Important Disclosures

THE SCHWAB 529 COLLEGE SAVINGS PLAN

Before investing, carefully consider the plan’s investment objectives, risks, charges, and expenses. This information and more about the plans can be found in the Schwab 529 Guide and Participation Agreement available from Charles Schwab & Co., Inc., and should be read carefullybefore investing.

You may request a Schwab 529 Guide and Participation Agreement by calling (800) 435-4000 or going to Schwab.com/529. If you are not a Kansas taxpayer, consider before investing whether your or the beneficiary’s home state offers a 529 plan that provides its taxpayers with state tax and other benefits not available through this plan. Tax and financial aid treatment of 529 plans is subject to change. As with any investment, it is possible to lose money by investing in this plan.

The Schwab 529 College Savings Plan is available through Charles Schwab & Co., Inc., and is managed by American Century Investment Management, Inc. The Plan was created by the Kansas State Legislature under the provisions of Section 529 of the Internal Revenue code and is administered by Kansas State Treasurer Lynn Jenkins, CPA. Notice: Accounts established under the Schwab 529 Plan and their earnings are neither insured nor guaranteed by the State of Kansas, the Kansas State Treasurer, American Century Investment or Charles Schwab & Co., Inc. Accounts established under the Schwab 529 Plan are domiciled at American Century Investment and not at Schwab.

MUTUAL FUND MARKETPLACE®
Investors should carefully consider information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling Schwab at (800) 435-4000. Please read the prospectus carefully before investing.

Charles Schwab & Co., Inc. (member SIPC) receives remuneration from fund companies in the Mutual Fund OneSource® program for recordkeeping and shareholder services, and other administrative services. Schwab also may receive remuneration from transaction fee fundcompanies for certain administrative services.

SCHWAB EQUITY RATINGS®

Schwab Equity Ratings and the general buy/hold/sell guidance are not personal recommendations for any particular investor or client and do not take into account the financial, investment, or other objectives or needs of, and may not be suitable for, any particular investor or client. Investors and clients should consider Schwab Equity Ratings as only a single factor in making their investment decision while taking into account the current market environment.

STREETSMART EDGE™
Schwab’s StreetSmart Edge is available for Schwab Active Investing clients. Access to NASDAQ TotalView® is provided for free to non-professional clients who have made 120 or more equity and/or options trades in the last 12 months, 30 or more equity and/or options trades in either the current or previous quarters, or maintain $1 million or more in household balances at Schwab. Schwab Active Investing clients who do not meet these requirements can subscribe to NASDAQ TotalView for a quarterly fee. Professional clients may be required to meet additional criteria before obtaining a subscription to NASDAQ TotalView. This offer may be subject to additional restrictions or fees, and may be changed at any time.

ATM FEES

Unlimited ATM fee rebates apply to cash withdrawals using the Schwab One Visa® Platinum Check Card or the Schwab Bank Visa® Platinum Debit Card (also referred to as a “Check Card” or “Visa Check Card”) at ATMs where they are accepted. ATM fee rebates do not apply to any fees other than fees assessed for using an ATM to withdraw cash from your Charles Schwab & Co., Inc. Schwab One® brokerage account or your Charles Schwab Bank account. Charles Schwab & Co., Inc. and Charles Schwab Bank make their best efforts to identify those ATM fees eligible for rebate, based on information they receive from Visa and from ATM operators. In the event that you have not received a rebate for a fee that you believe is eligible, please call a Schwab One Client Service Specialist at (800) 421-4488 or a Schwab Bank Client Service Specialist at (888) 403-9000. Charles Schwab & Co., Inc. and Charles Schwab Bank reserve the right to modify or discontinue this ATM fee rebate at any time.

EXCHANGE TRADED FUNDS
Investors should carefully consider information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling Schwab at (800) 435-4000. Please read the prospectus carefully before investing.

Some specialized exchange traded funds can be subject to additional market risks. Investment returns will fluctuate and are subject to market volatility such that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Commission-free trades are available through the broker-dealer subsidiary of The Charles Schwab Corporation, Charles Schwab & Co., Inc., member SIPC. Schwab ETFs are distributed by SEI Investments Distribution Co. (SIDCO). SIDCO is not affiliated with The Charles Schwab Corporation or any of its affiliates.

SCHWAB BANK
Brokerage Products: | Not FDIC -Insured | No Bank Guarantee |· May Lose Value

Charles Schwab & Co., Inc. and Charles Schwab Bank are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products are offered by Charles Schwab & Co., Inc., member SIPC. Deposit and lending products and services are offered by Charles Schwab Bank, Member FDIC and an Equal Housing Lender.

SCHWAB MOBILE APPLICATIONS
System availability and response times are subject to market conditions and mobile connection limitations. Trades received outside normal market hours will be entered for the next business day.

FIXED INCOME
Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Investment value will fluctuate, and bonds, when sold, may be worth more or less than original cost. Fixed income securities are subject to various other risks including changes in interest rates and credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors. Prior to investing, you should read and consider carefully information contained in the offering circular, preliminary prospectus, or preliminary official statement (each, an “Offering Document”). Tax-exempt income may be subject to the Alternative Minimum Tax (AMT) and capital gain taxes. Consult the Offering Document and a tax advisor regarding your particular tax situation. Investments in managed accounts should be considered in view of a larger, more diversified investment portfolio. Investors should carefully consider information contained in Schwab’s Managed Account Services brochure and PIMCO®’s Form ADV or brochure. You can request this information by calling Schwab at (800) 435-4000. PIMCO is a registered trademark of Pacific Investment
Management Company LLC.

Charles Schwab & Co., Inc. (“Schwab”) and Pacific Investment Management Company LLC (“PIMCO”) are separate and unaffiliated companies.

J.P. MORGAN

J.P. Morgan’s Institutional research team was rated the #1 All-America Fixed Income Research team by Institutional Investor, 2010. J.P. Morgan is the marketing name for JPMorgan Chase & Co. and its subsidiaries and affiliates worldwide. J.P. Morgan Securities LLC is a member of NYSE and SIPC.

OTHER:
Schwab Advisor Services™ (formerly Schwab Institutional®) includes the custody, trading, and support services of Schwab.

Charles Schwab, Schwab, Charles Schwab Bank and other trademarks appearing herein, which may be indicated by “®” and “™”, are registered trademarks of Charles Schwab & Co., Inc., in the U.S. and/or other countries. These trademarks and registered trademarks are proprietary to Charles Schwab & Co., Inc., in the U.S. and/or other countries.