1. Includes overlap between CTFs and fund families. As of March 31, 2012.

2. Windhaven Investment Management, Inc. (“Windhaven”), Charles Schwab & Co., Inc., and Charles Schwab Bank are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.

3. Materials included in the webcast and/or publications are for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each plan sponsor or consultant should carefully review an investment strategy before making any investment decision. Any expressions of opinion are subject to change without notice in reaction to shifting market conditions.

The information presented in this website is for use by plan sponsors and their authorized consultants, broker-dealers, and advisors. It is not for use by retirement plan participants.

The Schwab Managed Retirement Trust Funds™, Schwab Indexed Retirement Trust Funds®, Schwab Institutional Trust Funds®, and Schwab Stable Value Fund™ are collective trust funds maintained by Charles Schwab Bank, trustee of the Funds. The Charles Schwab Bank Collective Trust Funds are not insured by FDIC or any other type of deposit insurance; are not deposits or other obligations of, and are not guaranteed by, Charles Schwab Bank or any of its affiliates; and involve investment risks, including possible loss of principal invested. The Funds are not mutual funds, and their units are not registered under the Securities Act of 1933, as amended, or applicable securities laws of any state or other jurisdiction. The Funds are exempt from registration under the Investment Company Act of 1940, as amended, or other applicable law, and unit holders are not entitled to the protections of the 1940 Act. As more specifically defined in the Funds’ Declaration of Trust and Participation Agreement documents, the Funds are available for investment by (i) retirement plan trusts that qualify for exemption from federal income tax pursuant to Sections 401(a) and 501(a) of the Internal Revenue Code, or are maintained by a governmental employer under Section 414(d) of the Internal Revenue Code, or (ii) group trusts which consist solely of the assets of these types of plans. The decision to invest in the Funds should be carefully considered. The unit values for the Funds will fluctuate, and investors may lose money.

The Charles Schwab Corporation provides services to retirement and other benefit plans and participants through its separate but affiliated companies and subsidiaries: Charles Schwab Bank; Charles Schwab & Co., Inc.; Schwab Retirement Plan Services, Inc.; Schwab Retirement Plan Services Company; and Schwab Retirement Technologies, Inc. Brokerage products and services are offered by Charles Schwab & Co., Inc. (Member SIPC). Trust and custody products and services are offered by Charles Schwab Bank. Schwab Retirement Plan Services, Inc. and Schwab Retirement Plan Services Company provide recordkeeping and related services with respect to retirement plans. Schwab Retirement Technologies, Inc. is engaged in developing and licensing proprietary retirement plan recordkeeping systems to independent recordkeepers.

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