• Complete the Investor Profile Questionnaire – a tool designed to assist you in determining your investing time horizon and risk tolerance. The questionnaire follows this page or you can view it online at www.schwab.com/workplace.
• Select the funds that interest you and determine the percentage of your paycheck that you would like to allocate to each fund.
• Re-evaluate your financial plan and investment risk regularly to meet your retirement goals.

Investors should consider carefully information contained in the prospectus, including investment objectives, risks, trading policies, charges and expenses. You can request a prospectus by calling the Retirement Plan Hotline at 800-724-7526. You may also request a prospectus at www.schwab.com/workplace. Please read the prospectus carefully before investing.

Fund investment values will fluctuate, and shares, when redeemed, may be worth more or less than original cost.