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The Future of Trading is Now--
Schwab's StreetSmart Pro(R) is Here.
Get 10 FREE trades and StreetSmart Pro(R) today!
Call 1-877-566-8819
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Dear Michael,

Charles Schwab presents StreetSmart Pro(R), our new fast,
sophisticated and fully integrated desktop trading software
for active traders.

If you trade actively and want to stay on top of the market,
experience Schwab's new StreetSmart Pro(R), powered by
CyberTrader(R).  Let StreetSmart Pro turn your PC into a
powerful on-line market data and trading tool that will
help you make more informed investing decisions.  With
StreetSmart Pro, you'll get integrated trade order entry
and streaming:

*   Nasdaq Level II Market Maker and ECN Quotes
*   Real-Time News from Dow Jones(R) and COMTEX News
    Networks, Inc.
*   Advanced Technical Charting
*   Customizable Quote Watch Lists
*   Time and Sales

To qualify to start trading with StreetSmart Pro and to
receive 10 free trades, call Schwab's Active Trader
specialists at 1-877-566-8819.

To learn more and to take an online tour of StreetSmart Pro,
click here:
http://schwab.wd10.com/cgi-bin/mail.dll?H028

Or, email us for further information:
mailto:ActiveTrader@schwab.com

Don't put it off - apply for a Schwab account today and get
StreetSmart Pro!

Sincerely,

Elizabeth Stelluto
Senior Vice President
Charles Schwab & Co., Inc.

**********************************************
Open a new Schwab retail brokerage account, deposit at least
$50,000 in net investable assets and demonstrate having placed
a minimum of 120 commissionable trades during the past calendar
year and receive 10 commission-free trades and access to
StreetSmart Pro - Schwab's newest trading software.

Commission-Free Equity Trades

Ten (10) commission-free equity trades limited to equity orders
up to 1,000 shares, each executed through StreetSmart Pro during
the first 30 days after opening and funding the account. Maximum
discount of $29.95 per trade will be assessed to trades executed
in excess of 1,000 shares. Maximum retail value of commission-free
trade offer is between $149.50 and $299.50 depending on commission
eligibility. Verification of commission waiver will appear on your
trade confirmation. Commission-free trade offer will expire without
notice for all orders not executed within 30 days of account funding.
No credit or other consideration will be made for unexecuted
commission-free trades.

Schwab StreetSmart Pro is available for domestic, nonprofessional
Signature Services Platinum clients who have made 120 or more
qualifying commissionable trades in the past year. In order to
continue to receive the StreetSmart Pro product for free, clients
must maintain their Signature Services Platinum status, trade 120
times a year and have at least $50,000 in net household equity with
Schwab. If your trading activity falls below certain levels,
Schwab reserves the right to charge a periodic fee for making
StreetSmart Pro available or to restrict access to Level II quote
and Time and Sales information.  This offer may be subject to
additional restrictions and may be changed at any time.

The speed and performance of streaming data may vary depending on
your modem speed, ISP connection and the number of securities you
maintain in your watch list. A Pentium 266MHz or better processor,
128MB RAM or more and a 56K or better modem are required. Available
for IBM-compatible PCs only. Access to electronic services may be
limited or unavailable during periods of peak demand, market
volatility, systems upgrades or maintenance, or for other reasons.

CyberTrader(R), Inc. (an affiliate of Charles Schwab & Co., Inc.)
provides technical services for StreetSmart Pro(R), a Schwab product.

Additional Terms and Conditions
Account must be opened and funded by November 9, 2001, to be eligible
for the offer. Deposits must be new to Schwab and must remain in the
account at least 180 days; margin loans and deposits or transfers
between Schwab accounts do not qualify. Offer is also subject to
verification of prior trading activity at another brokerage firm.
Offer is not transferable and not valid in conjunction with any other
Schwab offer. Limit one offer per household. Domestic, nonprofessional
accounts only. Other exceptions may apply. Schwab reserves the right
to discontinue this offer or further restrict this offer at any time.
Offer is valid until November 9, 2001, unless terminated earlier by
Schwab. Subject to account acceptance by Schwab. IRA and Schwab
Institutional(R) accounts are not eligible to receive the
commission-free trades.

Employees, officers and directors of Charles Schwab & Co., Inc., its
affiliates and parents are not eligible for this offer, nor are
employees of other broker-dealers and U.S. stock, options and commodities
exchanges.


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