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OPEN A SCHWAB ACCOUNT ONLINE TODAY!*

http://schwab.wd10.com/cgi-bin/mail.dll?E754

****************************************************************
Dear Andrew,

Whatever your investment goals - especially during times
like this - Schwab has the financial products, tools and
personalized service you need to make important investment
decisions.  Open a Schwab account online today and take
advantage of all that Schwab has to offer! Just click here
to get started:

http://schwab.wd10.com/cgi-bin/mail.dll?E754

As a Schwab client, you'll enjoy the ultimate in personal
service and benefits such as:

*   Anywhere, anytime account access via web, phone,
    wireless or branch (1)
*   Online analysis of your current investment holdings
*   Objective third-party research
*   Extended-hours trading (2)
*   Competitive equity commissions as low as $14.95 per
    electronic trade (3)

Given today's changing market, most people can use some
advice in managing their investments.  Learn more about
Schwab's products and services by calling toll-free at
1-877-520-8233, Monday - Friday, 9:30 a.m. - 8:00 p.m.
(EDT) or visiting Schwab's premier website, voted "Best
Internet Broker" in Gomez Advisors Spring 2001 Scorecard:

http://schwab.wd10.com/cgi-bin/mail.dll?E755

Or find a Schwab Investment Specialist at the Schwab
branch nearest you:

http://schwab.wd10.com/cgi-bin/mail.dll?E756

Whether you are an active trader or a long term investor,
don't put it off - open a Schwab account online today
and open yourself up to a world of smarter investing!

Sincerely,

Joshua Rymer
Senior Vice President
Schwab Online Business Development

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* Account opening is subject to account acceptance
by Schwab. Funding and trading restrictions apply
until signed application has been received by
Schwab.

(1) Access to electronic services may be limited or
unavailable during periods of peak demand, market
volatility, systems upgrade, maintenance or other
reasons.

(2) Extended-hours trading may not be suitable for
all investors and poses certain risks.  These risks
include, but are not limited to, lower liquidity,
higher volatility and wider spreads.

(3) $14.95 commissions apply to automated equity
trades (for 1000 shares or less) in eligible
accounts once 61 or more qualifying trades are
placed per quarter. For more information, go to:

http://schwab.wd10.com/cgi-bin/mail.dll?E757

You can e-mail us by clicking on
mailto:info.request@schwab.com

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