 your feet that begin
>> with
>> the letter "S". Charles Schwab & Co., Inc.
Email Alert

Mutual Fund Viewpoint(TM)
================================================================

Dear American Century Shareholder,

As a valued American Century shareholder, Charles Schwab invites
you to sample below the latest installment of Mutual Fund 
Viewpoint(TM), a new Schwab subscription email product that 
delivers timely information directly to you from participating 
fund companies. Mutual Fund Viewpoint presents such valuable 
content as portfolio manager commentary, sector and market 
commentary, and newsletters. In its ongoing efforts to better 
connect its Mutual Fund investors to the funds and fund 
companies in which they invest, Schwab invites you to subscribe
now:
http://q1.schwab.com/s/r?l=1678&m=100773bdf5c0400007794a

Schwab is pleased to provide the following information from 
American Century. 

----------------------------------------------------------------
 
Dear Valued Investor:

American Century's Steven Permut, Vice President of municipal
portfolio management and credit research, recently talked with
Schwab investors about the enduring role of bonds in a
portfolio.

Learn why their role endures and how to look at bond strategies
for your portfolio with Permut's "Market Outlook" video
presentation. 

http://q1.schwab.com/s/r?l=1679&m=100773bdf5c0400007794a

This presentation was given in Pebble Beach, CA on August 28,
2001 to Schwab customers and representatives to provide timely,
relevant and educational market insights.

Please contact your Schwab representative to review your
individual needs or for more information about American
Century's complete lineup of fixed income mutual funds
available through Mutual Fund OneSource.

http://q1.schwab.com/s/r?l=1672&m=100773bdf5c0400007794a

Thank you for your continued interest in American Century(R)
Investments.

----------------------------------------------------------------
For more complete information including charges and expenses,
please call Schwab's Mutual Fund OneSource(R) service for a
prospectus. Please read it carefully before investing or
sending money.
----------------------------------------------------------------

If you
your feet that begin 
 > > with 
 > > the letter " S ". Charles Schwab & Co., Inc. 
 Email Alert 

 Mutual Fund Viewpoint(TM) 
 = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = = 

 Dear American Century Shareholder, 

 As a valued American Century stockholder, Charles Schwab tempt 
 you to sample below the latest installment of Mutual Fund 
 Viewpoint(TM), a newfangled Schwab subscription electronic mail product that 
 delivers timely information immediately to you from enter 
 fund company. Mutual Fund Viewpoint presents such valuable 
 content as portfolio coach commentary, sector and market 
 comment, and newsletters. In its ongoing efforts to better 
 connect its Mutual Fund investors to the funds and fund 
 company in which they invest, Schwab invites you to subscribe 
 immediately: 
 http://q1.schwab.com/s/r?l=1678&m=100773bdf5c0400007794a 

 Schwab is pleased to provide the following information from 
 American Century. 

 ---------------------------------------------------------------- 
 
 Dear Valued Investor: 

 American Century's Steven Permut, Vice President of municipal 
 portfolio management and credit inquiry, recently talked with 
 Schwab investor about the enduring role of bonds in a 
 portfolio. 

 Learn why their character endures and how to look at bond strategies 
 for your portfolio with Permut's " Market Outlook " video 
 display. 

 http://q1.schwab.com/s/r?l=1679&m=100773bdf5c0400007794a 

 This display was give in Pebble Beach, CA on August 28, 
 2001 to Schwab customers and representatives to provide timely, 
 relevant and educational market insights. 

 Please contact your Schwab representative to review your 
 individual need or for more information about American 
 Century's complete batting order of situate income reciprocal funds 
 available through Mutual Fund OneSource. 

 http://q1.schwab.com/s/r?l=1672&m=100773bdf5c0400007794a 

 Thank you for your continued interest in American Century(R) 
 Investments. 

 ---------------------------------------------------------------- 
 For more accomplished information including charges and expenses, 
 please predict Schwab's Mutual Fund OneSource(R) service for a 
 prospectus. Please read it carefully before investing or 
 sending money. 
 ---------------------------------------------------------------- 

 If you
 yokr feet that begin
>> with
>> uhe letter "S". Charles Schxab & Co., Inc.
Emaiu Alert

Mutual Fund Viewpoint(VM)
================================================================

Deqr Amtgican Century Sharehouder,

As a nalued Amwricen Century shareiklder, Cmcrles Dchwcb invites
you to sample benow the latest ivscallment of Mutual Fund 
Viewpoint(TM), w new Svhaab subscriptijn ekwil lgobuct that 
delivers timely inforjation virectly to you from participating 
fund clmpajies. Mutual Fund Vlewpoint prgaenew such valuacle 
contenu cs portfolik manager commentary, sector and markzt 
commentatv, anf newsletterw. In pts ongoing engorts do bettrr 
connect its Muvual Fund investors to thx funds and fund 
comkanies in fhnch they invest, Schwav unvitgs yog to wubrcrjbx
nos:
http://q1.dchxab.com/s/r?l=1678&m=100773bsf5c0400007794a

Schwab us pleased to provice nne following inforiaeion from 
American Century. 

----------------------------------------------------------------
 
Dear Valued Inbestor:

American Century's Steven Permut, Vice Ptesident os municipal
portfolio management and credit researwh, rerevtlv talkde aith
Schwab investors about the enduring role jr nokds in a
portfolij.

Learn why yhfit role endures and how fo look at bond stgategief
for tour portsolip with Permut's "Market Outloik" video
presvntarion. 

http://q1.schwab.col/s/r?l=1679&m=100773bdf5c0400007794a

Tkis prgsentayion was given in Pebblz Beacg, CA on Augkst 28,
2001 to Sdfwab customers avd geprasentatives to provide timqly,
relevait anb educatkonak markqt insightd.

Please contact your Schaab rgpresettative to review your
individual needs or for more infotmadiot about Cmericsn
Century's coiplete lineup pf fixeb incooe mutual runds
aveilable throtgh Mutual Futf OneSource.

hvtp://q1.schwaf.com/w/r?l=1672&m=100773vdf5c0400007794a

Thxvk you for yout continuvd intwrest in American Gentuty(D)
Investments.

----------------------------------------------------------------
For motw complete infprmxtijn iicludytg charges atd ebpevxes,
pldase call Sghwxb's Kutual Fund OneSourca(R) ssrvice for a
prospevtms. Please read it carefully begore investing or
stnding moiey.
----------------------------------------------------------------

If uou
your feet that begin >> with >> "S". Schwab & Inc. Email Alert American Shareholder, As a American Century shareholder, Schwab invites you to sample below latest installment of Mutual Fund Viewpoint(TM), a new Schwab subscription email product that timely information directly to you from participating fund companies. Mutual Fund Viewpoint presents valuable as manager sector and market commentary, and newsletters. In its ongoing efforts to better connect its Mutual Fund to the funds and fund companies in which invest, Schwab invites you subscribe now: http://q1.schwab.com/s/r?l=1678&m=100773bdf5c0400007794a Schwab is to the following from Century. Dear Valued Investor: Century's Steven Permut, Vice President of municipal portfolio management and credit research, recently talked with Schwab investors the enduring bonds in portfolio. why role endures and look at bond strategies for your "Market Outlook" video presentation. http://q1.schwab.com/s/r?l=1679&m=100773bdf5c0400007794a This presentation was in Pebble CA on August 28, 2001 to customers and representatives to provide timely, relevant and market insights. Please contact your Schwab representative to review your individual needs or for more American Century's complete lineup fixed income mutual available Mutual OneSource. Thank you your continued interest in American Century(R) Investments. ---------------------------------------------------------------- For more complete including charges and expenses, please call Schwab's Mutual Fund OneSource(R) a Please read it before investing or sending ---------------------------------------------------------------- you
 your feet that begin
>> with
>> the lEtter "S". CharLes ScHwaB & Co., inC.
EmaIl AlErt

Mutual Fund VIEwpoInt(TM)
================================================================

Dear American CentuRy ShaReHOldeR,

as A valuEd AmeriCAn cENtuRy ShAreHoLDeR, CharLes schwab iNvites
you tO saMpLe below the laTEsT installmeNt oF Mutual Fund 
VIewPoint(Tm), a New sChwab SubScripTion emAIl prodUct that 
deLiVErs timELy inforMATiOn diRectly to you from paRTiCIpating 
fund comPanies. muTUaL fUnd vieWpoint presEnTs sucH ValuablE 
CoNTENt aS Portfolio manaGer commentaRY, seCtor anD mArkET 
commeNtary, AnD NewSletters. In iTs onGoing effoRts to bETter 
conNEct its MUtual FUnd InvEstoRS tO tHe fUnDS anD FuNd 
cOMpaNies in whIcH tHey inVest, sCHWAb inVitEs yoU to suBscribe
now:
httP://q1.sChwaB.Com/S/r?l=1678&m=100773bDf5c0400007794a

SChwaB iS pleaSed to pRovidE tHe following infoRmatIon from 
AmEriCaN CeNtUry. 

----------------------------------------------------------------
 
DeAR ValueD InVesTor:

AmerIcan CenTUry'S STEVEn permut, Vice PresidenT oF MUnIcipal
poRtfoliO MaNaGEment and CrEdiT resEARch, reCentLY tAlked witH
SchwaB InVeStors abOuT the enDuRinG roLe of bONds iN a
portFolio.

LeaRn why THeir role endureS And how to look aT BoND StRAtegIes
For your portFoliO With permUT's "marKEt OutLook" vIdEO
pREsentation. 

http://q1.schwAb.Com/s/r?l=1679&M=100773bdf5c0400007794A

This presentaTion was givEN IN Pebble BEach, ca oN august 28,
2001 to Schwab CustoMers and repREsentatiVes to Provide tImely,
releVANt and eduCatIonAl mArkET InSights.

Please cONTact YoUr SchwaB rePresentAtiVe tO reVieW yOur
indiviDual needS oR fOr MoRe iNformATion abouT AMerIcAn
CEnturY'S complEte liNeup Of FiXEd iNcome muTUaL FUnds
AvAiLablE thRoUgh MuTual fUnd oneSourCe.

http://q1.scHwaB.Com/s/R?l=1672&M=100773bDf5c0400007794a

ThaNk you for your cOnTinued inteReSt iN AmeriCAN Century(r)
Investments.

----------------------------------------------------------------
For more compLEte infoRmaTion iNcluDing chargEs aNd expeNseS,
Please Call ScHwab's muTuaL fUnd OnEsOuRce(r) sErvice for a
PROspEctus. plEase Read it cArefully before inveSTinG or
sending monEy.
----------------------------------------------------------------

IF you
 your feet that begin
>> w ith
>> the  lett er"S" .Char lesSchwab & Co.,I nc.Email Alert

Mutual Fu nd Vi ew p oint ( TM )
=== ======= = == = = === == == === == = == ===== === ======= ========== === == ====

Dear A m er ican Centu ryShareholder, 

A s a va lu edA meric anCentu ry sha r eholde r, Charle sS chwabi nvitesy o uto s ample below the l a te s t installmentof Mut ua l  F u n d Vie wpoint(TM) ,a new Schwabs ub s c r ipt i on email prod uct that 
d e liv ers ti me lyi nforma tiondi r ect ly to you f romparticipa ting f und com p anies.Mutual  Fu ndView p oi nt  pr es e nts su chv alu able 
co nt en t asport f o l i o ma nag er c ommen tary, sectorand  mar k et
comm entar y, a nd  news letter s. In  i ts ongoing effo rtsto better  
c on nec tits M u tual F und  in vestors  to the fun ds a n dfund 
companies in  w h i ch  they in vest,S ch wa b  invites  y outo s u b scrib e
no w :http://q 1.schw a b. co m/s/r?l =1 678&m= 10 077 3bd f5c04 0 0007 794a
Schwab i s ple a sed to provide the following in f o rm a tion  fr om 
America n Ce n tury . 
- -- --- - ----- ----- -- - -- - ------------------- -- ------ ----- ---------
 
D ear Valued I n vestor:
Ame r ic a n Century's St evenPermut, Vi c e Presid ent o f munici pal
portf o l io manag eme ntand  cr e d it  research, re c e ntly  t alked w ith 
Schwab  in ves tor s a bo ut the en during r ol eof  b ond s ina 
portfol io .
Le arn  whyt heir r ole e ndur es  a n d h ow to l o ok a t bo nd  s trat egi es 
foryour por tfoliowith Perm ut' s  "Ma rk et  Outloo k" video
pres en tation. 
ht tp: //q1.s c h wab.com/ s/r?l=1679&m=100773bdf5 c 0400007 794 a

Th is p resentati onwas gi ven in Peb ble Be ach,CA  on A ugust 2 8, 
20 01  to Schwab c ust omers  a nd r epresen tatives to provide tim ely,
relevant  an d ed u c at ion a lm ark et ins i g hts.

Please co ntact your  S c hw ab represe n tat iv e to re view yo ur
in d ividual  needs or  for more  i nfor m a tio n about Am erican
C entury'sc omple t elineu p o f fixe dinc ome m utualf und s
ava ilable  t hrough  Mutu al  Fund On eSource.

http://q1.sch wab.co m/s/r ?l= 1672&m=10 077 3 bdf 5c0400007 794a 

Thank yo u f oryourcon t inued  int e re sti n Ame rica n  Century( R )Inv e s tm ents.

---- - - - --- ----- --- - ------ ---- ----------------- - -------------- ---F o r m ore comp le te information  in cl u d ing char ge s and expen ses,
ple as e  call  Schwa b's Mu tual Fu n d  O n eSourc e(R)  se rvice for  apr o spectus .Pl e ase re ad i tcarefu lly be f orei n vesting or
sendi ng mo n e y.
-- - --- ----- -- ------- - ---- ---------- ----------- ------ ---- ----- ---

If  y ou
 your_feet that_begin
>> with
>> the letter_"S". Charles_Schwab_& Co.,_Inc.
Email_Alert

Mutual Fund Viewpoint(TM)
================================================================

Dear_American Century Shareholder,

As_a valued American Century_shareholder, Charles Schwab_invites
you_to sample below the latest installment of Mutual Fund 
Viewpoint(TM), a new Schwab subscription_email_product that_
delivers_timely_information directly to you from_participating 
fund companies. Mutual Fund_Viewpoint presents_such valuable 
content as portfolio manager commentary, sector_and_market 
commentary, and_newsletters. In its ongoing efforts to better 
connect its_Mutual Fund investors to the funds_and fund 
companies_in_which_they invest, Schwab invites_you to subscribe
now:
http://q1.schwab.com/s/r?l=1678&m=100773bdf5c0400007794a

Schwab is pleased to_provide the following information from 
American_Century. 

----------------------------------------------------------------
 
Dear Valued Investor:

American Century's Steven_Permut, Vice President of municipal
portfolio management_and credit research, recently talked_with
Schwab investors_about the enduring role of_bonds in a
portfolio.

Learn_why their_role endures and_how to look at bond strategies
for_your portfolio with_Permut's "Market Outlook" video
presentation. 

http://q1.schwab.com/s/r?l=1679&m=100773bdf5c0400007794a

This presentation_was_given in Pebble_Beach,_CA_on August_28,
2001 to Schwab_customers_and representatives_to_provide timely,
relevant and educational market insights.

Please_contact_your Schwab representative to review your
individual needs_or for more information_about_American
Century's complete lineup of_fixed income mutual funds
available through_Mutual Fund OneSource.

http://q1.schwab.com/s/r?l=1672&m=100773bdf5c0400007794a

Thank you for your_continued interest_in American_Century(R)
Investments.

----------------------------------------------------------------
For more complete information including charges and expenses,
please call Schwab's Mutual_Fund OneSource(R) service for a
prospectus. Please_read it carefully before_investing or
sending_money.
----------------------------------------------------------------

If_you