Year-end tax-smart moves ,
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<TD><FONT SIZE=2 FACE="helvetica, arial"><B>Click one product below you&#8217;d like information on for tax year 2001.</B> You&#8217;ll have the opportunity to choose additional items on a follow-up page.</FONT></TD>
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<TD><FONT SIZE=2 FACE="helvetica, arial"><FONT COLOR="#336699"><B><a HREF="http://schwab.ed10.net/ud/2764/10UH/2C1H/1G/8A7Q6S">Schwab Rollover IRA</a></B></FONT><BR>Keep your assets growing tax-deferred when changing jobs, retiring or combining accounts.</FONT></TD>
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<TD><FONT SIZE=2 FACE="helvetica, arial"><FONT COLOR="#336699"><B><a HREF="http://schwab.ed10.net/ud/2764/S1QF/2C1H/SN/8A7Q6S">529 College Savings Plan</a></B></FONT><BR>Make a tax-smart investment toward higher education.</FONT></TD>
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<TD><FONT SIZE=2 FACE="helvetica, arial"><FONT COLOR="#336699"><B><a HREF="http://schwab.ed10.net/ud/2764/P3IJ/2C1H/PJ/8A7Q6S">Qualified Retirement Plan
  (QRP) for Small Business Owners</a></B></FONT><BR>Save on business taxes while saving for retirement.</FONT></TD>
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<TD><FONT SIZE=2 FACE="helvetica, arial"><FONT COLOR="#336699"><B><a HREF="http://schwab.ed10.net/ud/2764/6ZGV/2C1H/6C/8A7Q6S">Schwab Fund for Charitable Giving&#153;</a></B></FONT><BR>Reduce your taxes for this calendar year and build a ready resource for charitable giving in the future.</FONT></TD>
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<TD><FONT SIZE=2 FACE="helvetica, arial">We encourage you to find out more about our tax-related products and services and how they can ease your tax burden. (We recommend that you consult with a qualified tax advisor to discuss your specific situation.) To speak personally with one of our Investment Specialists about tax solutions for your specific needs, give us a call today at <B>1-877-832-4328</B>.</FONT></TD>
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jeff.dasovich@enron.com