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April 2008

Charles Schwab Pricing Guide for Individual Investors
Pricing information in this Guide supersedes prior versions. Contents
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Minimum Deposit Requirements . . . . . . . . . . . . . . .2 Commissions and Transaction Fees . . . . . . .. . . . . .2 Account Activity Fees . . . . . . . . . . . . . . . . . . . . . . . .3 Special Service Fees . . . . . . . . . . . . . . . . . . . . . . . .4 Endnotes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4

How to Reach Us:
By Phone: Schwab by Phone™: To reach an Investment Professional or to use our automated phone services, call 1-800-435-4000. TeleBroker®: For accessto our automated touch-tone services, call 1-800-2SCHWAB (1-800-272-4922). For services in : 1-800-662-6068

For services in español: 1-800-786-5174 International clients: For services in English, español, call 1-415-667-5009. By Web and Wireless: www.schwab.com chinese.schwab.com www.schwab-global.com www.schwab.co.uk Web-enabled phone: Look for Schwab on your phone’s web menu. PDA: Consultwww.schwab.com/wireless on your desktop.
Schwab reserves the right to change or waive fees at our discretion, subject to notification in accordance with applicable laws and regulations.

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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 commission rates, transactionfees, and key account charges and service fees. Information detailed in this Guide also applies to international clients (clients residing, or who later move, outside the U.S., its territories and possessions). Commissions and fees described in this Guide are stated in U.S. dollars. Not all products and services are available in all countries, and may be subject to country-speci c restrictions. Aseparate pricing guide applies to clients associated with Charles Schwab, Hong Kong, Ltd. Certain clients may have a different pricing structure based on assets or activities in their accounts at Schwab.

accounts for purposes of Household Calculations. If an account is added to Accounts of Your Household, any impact on Household Calculations may not take effect until the following quarter.Householding rules applicable to duciary accounts are as follows: IRA, Custodial and certain Trust accounts that meet Schwab’s householding guidelines generally will be automatically included in Accounts of Your Household and Household Calculations. If you have an IRA, Custodial or Trust account and you are acting in a duciary capacity, it is your responsibility and not Schwab’s to consider whether itis appropriate to consider the balances and activities of that account in Household Calculations, which could bene t the duciary account and/or other Accounts of Your Household. You must contact Schwab to request that the balances and activities of your duciary account not be included in Accounts of Your Household and Household Calculations if you determine that it is not appropriate. Quali edRetirement Plan (QRP), Keogh, Company Retirement Account (CRA), Pension Trust, Individual 401(k) and 403(b)(7) accounts (collectively, “Retirement Plan Accounts”) are not automatically included in Household Calculations. However, for certain services, the account holder of the Retirement Plan Account may elect to include the Retirement Plan Account in Accounts of Your Household and HouseholdCalculations by providing Schwab with written instructions to do so. Please contact Schwab for the required form. Automated Phone Trades—Trades placed through Schwab by Phone™ and TeleBroker® . Direct Access—A feature that allows trades to be placed directly through an electronic communications network, market maker or exchange. Household Balance—The total combined value, over a given period of time, of...