<meta http-equiv=Content-Type content="text/html; charset=unicode">



<meta name=Generator content="Microsoft SafeHTML">



        <title>Charles Schwab &amp; Co., Inc.</title>



        



                



                



                                        















<img src="http://open.rm05.net/open/log/632554/NDA2MTc3NTM1MwS2/0/ODc5MjcwNTkS1/1"><font size=1 color="#000000" face=ARIAL><center>If you are unable to see the message below, <a href="http://www.graycurrent.com/" target="_blank">click here to view</a>.</font><font face=ARIAL color="#808080" size=2><br>



</font></center>



















<table border=0 width=550 cellspacing=0 cellpadding=0 bgcolor="#B2975D">



        <tr>



        <td><img src="http://www.schwabinsights.com/eimages_global/ClrPix.gif" alt="" width=20 height=1 border=0></td>



        <td><img src="http://www.schwabinsights.com/eimages_global/ClrPix.gif" alt="" width=320 height=1 border=0></td>



        <td><img src="http://www.schwabinsights.com/eimages_global/ClrPix.gif" alt="" width=190 height=1 border=0></td>



        <td><img src="http://www.schwabinsights.com/eimages_global/ClrPix.gif" alt="" width=20 height=1 border=0></td>



        </tr>







        <tr>



        <td></td>



        <td align=left valign=top colspan=2>&nbsp;</td>



        <td></td>



        



        </tr>







        <tr><td height=10></td></tr>







        <tr>        



        <td></td>



        <td align=left valign=top><a href="http://www.ridepossible.com/"><img src="http://www.ridepossible.com/1.gif" border="0"></a></td>



        <td align=right valign=top><font size=2 face="arial, helvetica, sans-serif" color="#FFFFFF">July 22, 2007</font></td>



        <td></td>



                



        </tr>







        <tr><td height=8></td></tr>



</table>



















<table border=0 width=550 cellspacing=0 cellpadding=0 bgcolor="#FFFFFF">















        <tr>



        <td colspan=4 bgcolor="#B2975D"><img src="http://www.schwabinsights.com/eimages_global/ClrPix.gif" alt="" width=1 height=1 border=0></td>



        </tr>



        



        <tr>



        <td><img src="http://www.schwabinsights.com/eimages_global/ClrPix.gif" width=20 height=10 border=0 alt=""></td>



        <td><img src="http://www.schwabinsights.com/eimages_global/ClrPix.gif" width=500 height=1 border=0 alt=""></td>



        <td><img src="http://www.schwabinsights.com/eimages_global/ClrPix.gif" width=15 height=1 border=0></td>



        <td bgcolor="#B2975D"><img src="http://www.schwabinsights.com/eimages_global/ClrPix.gif" width=10 height=1 border=0 alt=""></td>



        </tr>



                



        <tr>



        <td></td>



        <td><font size=1 face="arial, helvetica, sans-serif" color="#333333">



        <br>



        To unsubscribe, please click here.<br>







    <br>



    To read more about Schwab's privacy policy, go to http://www.schwab.com/privacy.<br>



    



    



        <br>



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



        <br>



        ©2007 Charles Schwab &amp; Co., Inc. All rights reserved. Member <a name="www_sipc_org" href="http://www.sipc.org" target="_blank">SIPC</a>.  <nobr>CSA 03560 (0707-6305)  EML35606A-10 (07/07)</nobr><br><br></font></td>



        <td></td>



        <td bgcolor="#B2975D"><img src="http://www.schwabinsights.com/eimages_global/ClrPix.gif" width=1 height=1 border=0 alt=""></td>



        </tr>



                



</table>