YOU CAN GROW INVESTMENTS FASTER WITH A TAX-DEFERRED IRA


Dear Valued Investor,

An Individual Retirement Account (IRA) is one of the best ways 
to help build assets for your future. Because this investment 
account is tax-advantaged, it not only can COMPOUND FASTER 
than a brokerage account, but also defers payment of taxes.

YOUR SCHWAB IRA IS AN IMPORTANT PART OF YOUR RETIREMENT PLAN

IRAs are more flexible than ever:

*  As long as you have earned income, you can contribute to 
your IRA*
*  You can invest your IRA in bonds, stocks, mutual funds and 
money market funds, and trade as frequently as you like 
*  A tax-deferred IRA DELAYS ALL TAXES on income, not just 
capital gains, allowing your money to compound faster
*  You can make contributions to your IRA EVEN if you 
contribute to a 401(k)
*  Withdrawals can be made without penalty from your IRA for 
education financing, first-time home purchase or certain 
medical expenses

WE'VE MADE IT EASY TO OPEN YOUR IRA ONLINE TODAY**

Simply click below to apply for your IRA online.** Do it today, 
since this year's deadline to fund your IRA is April 16, 2001.

http://www.schwab.com/SchwabNOW/ReDir?linkID=6600&from=email


Sincerely,

Myra Rothfeld
Senior Vice President

*Certain restrictions on age may apply for traditional IRAs, 
and on income for Roth IRAs.  Consult your tax advisor or a 
Schwab representative for details.

**Subject to account acceptance by Schwab. Funding and 
trading restrictions apply until signed application has been 
received by Schwab.

----------------------------------------------------------------
Access to electronic services may be limited or unavailable 
during periods of peak demand, market volatility, systems 
upgrades or maintenance, or for other reasons.

We respect your privacy.  To minimize your receipt of duplicate 
information and for internal recordkeeping purposes, Schwab 
may track responses, if any, to this offer.  Read more about 
Schwab's privacy policy at:

http://www.schwab.com/privacy

If you would prefer to receive only account service emails, 
please reply to this email indicating your preference.  Please
note: doing so will not remove you from any Schwab Email Alerts 
newsletters, or information to which you have actively 
subscribed. 

Notice: All email sent to or from the Charles Schwab 
corporate email system may be retained, monitored and/or 
reviewed by Schwab personnel.

(C) 2001 Charles Schwab & Co., Inc. All rights reserved. 
Member SIPC/NYSE. CRS 12321 Sig/AT (0301-0052)


[[HRD3-H5N-RNEY3-D]] [IMAGE]