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vLink=#3366cc><B>From:</B> Charles Schwab &amp; Co. 
[web.info@schwab.com]<BR><B>Sent:</B> Monday, May 08, 2000 11:22 
PM<BR><B>To:</B> rterry@annuncio.com<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 
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          <TD bgColor=#336699 width=423><FONT color=#ffffff 
            face=helvetica,arial size=2>&nbsp;&nbsp;&nbsp;<B>Creating a world of 
            smarter investors&nbsp;</B></FONT></TD></TR></TBODY></TABLE></TD></TR><!-- End Brand Bar -->
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          <TD><FONT color=#000000 face=helvetica,arial 
            size=3>&nbsp;&nbsp;</FONT></TD></TR></TBODY></TABLE></TD></TR><!-- End Eyebrow --></TBODY></TABLE><!-- End Shell 1 --><!-- Begin Shell 2 -->
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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=right><IMG alt="" height=7 
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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><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 bgColor=#9999cc><IMG alt="" height=1 
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          width=2></TD></TR>
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          <TD bgColor=#9999cc colSpan=3><IMG alt="" height=12 
            src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF" 
            width=382></TD>
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            src="http://schwab.ann0.com/images/livelaunch/EMPixClr.GIF" 
          width=2></TD></TR>
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          <TD><IMG alt="" height=2 
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          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><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><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.&nbsp;</FONT></TD>
                <TD><FONT face=helvetica,arial size=2>Find out how to 
                  accelerate your online investing with our easy-to-use 
                  Velocity&#8482; trading software. Velocity is available to our 
                  Signature Services&#8482; 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><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><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 &amp; Co., Inc. or its 
      affiliates.</FONT></TD></TR><!-- End Offer Disclaimer -->
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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><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 &amp; Co., Inc. All rights reserved. Member SIPC/NYSE. 
      (0400-5791)</FONT></TD></TR><!-- End Copyright -->
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