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<HTML><HEAD><TITLE>Charles Schwab - Creating a world of smarter investors.</TITLE>
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<BODY aLink=#6699ff bgColor=#ffffff link=#3366cc text=#000000
vLink=#3366cc><B>From:</B> Charles Schwab & Co.
[[email protected]]<BR><B>Sent:</B> Monday, May 08, 2000 11:22
PM<BR><B>To:</B> [email protected]<BR><B>Subject:</B> Test-After
changes-ERC/MFRCAct now to get $75 off at BananaRepublic.com<BR><!-- Begin Promotion 0008 --><!-- Begin Shell 1 -->
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<TD width=127><IMG align=top alt="Charles Schwab" border=0 height=23
src="http://schwab.ann0.com/images/livelaunch/EMSchwabWhiMed.gif"
width=127></TD>
<TD bgColor=#336699 width=423><FONT color=#ffffff
face=helvetica,arial size=2> <B>Creating a world of
smarter investors </B></FONT></TD></TR></TBODY></TABLE></TD></TR><!-- End Brand Bar -->
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<TD><FONT color=#000000 face=helvetica,arial size=3><IMG alt=""
height=1 src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=3></FONT></TD>
<TD bgColor=#000000><FONT color=#003366 face=helvetica,arial
size=3><B><I></I></B></FONT></TD>
<TD><FONT color=#000000 face=helvetica,arial
size=3> </FONT></TD></TR></TBODY></TABLE></TD></TR><!-- End Eyebrow --></TBODY></TABLE><!-- End Shell 1 --><!-- Begin Shell 2 -->
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<TD><IMG alt="" height=1
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF" width=166></TD>
<TD><IMG alt="" height=1
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=384></TD></TR><!-- End Table Width Guide --><!-- Begin Offer Head A -->
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<TD width=394><FONT color=#333399 face=helvetica,arial size=5>INVEST
SMART.</FONT></TD></TR></TBODY></TABLE></TD></TR><!-- End Offer Head A -->
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<TD align=left vAlign=top><IMG align=middle alt="" border=0
src="http://schwab.ann0.com/images/livelaunch/EMPho005.GIF"></TD><!-- End Photo Column --><!-- Begin Letter Column -->
<TD align=right><IMG alt="" height=7
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF" width=384><BR><!-- Begin Promo Box -->
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<TD bgColor=#9999cc colSpan=3><IMG alt="" height=2
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=382></TD></TR>
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<TD bgColor=#9999cc colSpan=3><IMG alt="" height=10
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=382></TD>
<TD bgColor=#999999><IMG alt="" height=10
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=2></TD></TR>
<TR align=middle vAlign=center>
<TD bgColor=#9999cc><IMG alt="" height=1
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=2></TD>
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<TD height=10 width=10><IMG alt="" height=10
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=10></TD>
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<TD height=10 width=10><IMG alt="" height=10
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
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<TD colSpan=5><FONT color=#333399 face=helvetica,arial
size=5>DRESS <NOBR>THE PART.</NOBR></FONT></TD></TR>
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<TD></TD>
<TD><A
href="http://schwab.ann0.com/cgi-bin/gx.cgi/mcp?p=035uE035tQ2ic0120011mgdYtgdlS"><IMG
alt="" border=0
src="http://schwab.ann0.com/images/livelaunch/EMActBtnIdea.GIF"></A></TD>
<TD><IMG alt="" height=1
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=12></TD>
<TD><FONT face=helvetica,arial size=2>Open a Schwab account
online now and get $75 off at BananaRepublic.com!* <BR><IMG
alt="" height=6
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=1><BR><A
href="http://schwab.ann0.com/cgi-bin/gx.cgi/mcp?p=035uE035tQ2ic0120011mgdYtgdlS">Apply
Now</A> </FONT></TD>
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<TD></TD>
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<TR>
<TD height=7></TD></TR></TBODY></TABLE></TD>
<TD bgColor=#9999cc><IMG alt="" height=1
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=2></TD>
<TD bgColor=#999999><IMG alt="" height=1
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=2></TD></TR>
<TR align=middle vAlign=center>
<TD bgColor=#9999cc colSpan=3><IMG alt="" height=12
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=382></TD>
<TD bgColor=#999999><IMG alt="" height=12
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=2></TD></TR>
<TR align=middle vAlign=center>
<TD><IMG alt="" height=2
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=2></TD>
<TD bgColor=#999999 colSpan=3><IMG alt="" height=2
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=382></TD></TR></TBODY></TABLE><!-- End Promo Box --><IMG alt=""
height=13 src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF"
width=384><BR><!-- Begin Letter -->
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<TD><FONT face=helvetica,arial size=2>Dear Valued
Investor,</FONT></TD></TR>
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<TD><FONT color=#000000 face=helvetica,arial size=2>As an investor,
you have unique financial needs and goals. Whether you're saving for
your first home or planning for retirement, Schwab provides a full
range of products and services that fit your lifestyle.</FONT></TD></TR><!-- End Letter Body --><!-- Begin Letter Body -->
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<TD height=8></TD></TR>
<TR align=left vAlign=top>
<TD><FONT color=#000000 face=helvetica,arial size=2>When you become
a customer, you get convenient account access by Web or phone,
planning tools, and personalized help and advice at over 350
branches nationwide. You also can choose from a wide range of
investments available at Schwab, including stocks, bonds and mutual
funds.</FONT></TD></TR><!-- End Letter Body --><!-- Begin Letter Subhead -->
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<TD><FONT color=#333399 face=helvetica,arial size=3><B>Open your
Schwab account today!</B></FONT></TD></TR><!-- End Letter SubHead --><!-- Begin Letter Body -->
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<TD><FONT color=#000000 face=helvetica,arial size=2>Taking control
of your financial future is smart. To get started, open a Schwab
account online by July 1, 2000, and get $75 off a purchase of $150
or more at BananaRepublic.com!</FONT></TD></TR><!-- End Letter Body --><!-- Begin Letter Link -->
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<TD height=4></TD></TR>
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<TD><FONT color=#000000 face=helvetica,arial size=2><A
href="http://schwab.ann0.com/cgi-bin/gx.cgi/mcp?p=035uE035tQ2ic0120011mgdYtgdlS">Learn
more.</A></FONT></TD></TR>
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<TD height=4></TD></TR><!-- End Letter Link --><!-- Begin Letter Body -->
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<TD><FONT color=#000000 face=helvetica,arial size=2>If you have
questions about how we can help you work toward your financial
goals, or would like personal assistance, please contact a Schwab
Investment Specialist by replying to this e-mail or calling
1-800-433-9135 from 8:30 a.m. to 5:00 p.m. Eastern
Time.</FONT></TD></TR><!-- End Letter Body --><!-- Begin Letter Signature -->
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<TD><FONT face=helvetica,arial size=2>Sincerely,</FONT></TD></TR>
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<TD><FONT face=helvetica,arial size=2>Joshua Rymer<BR>Senior Vice
President<BR>Schwab Electronic Brokerage<BR></FONT></TD></TR><!-- End Letter Signature --><!-- Begin Letter PS -->
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<TD align=right><FONT face=helvetica,arial
size=2>P.S. </FONT></TD>
<TD><FONT face=helvetica,arial size=2>Find out how to
accelerate your online investing with our easy-to-use
Velocity™ trading software. Velocity is available to our
Signature Services™ clients who have $100,000 in assets, or
trade at least 12 times a year with at least $10,000 in a
Schwab account.</FONT></TD></TR>
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<TD height=6></TD></TR>
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<TD></TD>
<TD><FONT face=helvetica,arial size=2><A
href="http://schwab.ann0.com/cgi-bin/gx.cgi/mcp?p=035tD035tQ2ic0120011mgdYtgdlS">Learn
more.</A></FONT></TD></TR></TBODY></TABLE></TD></TR><!-- End Letter PS --></TBODY></TABLE><!-- End Letter --></TD><!-- End Letter Column --></TR></TBODY></TABLE><!-- End Shell 2 --><!-- Begin Shell 4 -->
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<TD bgColor=#666666><IMG alt="" height=1
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF" width=1></TD></TR><!-- End Divider -->
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<TD height=8></TD></TR><!-- Begin Offer Disclaimer -->
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<TD><FONT color=#666666 face="helvetica, arial" size=1>*Only one Banana
Republic online promotion code is allowed per eligible account opened
online at schwab.com. Not applicable with any Schwab IRA account(s). Offer
expires July 1, 2000. Each online promotion code is valued at $75.00 off
any single merchandise purchase of $150.00 or more at BananaRepublic.com,
exclusive of tax, shipping and handling charges, gift wrapping charges,
gift certificates or other comparable charges. Purchases must be made and
shipped in the United States. Online promotion codes cannot be combined
with any other Banana Republic offer or coupons and are not redeemable for
cash. Promotion codes are valid through September 30, 2000 and are only
available while supplies last. Customers must provide Schwab with a valid
email address to receive the online promotion code. Customers will receive
the online promotion code via email within 4-6 weeks after Schwab receives
a signed account application. Offer not valid for employees of Banana
Republic, Gap Inc., Charles Schwab & Co., Inc. or its
affiliates.</FONT></TD></TR><!-- End Offer Disclaimer -->
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<TD height=8></TD></TR><!-- End Promotion 0001 -->
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<TD><FONT color=#666666 face="helvetica, arial" size=1>Access to
Electronic Services may be limited or unavailable during periods of peak
demand, market volatility, systems upgrade, maintenance or other
reasons.</FONT></TD></TR>
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<TD height=6></TD></TR><!-- Begin Divider -->
<TR align=left vAlign=top>
<TD bgColor=#666666><IMG alt="" height=1
src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF" width=1></TD></TR><!-- End Divider -->
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<TD height=8></TD></TR>
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<TD><FONT color=#666666 face="helvetica, arial" size=1>We respect your
e-mail preferences. If you prefer not to be notified of upcoming special
promotions or receive future e-mail communications of this type, <A
href="http://schwab.ann0.com/cgi-bin/gx.cgi/mcp?p=035uQ2PH35tQ2ic0120011mgdYtgdlS">please
click here</A> to update our records.</FONT></TD></TR><!-- End eMail Info --><!-- Begin Notice -->
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<TD><FONT color=#666666 face="helvetica, arial" size=1>NOTICE: All e-mail
sent to or from Charles Schwab corporate e-mail system may be retained,
monitored and/or reviewed by Schwab personnel.</FONT></TD></TR><!-- End Notice --><!-- Begin Copyright -->
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<TD><FONT color=#666666 face="helvetica, arial" size=1>©2000 Charles
Schwab & Co., Inc. All rights reserved. Member SIPC/NYSE.
(0400-5791)</FONT></TD></TR><!-- End Copyright -->
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