09=09If you prefer to receive your e.Bulletin, and all your Email Alerts, = in plain=20 text format, please click here.=09[IMAGE]=09 [IMAGE]=09[IMAGE]=09[IMAGE]=09[IMAGE]=09[IMAGE] =20 ?=09 Schwab Signature Services=09 May 2001=09?? =09=09=09[IMAGE] =09=09=09 =09 In this Edition=20 =09 =09 =09 =09[IMAGE] =09 Schwab Market Update=20 =09 =09 =09[IMAGE] =09 Perspectives=20 =09 =09 =09[IMAGE] =09 Signature Investor's Toolbox=20 =09 =09 =09[IMAGE] =09 News and Announcements=20 =09 =09 =09=09Schwab Signature Services e.Bulletin=09Photo =09=20 =09 =09 =09 Schwab Market Update=20 =09 =09 =09 =09 =09Daily Market Recap=20 =09 =09 Read about what happened in the market today* in the Daily Market Reca= p. =09 =09 * The content on this page is updated daily, after the market close.=20 Therefore, no matter when you click on this link, you will get the most=20 current Daily Market Recap. Save this e.Bulletin and get a new market recap= =20 at the end of each business day. =20 =09 =09 =09 =09 =09April Market Summary=20 =09 =09 Read about what happened in the market last month in the April Market= =20 Summary.=20 =09 =09 =09 =09 =09Return to Top =20 =09 =09 =09 =09[IMAGE] =09=20 =09 =09 =09 Perspectives =20 =09 =09 =09[IMAGE] =09 From Charles R. Schwab: Surviving a Down Market=20 =09 =09 =09[IMAGE] =09 Marriage Penalty: The Taxing Side of Marriage=20 =09 =09 =09[IMAGE] =09 Section 529 Plans: Can They Help You Pay for College?=20 =09 =09 =09 =09 =09[IMAGE] =09 =09 From Charles R. Schwab: Surviving a Down Market =20 =09 =09 In this timely excerpt from one of his books, Charles Schwab describes = what=20 actions to take (or not to take) when markets are declining.=20 =09 =09 =09 =09 =09Read the Full Article ??|?? Return to Top =20 =09 =09 =09 =09[IMAGE] =09 =09 Marriage Penalty: The Taxing Side of Marriage=20 =09 =09 After the vows, the ring and the champagne come the.......taxes! The=20 so-called "marriage tax" was created when one-income households were the=20 norm. Unfortunately, the tax code has not kept pace with changes in society= .=20 This article explains how the marriage tax can affect your household=20 finances.=20 =09 =09 =09 =09 =09Read the Full Article ??|?? Return to Top =20 =09 =09 =09 =09[IMAGE] =09 =09 Section 529 Plans: Can They Help You Pay for College? =20 =09 =09 Saving for college tuition is a big worry for parents. Section 529 of t= he=20 IRS Code was designed to help families save for college costs. Here's an=20 analysis of what Section 529 means for you. =20 =09 =09 =09 =09 =09Read the Full Article ??|?? Return to Top =20 =09 =09 =09 =09[IMAGE] =09=09 =09=09 =09=09 =09=09 =09=09 Looking for Nasdaq Level II data? =09=09 =09=09Learn more about Schwab StreetSmart Proc by logging into the Signatur= e=20 Services Center. =09=09 =09=09 Go =09=09 =09=09 =09=09 =09=09 =09=09 =09=09 =09=09May Trading Quiz =09=09 =09=09See how you stack up against other Schwab investors. =20 =09=09 =09=09Take this quick quiz! =09=09 =09=09 Go =09=09 =09=09 =09=09 =09=09 =09=09 =09=09 =09=09The Proactive Investor's Calendar =09=09 =09=09Check out our calendar of upcoming events, key economic indicators an= d what=20 to think about in the month ahead. =09=09 =09=09 Go =09=09 =09=09 =09=09 =09=09 =09=09 =09=09 =09=09Coming Soon! New Magazine from Women Investing Now =09=09 =09=09Watch your mailbox! On Investing - Smart Strategies for Women Investo= rs will=20 be arriving in May. Click Go to learn more about Women Investing Now. =09=09 =09=09Go =09=09 =09=09 =09=09 =09=09 =09=09Signature Investor's Toolbox=20 =09=09 =09=09 =09=09 =09=09 =09=09 =09=09[IMAGE] =09=09Smarter Cash Management=20 =09=09 =09=09 =09=09[IMAGE] =09=09 Stay Up-to-date on Your Mutual Funds=20 =09=09 =09=09 =09=09[IMAGE] =09=09 Email Alerts Keep You Up-to-the-minute=20 =09=09=09 =09=09=09[IMAGE] =09=09 Smarter Cash Management=20 =09=09 =09=09 Your everyday cash has earning potential. That's why we created the = Schwab=20 Access=0FT account. This account puts powerful cash management features at = your=20 fingertips, all for no monthly fee. We've made changes recently, providing= =20 more-detailed account balance information and streamlining the account's=20 transaction history. We've also improved the navigation on schwab.com, maki= ng=20 it faster, with fewer clicks to get the information you need. =09=09 =09=09Log in to your Schwab Access account today: www.schwab.com. =09=09 =09=09Don't have an Access account? Learn more or request an application: = =20 www.schwab.com/access. =09=09 =09=09 Schwab Access is not a bank checking account and is not FDIC insured= . =20 =09=09 =09=09=09 =09=09Return to Top =09 =09=09=09[IMAGE] =09=09 Stay Up-to-date on Your Mutual Funds=20 =09=09 =09=09Get news, analyses and data directly from leading fund companies* wit= h our=20 new DirectDetail=0FT service on schwab.com. You'll find commentaries from= =20 portfolio managers, insights on top ten holdings, and analyses of investmen= t=20 strategies, for example. =09=09 =09=09Together with Morningstar=0FT data already on schwab.com, DirectDetai= l provides=20 the insights to help you make more informed investment decisions =0F- all i= n one=20 place. =09=09 =09=09*DirectDetail is currently available for six leading mutual fund comp= anies:=20 Janus, American Century Investments, INVESCO Funds, Firsthand Funds,=20 SchwabFunds (launches 6/01) and Dreyfus. =09=09 =09=09For a prospectus containing more complete information, such as fees a= nd=20 expenses, call Schwab at 1-800-435-4000. Read the prospectus carefully befo= re=20 investing. =09=09=20 =09=09 =09=09=09 =09=09More information ??|?? Return to Top =09 =09=09=09[IMAGE] =09=09 Email Alerts Keep You Up-to-the-minute=20 =09=09 =09=09 Schwab's Email Alerts are an easy way to monitor your investments an= d keep=20 track of financial markets. You just select the information you want to=20 receive and we'll send it to you regularly via email. The Alerts Wizard wil= l=20 help you pick the Email Alerts most appropriate for your financial needs.= =20 There are over 35 Email Alerts from which to choose, including:=20 =09=09 =09=09Rapid Price Alerts, Earnings Announcements and News Alerts =0F- Signa= ture=20 exclusive Alerts, all for specific securities that you select =09=09Market Updates and Commentary - Keep up with the latest market events= and=20 news =20 =09=09Trade Confirmations and Notifications - timely information delivered = directly=20 to your email inbox - no more calling or logging in needed to check your=20 trade order status=20 =09=09 =09=09Using the new Alerts Wizard is easy. After clicking on the link, log = in and=20 simply follow the prompts. The Wizard will suggest Email Alerts best suited= =20 for your investing needs.=20 =09=09 =09=09=09 =09=09 More information ??|?? Return to Top =09 =09=09=09[IMAGE] =20 =09=09 News and Announcements=20 =09=09 =09=09=09 =09=09Calling All Options Traders! New Pricing!=20 =09=09 =09=09 Schwab has simplified the pricing for options trades placed through= =20 schwab.com and TeleBrokerc, our automated touch-tone phone service. =09=09 =09=09The new pricing structure will result in much lower fees for most aut= omated=20 options transactions. The new commissions for these trades are: $29.95 for= =20 the first contract; $2.00 for each additional contract on trades of less th= an=20 30 contracts; or $1.75 on trades of 30 or more contracts. =09=09 =09=09To view the full options commission schedule, click here. =09=09 =09=09To place an option trade, go to www.schwab.com, or call TeleBroker at= =20 1-800-272-4922. (Have your account number and PIN ready. Your phone PIN is= =20 not the same as your Web password.) =09=09 =09=09 Options carry a high level of risk and are not suitable for all inve= stors.=20 Certain requirements must be met to trade options through Schwab. =20 =09=09 =09=09=09 =09=09More information ??|?? Return to Top =09 =09=09=09[IMAGE] =09 To change your email address: =09Log on to the page that will allow you to update your email address secu= rely.=20 For your protection, we are unable to accept instructions to change your=20 email address sent in reply to this message. =09 =09 =09 =09The Schwab e.Bulletin is a complimentary subscription for our clients. I= f you=20 would prefer not to receive this in the future: =091. Log on to your account. =092. Under "My Alerts," check the box marked "delete" next to e.Bulletin a= nd=20 then click "submit." =09 =09 =09 =09For account service questions, please send a secure email by logging on = to=20 your account. =09 =09 =09 =09To provide feedback about Schwab's e.Bulletin, please send all feedback= =20 directly to online.editor@schwab.com =09 =09 =09 =09We appreciate your comments! =09 =09 =09 =09The Schwab e.Bulletin mailing list is managed and used exclusively by Ch= arles=20 Schwab & Co., Inc. Schwab does not sell or rent information about its=20 customers to any third party. =09 =09Notice: All email sent to or from the Charles Schwab corporate email sys= tem=20 may be retained, monitored, and/or reviewed by Schwab personnel. =09 =09, 2001 Charles Schwab & Co., Inc. All rights reserved. Member SIPC/NYSE.= =20 (0501-12852). =09 =09 =09=20 [IMAGE]? [IMAGE]
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