scwhab account overview

Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009

PORTFOLIO OVERVIEW

©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).

Specially Prepared for:

Dana Jones

123 Main Street

Anytown

NY 12345

Welcome To The Redesigned

Schwab Quarterly Portfolio

Profile™ Report.

While we have changed its look, it stillprovides a quarter end snapshot ofgeneral performance data for thesecurities within your portfolio, andidentifies areas where you may wish totake action.

The QPP is designed to help you:

• Compare your portfolio’s assetallocation with a target model

• Pinpoint sectors and individualequities where you might be over orunder concentrated

• View Schwab Equity Ratings® forthe stocks in your portfolio

• Identify areas that may requireimmediate action

If you would like help interpreting yourreport or want to discuss your portfolio,please call us at the number listed onthe next page.

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PORTFOLIO OVERVIEW

Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).

Questions? Contact us:

C. Schwab Financial Consultant

800-435-9050

Customer Service and Trading

800-435-9050

Your Portfolio includes the following Accounts as of 12/31/09

Account # Account Title Net Portfolio Value

0000-0001 Dana Jones $835,909

0000-0002 Dana Jones $574,911

0000-0003 Dana Jones $309,702

0000-0004 Dana Jones $168,766

0000-0005 Dana Jones $86,583

0000-0006 Dana Jones $1,392,868

0000-0007 Dana Jones $942,850

Total Portfolio Value $4,311,589

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Table Of Contents

Click on the title below and you will betaken to the corresponding QPP page.

PORTFOLIO OVERVIEW 2

Alerts & Special Schwab Message 3

Asset Allocation 4

Sector Diversification 5

Equity Concentration 6

Schwab Equity Ratings® &Morningstar Ratings

7

PROFILE OVERVIEW 8

Equity Profile 8

Mutual Fund Profile 16

Exchange-Traded Fund Profile 18

Fixed Income Summary 20

Fixed Income Profile 21

ACCOUNT SUMMARY 25

IMPORTANT INFORMATION 41


PORTFOLIO SUMMARY


Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses.

You can request a prospectus by calling Schwab at 800-435-9050. Please read the prospectus carefully before investing.

Looking for new ideas?

www.schwab.com/schwabstocklists

Use the weekly Schwab Stock Lists® togenerate new stock ideas to rebalanceyour portfolio. Based on Schwab EquityRatings®, these lists reflect our toprated stocks for a particular sector,size or style that might be right for yourportfolio.

With Schwab's Mutual Fund OneSource

Select List®¹, you can quickly narrowyour search to a list of no-load,no-transaction-fee² funds that havebeen handpicked by the experts at theSchwab Center for Financial Research³.View the OneSource Select List®

www.schwab.com/schwabportfolios

If you’re looking for a one-stop solutionto meet your asset allocation needs,see how Schwab Portfolios can help youcreate a well diversified portfolio.

¹Charles Schwab & Co., Inc., member SIPC,receives remuneration from fund companiesparticipating in the Mutual Fund OneSource®services.

²Schwab’s short-term redemption fee will becharged on redemptions of funds bought throughSchwab’s Mutual Fund OneSource® service withno transaction fees. For each of these trade ordersplaced through a broker, a $25 service chargeapplies.

³The Schwab Center for Financial Research is adivision of Charles Schwab & Co. Inc.

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Portfolio Alerts

We have identified the following potential issues within your portfolio that could impact the likelihood of achieving your investment goals and objectives.If you would like to discuss these notifications, please call your Financial Consultant or call 800-435-9050.

Asset Allocation (3 alerts)

Large Cap Equity page 4

Your portfolio is underweight in Large CapEquity.

International Equity page 4

Your portfolio is underweight in InternationalEquity.

Cash Investments† page 4

Your portfolio is overweight in CashInvestments†.

Equities | View (1 alert)

Schwab Stock Lists®

Equity Quality page 7

One or more of this portfolio’s equities israted D or F. View Schwab Stock Lists® forrebalancing ideas.

† The category ‘Cash Investments’ is an aggregate of your money market mutual funds, money market sweep funds, Schwab Bank Deposit Sweep Feature, certificates of deposit issued with maturitiesequal to or less than 1 year, commercial paper, and treasury bills. Non-deposit investment products are held by Charles Schwab & Co., Inc., member SIPC, and its affiliates and are not FDIC insured,may lose value, and are not bank guaranteed. See your account statement, or representative for more details.


PORTFOLIO SUMMARY


Current vs Target Asset Allocation

Current Allocation

Large Cap Equity 15.9%

Small Cap Equity 14.5%

International Equity 5.3%

Fixed Income 31.5%

Cash Investments† 27.4%

Other 5.3%

Target Allocation

Moderate




Fixed Income 35.0%

Cash Investments† 5.0%

Other 0.0%

Current Target Rebalancing Guidelines

Asset Class Value ($) (%) Value ($) (%) Value ($) (%)

Large Cap Equity $686,730 15.9% $1,509,057 35.0% $822,327 19.1%

Small Cap Equity 626,790 14.5% 431,159 10.0% (195,631) -4.5%

International Equity 228,047 5.3% 646,739 15.0% 418,692 9.7%

Fixed Income 1,359,252 31.5% 1,509,057 35.0% 149,805 3.5%

Cash Investments† 1,181,701 27.4% 215,580 5.0% (966,121) -22.4%

Other 229,070 5.3% 0 0.0% (229,070) -5.3%

Total $4,311,590‡ 100% 100%

† The category ‘Cash Investments’ is an aggregate of your money market mutual funds, money market sweep funds, Schwab Bank Deposit Sweep Feature, certificates of deposit issued with maturities equalto or less than 1 year, commercial paper, and treasury bills. Non-deposit investment products are held by Charles Schwab & Co., Inc., member SIPC, and its affiliates and are not FDIC insured, may losevalue, and are not bank guaranteed. See your account statement, or representative for more details.‡ Portfolio analysis excludes short positions, margin balances, options, warrants, rights and futures.

Asset Allocation

This page highlights the differences betweenyour portfolio’s current asset allocation andthe Schwab target asset allocation modelyou have chosen. The target asset allocationis a general guideline. If certain assetclasses in your portfolio differ from thetarget allocation by more than 5%, you maywant to consider rebalancing to bring yourportfolio more in line with the targetallocation.

You may want to over or underweight certaininvestment styles (growth or value) in yourportfolio at various times. For Schwab’slatest viewpoint, see Schwab’s MarketPerspective.

Portfolio Alert

Large Cap Equity

Your portfolio is underweight in LargeCap Equity.

International Equity

Your portfolio is underweight inInternational Equity.

Cash Investments†

Your portfolio is overweight in CashInvestments†.

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PORTFOLIO SUMMARY


Sector Diversification as a Percent of Total Portfolio

0%

5%

10%

15%

20%

25%

30%

3.0

10.7

Consumer

Discretionary

3.0%

10.7%

-7.7%

8.0

10.2

Consumer

Staples

8.0%

10.2%

-2.2%

10.7 11.0

Energy

10.7%

11.0%

-0.3%

26.2

15.8

Financials

26.2%

15.8%

10.4%

6.4

11.9

Health Care

6.4%

11.9%

-5.5%

10.5 10.6

Industrials

10.5%

10.6%

-0.1%

19.919.2

Information

Technology

19.9%

19.2%

0.7%

1.7

4.2

Materials

1.7%

4.2%

-2.5%

6.9

2.8

Telecom

6.9%

2.8%

4.1%

6.7

3.6

Utilities

6.7%

3.6%

3.1%

Your Domestic Portfolio‡

Market (Wilshire 5000*)

Difference

‡ Portfolio analysis excludes short positions, margin balances, options, warrants, rights and futures.*The Wilshire 5000 Index is a broad-market index of U.S. publicly traded equities and is frequently used as a proxy for the overall equity market. Indices are unmanaged, do not incur management fees,costs and expenses and cannot be invested in directly. Data was last updated on 01/12/2010. The sector weightings are subject to change. Sectors are provided by Global Industry Classification Standard(GICS) by MSCI and S&P. Sectors may not be available for all securities.

Sector Diversification

This page helps you review your domesticportfolio’s diversification across sectors.Economic events will often affect certainsectors more than others. If you spread yourinvestments across many different sectors,your portfolio will be less impacted by adownturn in any individual sector.

The graph to the left shows the 10 sectorcomponents for the domestic stock andmutual fund holdings in your portfolio andcompares it to the market overall,represented by the Wilshire 5000 Index*.The dark bars show your domestic portfolio’sconcentration in each sector. The light barsindicate the percentage of the marketrepresented by each sector.

We recommend that your domesticportfolio’s concentration in an individualsector not vary from that of the market bymore than 20%.

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PORTFOLIO SUMMARY


Equity Concentration as a Percent of Total Portfolio

0%

10%

20%

30%

40%

Relatively Low

Moderately High

Very High

4.1

INTCINTEL CORP

1.6

PRWTPREMIERWEST BANCORP

1.6

IWAIOWA TELECOMMUNICATIONS

1.4

GEGENERAL ELECTRIC COMPANY

1.4

FARMFARMER BROS CO COM

C*

$176,022

4.1%

NC

$68,641

1.6%

NR

$67,040

1.6%

B*

$62,069

1.4%

F

$59,190

1.4%

Schwab Equity Rating

Value ($)

% of Total Portfolio ‡

* A significant event has been announced. Please check current news.† The Schwab Center for Financial Research is a Division of Charles Schwab & Co. Inc.‡ Portfolio analysis excludes short positions, margin balances, options, warrants, rights and futures.Note: Your mutual funds may also hold individual stocks you own. If so, your effective concentration in these stocks will be even greater.

Equity Concentration

This page shows your top five stockpositions and the percentage of yourportfolio they represent. According to studiesconducted by the Schwab Center forFinancial Research†, if your largestindividual stock holding accounts for morethan 20% of your portfolio, this will mostlikely increase the volatility of your portfolioas a whole. You may want to take a secondlook at these holdings to make sure you arecomfortable with the risk.

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PORTFOLIO SUMMARY

Please refer to the back of this report for important information. Important SER rating details and disclosures are available at the back of this report.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).

Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses.

You can request a prospectus by calling Schwab at 800-435-9050. Please read the prospectus carefully before investing.

Schwab Equity Ratings®

Schwab Equity Rating Stocks Held with a Schwab Equity Rating

as of 01/01/10 Number of Stocks 12/31/09 Value ($) (%)

A 3 $13,119 1%

B 19 182,525 16%

C 26 473,146 41%

D 6 54,877 5%

F 2 63,330 5%

Unrated 47 377,319 32%

Total 103 $1,164,316‡ 100%

SER Ratings

A 1%

B 16%

C 41%

D 5%

F 5%

Unrated 32%

Equity Ratings

Schwab Equity Ratings®

This page gives you a snapshot of yourequity holdings and Schwab’s performanceoutlook for them over the next 12 months.Schwab’s outlook is that “A” rated stocks,on average, will strongly outperform and “F”rated stocks, on average, will stronglyunderperform the equities market over thenext 12 months. If you hold “D” or “F” ratedstocks, you may wish to considerreevaluating.

Portfolio Alert

Equity Quality

One or more of this portfolio’s equitiesis rated D or F. View Schwab StockLists® for rebalancing ideas.

Morningstar Ratings

Morningstar Rating Funds Held with a Morningstar Rating

as of 01/01/10 Number of Funds 12/31/09 Value ($) (%)

�� 2 $282,970 40%

�� 4 133,900 19%

�� 6 63,714 9%

�� 0 0 0%

� 0 0 0%

Unrated 18 223,217 32%

Total 30 $703,801 100%

Morningstar Ratings

�� 40%

�� 19%

�� 9%

�� 0%

� 0%

Unrated 32%

Mutual Fund Ratings

Morningstar Ratings

You can view the Morningstar ratings of eachof your mutual fund positions from 5 stars(highest) to 1 star (lowest). If you have 1 or2 star rated mutual funds that are not on ourMutual Fund Select List, you may want toconsider reevaluating your reasons forholding these mutual funds.

‡ Portfolio analysis excludes short positions, margin balances, options, warrants, rights and futures.

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EQUITY PROFILE


Legend: One or more of your individual equities is rated D or F. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.

Equity Profile

Performance details shown on this page are for the inidividual equities held in your portfolio and do not reflect your personal performance over time held.

* A significant event has been announced. Please check current news.

Ratings Performance Earnings

Previous QTR Return Past 12 Months12/31/09

Value ($)

SER

as of

01/01/10

S&P

Opinion

Reuters Analyst

Consensus

(# of analysts) Company Sector Company Sector

Previous

Quarter

Earnings ($)

Quarter

Growth

vs 2008Large Cap Equities (Fiscal Year)

T A T & T INC NEW (12/31)

Telecommunication Services

$7,694 B ��

Outperform (30)5.4% 5.8% 4.8% 2.5% $0.54 -1.8%

AMZN AMAZON COM INC (12/31)

Consumer Discretionary

16,815 B ��

Outperform (33)44.1% 7.6% 162.3% 41.1% 0.45 66.7%

AAPL APPLE INC (09/30)

Information Technology

15,805 C ��

Outperform (39)13.7% 9.9% 146.9% 59.4% 1.82 44.4%

CVX CHEVRON CORPORATION (12/31)

Energy

43,833 C ��

Outperform (20)10.3% 5.1% 8.1% 13.9% 1.92 -50.3%

CSCO CISCO SYSTEMS INC (07/31)


3,830 C ��

Outperform (36)1.7% 9.9% 46.9% 59.4% 0.30 -18.9%

C CITIGROUP INC (12/31)

Financials

1,071 NR ��

Hold (18)-31.6% -2.6% -50.5% 12.7% (0.23) 67.6%

CMCSA COMCAST CORP NEW CL A(12/31)


1,281 B* ��

Outperform (22)0.3% 7.6% 1.7% 41.1% 0.33 26.9%

ED CONSOLIDATED EDISON INC(12/31)

Utilities

8,999 C ��

Hold (16)12.5% 6.4% 23.9% 7.7% 1.22 84.8%

DE DEERE & CO (10/31)

Industrials

32,454 C ��

Outperform (20)26.7% 4.9% 44.9% 18.4% (0.53) -165.4%

DUK DUKE ENERGY CORP NEW (12/31)

Utilities

9,171 C ��

Hold (19)11.0% 6.4% 22.0% 7.7% 0.09 -47.1%

EXC EXELON CORPORATION (12/31)

Utilities

2,274 C ��

Outperform (20)-0.4% 6.4% -8.4% 7.7% 1.14 7.5%

XOM EXXON MOBIL CORPORATION(12/31)

Energy

21,588 C ��

Hold (20)0.0% 5.1% -12.6% 13.9% 0.98 -65.7%

FCX FREEPORT MCMORAN COPPER(12/31)

Materials

12,044 D ��

Outperform (19)17.0% 6.9% 228.5% 46.4% 2.07 58.0%

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EQUITY PROFILE





Equity Profile



Value ($)

SER

as of

01/01/10

S&P

Opinion

Reuters Analyst

Consensus


Previous

Quarter

Earnings ($)

Quarter

Growth


GE GENERAL ELECTRIC COMPANY(12/31)

Industrials

$62,069 B* ��

Outperform (14)-7.3% 4.9% -1.7% 18.4% $0.22 -51.1%

INTC INTEL CORP (12/31)


176,022 C* ��

Outperform (41)5.0% 9.9% 43.9% 59.4% 0.33 -5.7%

KR KROGER COMPANY (01/31)

Consumer Staples

6,352 C ��

Outperform (18)-0.1% 4.2% -21.0% 11.7% (1.35) -475.0%

MRO MARATHON OIL CORP (12/31)

Energy

8,058 B ��

Hold (19)-1.5% 5.1% 17.8% 13.9% 0.55 -81.0%

MHS MEDCOHEALTH SOLUTIONS(12/31)

Health Care

4,985 B ��

Outperform (27)15.5% 8.3% 52.5% 18.3% 0.69 19.0%

MRK MERCK & CO INC NEW (12/31)

Health Care

27,464 NR ��

Outperform (19)16.7% 8.3% 26.7% 18.3% 1.61 215.7%

MSFT MICROSOFT CORP (06/30)


6,561 C ��

Outperform (32)19.0% 9.9% 60.5% 59.4% 0.40 -16.7%

ORCL ORACLE CORPORATION (05/31)


5,931 B* ��

Outperform (31)18.0% 9.9% 39.4% 59.4% 0.22 4.8%

PFE PFIZER INCORPORATED (12/31)

Health Care

2,313 B ��

Outperform (21)10.9% 8.3% 8.3% 18.3% 0.43 30.3%

SE SPECTRA ENERGY CORP (12/31)

Energy

4,943 B ��

Outperform (13)9.7% 5.1% 38.3% 13.9% 0.22 -53.2%

TWC TIME WARNER CABLE (12/31)


207 C ��

Outperform (22)-3.9% 7.6% -35.7% 41.1% 0.89 5.9%

TWX TIME WARNER INC NEW (12/31)


624 B ��

Outperform (21)9.0% 7.6% 118.0% 41.1% 0.43 -34.9%

TRV TRAVELERS COMPANIES INC(12/31)

Financials

3,114 B ��

Outperform (20)1.9% -2.6% 13.5% 12.7% 1.65 358.3%

VZ VERIZON COMMUNICATIONS(12/31)


8,549 B ��

Outperform (30)11.2% 5.8% 3.8% 2.5% 0.41 -30.5%

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EQUITY PROFILE





Equity Profile



Value ($)

SER

as of

01/01/10

S&P

Opinion

Reuters Analyst

Consensus


Previous

Quarter

Earnings ($)

Quarter

Growth


WMT WAL-MART STORES INC (01/31)

Consumer Staples

$11,744 C ��

Outperform (28)9.4% 4.2% -2.6% 11.7% $0.88 2.3%

Benchmark: S&P 500 Index 6.6% 24.7%

Small Cap Equities (Fiscal Year)

AYE ALLEGHENY ENERGY INC (12/31)

Utilities

$9,595 D ��

Outperform (12)-10.9% 6.4% -28.9% 7.7% $0.45 -13.5%

LNT ALLIANT ENERGY CORP (12/31)

Utilities

9,986 D ��

Outperform (5)10.2% 6.4% 9.8% 7.7% (0.39) -139.4%

ACAS AMERICAN CAPITAL LTD (12/31)

Financials

4,665 NC ��

Hold (9)-24.5% -2.6% 0.0% 12.7% 0.30 111.4%

ANH ANWORTH MTG ASSET CORPREIT (12/31)

Financials

3,500 NC --Buy (7)

-4.1% -2.6% 28.6% 12.7% 0.27 325.0%

AOL AOL INC (12/31)


23 NA --Hold (10)

-- 9.9% -- 59.4% 0.70 --

ARTW ARTS-WAY MFG CO INC (11/30)

Industrials

1,696 NC -- NA -15.0% 4.9% 19.1% 18.4% 0.02 -84.6%

BGS B & G FOODS INC (12/31)

Consumer Staples

9,180 C --Outperform (5)

14.1% 4.2% 86.2% 11.7% 0.11 37.5%

BEZ BALDOR ELECTRIC COMPANY(12/31)

Industrials

7,023 C ��

Outperform (9)3.4% 4.9% 62.9% 18.4% 0.27 -50.9%

CSE CAPITALSOURCE INC REIT (12/31)

Financials

3,970 B* ��

Hold (10)-8.3% -2.6% -12.9% 12.7% (0.87) -3,000.0%

CMO CAPSTEAD MORTGAGE CPNEWREIT (12/31)

Financials

12,285 NC --Outperform (7)

1.9% -2.6% 50.2% 12.7% 0.56 7.7%

CJHBQ CHAMPION ENTERPRISES (12/31)


4 NC -- NA -90.5% 7.6% -92.2% 41.1% (0.17) -525.0%

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EQUITY PROFILE





Equity Profile



Value ($)

SER

as of

01/01/10

S&P

Opinion

Reuters Analyst

Consensus


Previous

Quarter

Earnings ($)

Quarter

Growth

vs 2008Small Cap Equities (Fiscal Year)

CLNE CLEAN ENERGY FUELS CORP(12/31)

Energy

$15,410 D --Outperform (9)

6.9% 5.1% 155.1% 13.9% ($0.31) -29.2%

CPTC COMPOSITE TECH CORP (09/30)

Industrials

1,325 NC --Buy (2)

-38.4% 4.9% -1.9% 18.4% (0.02) -100.0%

DFR DEERFIELD CAPITAL CP NEWREIT(12/31)

Financials

920 NC -- NA -33.8% -2.6% 29.2% 12.7% 0.27 101.2%

DHT DHT MARITIME INC F (12/31)

Energy

3,680 C ��

Hold (7)-2.1% 5.1% -27.2% 13.9% 0.02 -93.1%

ELNK EARTHLINK INC (12/31)


1,529 A ��

Outperform (5)0.5% 9.9% 27.1% 59.4% 0.28 -42.9%

EMKR EMCORE CORP (09/30)


2,461 C --Hold (4)

-17.7% 9.9% -17.7% 59.4% (0.17) 67.9%

FNB F N B CORPORATION PA (12/31)

Financials

57,714 C* --Hold (7)

-2.7% -2.6% -44.7% 12.7% 0.04 -85.2%

FRCMQ FAIRPOINT COMMUN INC (12/31)


10 NC -- NA -92.0% 5.8% -99.0% 2.5% (0.86) -207.1%

FARM FARMER BROS CO COM (06/30)

Consumer Staples

59,190 F -- NA -4.1% 4.2% -19.1% 11.7% 0.15 135.7%

FGP FERRELLGAS PARTNERS LP(07/31)

Utilities

5,283 NC ��

Hold (6)8.5% 6.4% 62.1% 7.7% (0.47) -104.3%

FITB FIFTH THIRD BANCORP (12/31)

Financials

39,595 B* ��

Hold (23)-3.7% -2.6% 19.0% 12.7% (0.20) -42.9%

GHSE GATEHOUSE MEDIA INC (12/31)


200 NC -- NA 5.8% 7.6% 400.0% 41.1% 0.04 114.8%

GETA GENTA INC NEW (12/31)

Health Care

870 NC -- NA -91.3% 8.3% -35.6% 18.3% (0.15) -103.0%

THG HANOVER INSURANCE GROUP(12/31)

Financials

7,287 C ��

Outperform (5)9.4% -2.6% 5.2% 12.7% 0.95 211.8%

of 42


EQUITY PROFILE





Equity Profile



Value ($)

SER

as of

01/01/10

S&P

Opinion

Reuters Analyst

Consensus


Previous

Quarter

Earnings ($)

Quarter

Growth


HTS HATTERAS FINANCIAL CORP(12/31)

Financials

$30,756 NC --Outperform (10)

-2.9% -2.6% 23.4% 12.7% $1.26 13.5%

HUM HUMANA INC (12/31)

Health Care

6,584 B ��

Outperform (20)17.7% 8.3% 17.7% 18.3% 1.78 63.3%

INSM INSMED INC NEW (12/31)

Health Care

14 C* -- NA -6.1% 8.3% 64.7% 18.3% -- --

IWA IOWA TELECOMMUNICATIONS(12/31)


67,040 NR --Hold (8)

39.5% 5.8% 35.6% 2.5% 0.14 -22.2%

LINE LINN ENERGY (12/31)

Energy

11,152 NC --Buy (4)

24.9% 5.1% 112.1% 13.9% (0.69) -108.6%

LSI LSI CORPORATION (12/31)


186 C ��

Outperform (14)9.5% 9.9% 82.7% 59.4% 0.08 300.0%

MTLQQ MOTORS LIQUIDATION CO (12/31)


39 NC --Sell (2)

-33.2% 7.6% -85.3% 41.1% (9.78) -70.4%

NCR N C R CORP NEW (12/31)


267 C ��

Hold (7)-19.5% 9.9% -21.3% 59.4% 0.09 -81.6%

NI NISOURCE INC HOLDING CO(12/31)

Utilities

3,884 A ��

Hold (9)12.7% 6.4% 51.5% 7.7% (0.03) -137.5%

NOVB NORTH VALLEY BANCORP (12/31)

Financials

1,045 NC --Hold (1)

-27.9% -2.6% -44.1% 12.7% (0.55) -175.0%

OCNW OCCAM NETWORKS INC NEWDELAWARE (12/31)


162 B --Buy (1)

45.9% 9.9% 125.0% 59.4% (0.12) 7.7%

OMNI OMNI ENERGY SERVICES NEW(12/31)

Energy

1,260 NC -- NA -18.7% 5.1% 5.9% 13.9% 0.01 -90.0%

OKS ONEOK PARTNERS LP (12/31)

Energy

10,959 NC ��

Outperform (12)20.1% 5.1% 49.0% 13.9% 0.81 -44.5%

of 42


EQUITY PROFILE





Equity Profile



Value ($)

SER

as of

01/01/10

S&P

Opinion

Reuters Analyst

Consensus


Previous

Quarter

Earnings ($)

Quarter

Growth


PRGN PARAGON SHIPPING CL A (12/31)

Industrials

$4,550 C --Outperform (5)

8.4% 4.9% 0.3% 18.4% $0.37 27.6%

PLBC PLUMAS BANCORP QUINCY CA(12/31)

Financials

4,077 NC -- NA -21.3% -2.6% -60.0% 12.7% (0.46) -428.6%

PRWT PREMIERWEST BANCORP (12/31)

Financials

68,641 NC --Underperform (1)

-47.6% -2.6% -77.7% 12.7% (0.22) -485.3%

PDO PYRAMID OIL CO (12/31)

Energy

1,273 NC -- NA 4.1% 5.1% 19.8% 13.9% (0.01) -105.3%

QTM QUANTUM CP DLT & STORAG(03/31)


2,930 B --Buy (2)

132.5% 9.9% 713.9% 59.4% 0.05 600.0%

RF REGIONS FINANCIAL CP NEW(12/31)

Financials

1,342 NR ��

Hold (18)-14.7% -2.6% -31.4% 12.7% (0.37) -384.6%

SCG SCANA CORPORATION NEW(12/31)

Utilities

10,795 C ��

Hold (5)9.4% 6.4% 12.3% 7.7% 0.84 5.0%

STX SEAGATE TECHNOLOGY F (06/30)


5,111 C ��

Outperform (22)19.6% 9.9% 313.5% 59.4% 0.35 191.7%

SQNM SEQUENOM INC NEW (12/31)

Health Care

4,140 F --Hold (8)

28.2% 8.3% -79.1% 18.3% (0.33) -57.1%

SOBM SINOBIOMED INC (12/31)

Health Care

36 NC -- NA 6.7% 8.3% 92.0% 18.3% (0.01) --

STI SUNTRUST BANKS INC (12/31)

Financials

852 D* ��

Hold (29)-10.0% -2.6% -30.2% 12.7% (0.76) -186.4%

TGC TENGASCO INC NEW (12/31)

Energy

225 NC -- NA -10.0% 5.1% -27.4% 13.9% -- --

TDC TERADATA CORP (12/31)


754 B ��

Hold (9)14.2% 9.9% 111.9% 59.4% 0.36 -5.3%

of 42


EQUITY PROFILE





Equity Profile



Value ($)

SER

as of

01/01/10

S&P

Opinion

Reuters Analyst

Consensus


Previous

Quarter

Earnings ($)

Quarter

Growth


UGI U G I CORPORATION NEW (09/30)

Utilities

$7,706 A ��

Outperform (4)-2.7% 6.4% 2.3% 7.7% ($0.03) -121.4%

UNG UNITED STATES NAT GASFDMASTER LTD PARTNERSHIP(12/31)

17,741 NC --Hold (1)

-14.1% -- -56.5% -- -- --

ZVUE ZVUE CORPORATION (12/31)


5 NC -- NA -- 7.6% -- 41.1% (0.25) -4.2%

Benchmark: Russell 2000 Index 3.9% 27.2%

International Equities (Fiscal Year)

ALU ALCATEL LUCENT ADRFSPONSORED ADR 1 ADR REP 1ORD (12/31)


$378 NC ��

Outperform (12)-26.1% 9.9% 54.4% 59.4% ($0.11) -450.0%

ANPI ANGIOTECH PHARM INC F (12/31)

Health Care

84 NC --Underperform (3)

-28.3% 8.3% 376.9% 18.3% (0.90) -221.4%

BP BP PLC ADR FSPONSORED ADR 1ADR REP 6 ORD (12/31)

Energy

31,304 NC ��

Outperform (14)10.5% 5.1% 32.9% 13.9% 1.69 -33.7%

DSX DIANA SHIPPING INC F (12/31)

Industrials

14,480 NC --Outperform (18)

11.4% 4.9% 13.5% 18.4% 0.73 49.0%

DRYS DRYSHIPS INC F (12/31)

Industrials

5,820 NC --Hold (15)

-12.2% 4.9% -45.4% 18.4% (18.42) -443.0%

FRO FRONTLINE LTD F (12/31)

Energy

27,320 NC ��

Underperform (15)17.4% 5.1% -3.7% 13.9% (0.07) -105.0%

GMR GEN MARITIME CORP NEW F(12/31)

Energy

6,990 D ��

Hold (15)-8.2% 5.1% -26.7% 13.9% 0.27 -54.2%

HBC HSBC HLDGS PLC ADR NEWFSPONSORED ADR 1 ADR REPS 5ORD (12/31)

Financials

5,309 NC ��

Buy (2)0.2% -2.6% 39.7% 12.7% 0.52 -68.1%

of 42


EQUITY PROFILE





Equity Profile



Value ($)

SER

as of

01/01/10

S&P

Opinion

Reuters Analyst

Consensus


Previous

Quarter

Earnings ($)

Quarter

Growth

vs 2008International Equities (Fiscal Year)

DDSS LABOPHARM INC F (12/31)

Health Care

$4,160 NC --Hold (8)

42.5% 8.3% 14.3% 18.3% ($0.26) -44.4%

PAL NO AMERN PALLADIUM LTD F(12/31)

Materials

3,500 NC --Hold (3)

25.4% 6.9% 91.3% 46.4% (1.31) -627.8%

OCNF OCEANFREIGHT INC F (12/31)

Industrials

1,850 NC --Hold (1)

-31.0% 4.9% -68.9% 18.4% (0.15) -124.6%

RDSB ROYAL DUTCH SHELL BADRFSPONSORED ADR 1 ADRREPS 2 CL B ORD (12/31)

Energy

2,500 NC -- NA 5.7% 5.1% 20.5% 13.9% 1.66 25.8%

SLB SCHLUMBERGER LTD F (12/31)

Energy

26,036 C ��

Outperform (30)9.6% 5.1% 56.2% 13.9% 0.65 -48.0%

RIG TRANSOCEAN INC NEW F (12/31)

Energy

2,153 B ��

Outperform (38)-3.2% 5.1% 75.2% 13.9% 2.19 -36.5%

VALE VALE SA ADR FSPONSORED ADR1 ADR REP 1 ORD (12/31)

Materials

17,418 NC ��

Outperform (25)26.8% 6.9% 145.8% 46.4% 0.31 -67.0%

Benchmark: MSCI EAFE Index 2.2% 31.8%

Equities Not Classified

ADVANCED CELL TECHNOLOGYALCHEMY CREATIVE INCC I T GROUP INC NEW

ENTECH SOLAR INCHYPOWER FUEL INC NEWIDEARC INC

NEW CENTURY FINL CP N^XXBANKRUPT EFF 08/01/08PROTOKINETIX INCU S SHIPPING PARTNERSXXXBANKRUPT EFF 11/13/09

of 42


MUTUAL FUND PROFILE


Legend: One or more of your mutual funds has a Morningstar rating of 1 or 2 stars, and is not on the Mutual Fund Select List®. C Denotes a change in fund management during the 3-months ending December 31, 2009.

Multi-Asset Class Securities are proportionally distributed into the asset class using Morningstar data.

Mutual Fund Profile

Performance details shown on this page are for the inidividual funds held in your portfolio and do not reflect your personal performance over time held.

Morningstar Ratings Average Annualized Return

12/31/09Value ($) Overall

ExpenseRatio

3-MonthReturn 1 Year 5 Year 10 Year

SinceInception

5 YearGrowth of$10,000

Historical Risk

Low HighLarge Cap Mutual Funds (Inception)

SCHLX DWS HEALTH CARE FD CL S (03/1998) $13,489 �� 1.40% 6.4% 21.5% 3.7% 6.5% 7.5% $11,992

JSVAX JANUS CONTRARIAN FD CL J (02/2000) 16,568 �� 1.01% 5.1% 37.0% 4.5% -- 5.5% 12,456

JAGTX JANUS GLOBAL TECHNOLOGY FD CL J (12/1998) 877 �� 1.02% 6.2% 57.3% 5.5% -7.5% 3.3% 13,094

JAGIX JANUS GROWTH & INCM FD CL J (05/1991) 8,497 �� 0.88% 5.0% 38.6% 1.0% -1.3% 10.1% 10,510

SWDSX SCHWAB DIVIDEND EQUITY FUND (09/2003) 21,409 �� 0.89% 6.4% 17.9% 1.4% -- 5.8% 10,704

SWLSX SCHWAB LARGE-CAP GROWTH FUND (10/2005) 19,993 �� 0.99% 7.4% 27.3% -- -- 0.2% --

Benchmark: S&P 500 Index 6.6% 24.7% -1.4% -2.6%

Small Cap Mutual Funds (Inception)

GAUBA GABELLI UTILITIES A (12/2002) $7,115 �� 1.43% -1.4% 8.9% 4.5% -- 9.4% $12,486

HTGC HERCULES TECH GROWTH 10,390 -- -- -- -1.7% 56.1% -- -- -- --

PSEC PROSPECT CAPITAL CORP 17,715 -- -- -- -3.8% 15.4% 64.3% -- -- 119,735

Benchmark: Russell 2000 Index 3.9% 27.2% 0.5% 3.5%

Taxable Bond Mutual Funds (Inception)

SWIIX SCHWAB PREMIER INCOME FD (10/2007) $28,690 -- -- 0.63% 1.8% 14.3% -- -- 6.7% --

VFIIX VANGUARD GNMA FUND INVESTOR SHARE (06/1980) 126,831 �� 0.23% 0.4% 5.3% 5.4% 6.2% 8.3% 13,020

Benchmark: Barclays Capital Aggregate Bond Index 0.2% 5.9% 5.0% 6.3%

Tax-Free Bond Mutual Funds (Inception)

BCLTX AMERICAN CENTURY CA LONG TERM TAX FREE FUND (11/1983) $61,452 �� 0.49% -2.1% 13.7% 3.3% 5.2% 6.7% $11,768

CMBFX COLUMBIA OR INTERM MUNI BD CL Z (07/1984) 156,139 �� 0.50% -0.6% 9.2% 3.8% 5.2% 6.9% 12,027

VWITX VANGUARD INTER TERM TAX EXEMPT FD INVESTOR SHS (09/1977) 37,551 �� 0.20% -0.9% 10.2% 4.0% 5.0% 5.8% 12,155

Benchmark: Barclays Capital Municipal Bond Index -1.0% 12.9% 4.3% 5.8%

of 42


MUTUAL FUND PROFILE


Legend: One or more of your mutual funds has a Morningstar rating of 1 or 2 stars, and is not on the Mutual Fund Select List®. C Denotes a change in fund management during the 3-months ending December 31, 2009.

Multi-Asset Class Securities are proportionally distributed into the asset class using Morningstar data.


Mutual Fund Profile

Morningstar Ratings Average Annualized Return

12/31/09Value ($) Overall

ExpenseRatio

3-MonthReturn 1 Year 5 Year 10 Year

SinceInception

5 YearGrowth of$10,000

Historical Risk

Low HighMulti-Asset Mutual Funds (Inception)

BOE BLACKROCK GLOBAL OPPTYS $7,480 -- -- -- -3.5% 33.6% -- -- -- --

JGV NUVEEN GLOBAL VALUE OPPT 15,777 -- -- -- -8.1% 59.7% -- -- -- --

Other Mutual Funds (Inception)

ALD ALLIED CAP CORP NEW $5,469 -- -- -- -- -- -- -- -- --

CRT CROSS TIMBERS ROYALTY TRROYALTY TRUST 33,720 -- -- -- -- -- -- -- -- --

FKINX FRANKLIN INCOME FUND CL A (08/1948) 10,663 �� 0.62% 1.5% 29.3% 2.8% 7.3% 10.5% 11,475

HGT HUGOTON ROYALTY TR UBI ROYALTY TRUST 8,040 -- -- -- -- -- -- -- -- --

MSB MESABI TRUST CTF BEN INTROYALTY TRUST 6,400 -- -- -- -- -- -- -- -- --

PMGYF PARAMOUNT ENERGY TRUST FTRUST UNIT 4,979 -- -- -- -- -- -- -- -- --

PBT PERMIAN BASIN ROYALTY TRROYALTY TRUST 7,220 -- -- -- -- -- -- -- -- --

VAN KAMPEN UNIT TRS *UT 683 CLSD END STRATCOHEN&STEERS MASTR INCM

3,322 -- -- -- -- -- -- -- -- --

Closed End Mutual Funds

Performance data not available for Closed End Mutual Funds

ALLIANCEBERNSTEIN GLOBALARES CAPITAL CORP

NUVEEN PREM INCM MUN FDNUVEEN SELCT QLTY MUN FD

PIMCO CA MUN INCM FD IIICALIFORNIAPIMCO CAL MUNI INC FD II

Morningstar 3-, 5-, and 10-year ratings for DWS HEALTH CARE FD CL S are 4,4,3. Ratings for JANUS CONTRARIAN FD CL J are 2,4,--. Ratings for JANUS GLOBAL TECHNOLOGY FD CL J are 3,4,3. Ratings for JANUS GROWTH & INCM FD CLJ are 2,3,3. Ratings for SCHWAB DIVIDEND EQUITY FUND are 4,4,--. Ratings for SCHWAB LARGE-CAP GROWTH FUND are 3,--,--. Ratings for GABELLI UTILITIES A are 4,3,--. Ratings for HERCULES TECH GROWTH are --,--,--. Ratings forPROSPECT CAPITAL CORP are --,--,--. Ratings for SCHWAB PREMIER INCOME FD are --,--,--. Ratings for VANGUARD GNMA FUND INVESTOR SHARE are 4,5,5. Ratings for AMERICAN CENTURY CA LONG TERM TAX FREE FUND are 4,4,4.Ratings for COLUMBIA OR INTERM MUNI BD CL Z are 5,5,5. Ratings for VANGUARD INTER TERM TAX EXEMPT FD INVESTOR SHS are 4,4,4. Ratings for BLACKROCK GLOBAL OPPTYS are --,--,--. Ratings for NUVEEN GLOBAL VALUE OPPT are--,--,--. Ratings for ALLIED CAP CORP NEW are --,--,--. Ratings for CROSS TIMBERS ROYALTY TRROYALTY TRUST are --,--,--. Ratings for FRANKLIN INCOME FUND CL A are 1,2,5. Ratings for HUGOTON ROYALTY TR UBI ROYALTY TRUST are--,--,--. Ratings for MESABI TRUST CTF BEN INTROYALTY TRUST are --,--,--. Ratings for PARAMOUNT ENERGY TRUST FTRUST UNIT are --,--,--. Ratings for PERMIAN BASIN ROYALTY TRROYALTY TRUST are --,--,--. Ratings for VAN KAMPEN UNITTRS *UT 683 CLSD END STRAT COHEN&STEERS MASTR INCM are --,--,--. Data and ratings provided by Morningstar. Morningstar proprietary ratings reflect historical risk-adjusted performance as of December 31, 2009. These ratings aresubject to change every month. Morningstar ratings are calculated from the fund's 3-, 5-, and 10 year average annual returns in excess of the 90 day Treasury bill returns with appropriate fee adjustments and a risk factor that reflectsfund performance below 90-day T-bill returns. Domestic Stock, International Stock, and Bond funds were rated: the bottom 10% of funds in each category receive 1 star, 22.5% receive 2 stars, 35% receive 3 stars, 22.5% receive 4 stars,and the top 10% receive 5 stars.

of 42


ETF PROFILE


Legend: Multi-Asset Class Securities are proportionally distributed into the asset class using Morningstar data.

Exchange-Traded Funds (ETF) Profile

Average Total Market Return Average Total NAV Return

As Of Quarter End As Of Quarter End

Price ($) Since Since

Symbol Per Unit Value 1 Year 5 Year 10 Year Inception 1 Year 5 Year 10 Year Inception


Large Cap ETFs (Inception)

ISHARES TR RUSSELL 3000 RUSSELL 3000 INDEX FUND(05/2000)

IWV $65 28.3% 0.7% -- 0.0% 28.2% 0.7% -- 0.0%

S P D R TRUST UNIT SR 1 EXPIRING 01/22/2118 (01/1993) SPY 111 26.3% 0.4% -1.0% 7.6% 26.4% 0.4% -1.0% 7.6%

Small Cap ETFs (Inception)

UNITED STATES NAT GAS FDMASTER LTD PARTNERSHIP(04/2007)

UNG $10 -56.5% -- -- -45.0% -56.7% -- -- -44.9%

VANGUARD EXTENDED MKT (12/2001) VXF 43 37.9% 2.2% -- 5.7% 37.6% 2.2% -- 5.7%

International ETFs (Inception)

ISHARES MSCI AUS IDX FD AUSTRALIA INDEX FUND (03/1996) EWA $23 67.9% 11.2% 11.5% 9.9% 74.9% 11.4% 11.7% 10.0%

ISHARES MSCI EMRG MKT FDEMERGING MARKETS INDX FD(04/2003)

EEM 42 68.8% 14.9% -- 23.4% 71.7% 15.1% -- 23.2%

VANGUARD INTL EQTY INDEXFTSE ALL WORLD EX US ETF(03/2007)

VEU 44 37.6% -- -- -3.4% 38.9% -- -- -2.9%

Multi-Asset ETFs (Inception)

ISHARES TR DOW JONES RE US REAL ESTATE INDEX FD(06/2000)

IYR $46 30.5% -1.1% -- 8.4% 30.2% -1.1% -- 8.4%

POWERSHS EXCH TRAD FD TRWILDERHILL CLEAN ENERGYPORTFOLIO (03/2005)

PBW 11 27.6% -- -- -6.9% 29.0% -- -- -6.9%

Other ETFs (Inception)

BARCLAYS BANK IPATH ETN GSCI CRUDE OIL INDEX (08/2006) OIL $26 11.2% -- -- -17.6% 6.7% -- -- -17.7%

HSBC USA INC 2023ELEMENTS DUE 06/16/23SUBJTO XTRO REDEMPTION (06/2008)

LSC 9 -12.8% -- -- -4.9% -10.5% -- -- -4.9%

ISHARES TR BARCLAYS TIPSBOND FUND (12/2003) TIP 104 9.0% 4.5% -- 5.2% 11.4% 4.5% -- 5.2%

ISHARES TRUST IBOXX $ HIGH YIELD CORP BONDFUND (04/2007)

HYG 88 28.9% -- -- 2.9% 40.7% -- -- 2.8%

of 42


ETF PROFILE


Legend: Multi-Asset Class Securities are proportionally distributed into the asset class using Morningstar data.


Exchange-Traded Funds (ETF) Profile

Average Total Market Return Average Total NAV Return

As Of Quarter End As Of Quarter End

Price ($) Since Since

Symbol Per Unit Value 1 Year 5 Year 10 Year Inception 1 Year 5 Year 10 Year InceptionOther ETFs (Inception)

POWERSHS DB COMMDTY INDX (02/2006) DBC $25 16.2% -- -- 2.2% 15.1% -- -- 2.3%

POWERSHS DB US DOLLAR TRINDEX BULLISH FUND(02/2007)

UUP 23 -6.5% -- -- -2.3% -6.8% -- -- -2.4%

POWERSHS EXCH TRAD FD TREMERGING MKTS SOVEREIGNDEBT PORTFOLIO (10/2007)

PCY 26 35.7% -- -- 7.5% 33.2% -- -- 6.3%

RYDEX ETF TRUST AUSTRALIAN DOLLAR TRUST(06/2006)

FXA 90 29.3% -- -- 10.8% 32.0% -- -- 10.8%

SPDR BARCLAYS CAPITAL CONVERTIBLE BOND ETF(04/2009)

CWB 38 -- -- -- 28.1% -- -- -- 29.5%

SPDR GOLD TRUST SPDR GOLD SHARES (11/2004) GLD 107 24.0% 19.6% -- 18.8% 27.1% 19.8% -- 19.1%

SPDR SERIES TRUST ETF DB INTL GOVERNMENT INFLATIONPROTECTED BOND (03/2008)

WIP 56 16.3% -- -- -3.2% 18.5% -- -- -2.7%

of 42


FIXED INCOME SUMMARY


Estimated Bond Interest and Principal Payments

0

2,000

$4,000

Jan 10

$38

$60,000

$60,038

Feb

$3,397

$10,000

$13,397

Mar

$2,996

--

$2,996

Apr

$3,876

--

$3,876

May

$2,828

--

$2,828

Jun

$926

$15,000

$15,926

Jul

$38

--

$38

Aug

$3,197

--

$3,197

Sep

$2,996

--

$2,996

Oct

$3,576

$10,000

$13,576

Nov

$2,828

--

$2,828

Dec

$926

--

$926

Interest

Principal

Total Monthly

Maturity Schedule

0

25,000

50,000

75,000

100,000

$125,000

'09 '10 '11 '12 '13 '14 '15 '16 '17 '18 '19 '20 '21 '22 '23 '24 '25 '26 '27 '28 '29 '30 '31 '32 '33 '34 '35 '36 '37 '38

Maturity 12/31/09 Value ($)

Reserves 0-1 Year $35,677 6.3%

Short Term 1-5 Years 122,007 21.6%

Intermediate 5-10 Years 196,575 34.8%

Long Term 10+ Years 210,024 37.2%

Total Value Over Time Period Shown $564,283 100%

For pie chart definitions, please consult the User Guide

Estimated Bond Interest and Principal Payments

The estimates above are based on scheduled interest and coupon payments and return of principal for the next 12 months for individual bonds you currently hold The chart does not include mortgagebacked securities with the exception of Government-based mortgage backed securities, and does not include bond interest for fixed income funds. These estimates are neither projections, nor guarantees offuture payments, nor are they to be construed as performance data, past or future. The data is provided by third parties and we cannot guarantee the accuracy of the information.Maturity Schedule

This schedule illustrates the sum of the market values of your fixed income holdings that mature in the same year. Years until maturity are calculated from the latest quarter end date. Mortgage backedsecurities are not included in this illustration due to the possibility that they may have a shorter than stated maturity due to mortgage prepayments. Preferred securities are issued with no stated maturitydates or perpetual maturities and are not included in this illustration. Maturity schedule dates reflect actual maturity dates; call dates are reflected on the Fixed Income Performance Profile pages and theAccount Summary pages of this report.

Fixed Income Summary

12/31/09 Value ($)

Treasury Securities 4.4% $30,961

Municipal Securities 70.2% 499,673

Agency/MortgageSecurities

0.0% 0

Corporate Securities 11.7% 83,459

Preferred 12.2% 87,119

Other Fixed Income 1.4% 10,188

Total 100% $711,399

Credit Quality

12/31/09 Value ($)

Govt/AAA 8.4% $62,181

AA 12.9% 95,234

A 32.2% 238,238

BBB 0.0% 0

Non-Invest Grade 9.1% 67,681

Not Rated 37.4% 277,036

Total 100% $740,370

of 42


FIXED INCOME PROFILE


Legend: You have one or more bonds maturing in the next 90 days.

No performance or ratings data are currently available for certain fixed income positions you may hold, such as Unit Investment Trusts, Strip Securities, Preferred Debt, and other miscellaneous or unique debt offerings.

Fixed Income Profile

Treasury SecuritiesUS TREAS BOND 7.25%05/16 DUE 05/15/16

Municipal SecuritiesBLAIRSVILLE-SALTS 4.5%23GO DUE 03/15/23BURG SCH DIST OID SYNCORCALIFORNIA ST 5%22GO DUE 11/01/22UNREFUNDED MBIACALIFORNIA ST 5%23GO UTX DUE 02/01/23UNREFUNDED OID FGICCALIFORNIA ST 5%29GO DUE 02/01/29 OIDCALIFORNIA ST 6%10GO DUE 10/01/10 NPFGCALIFORNIA ST 5.8%16GO DUE 06/01/16CALIFORNIA ST 7.5%34GO UTX BAB DUE 04/01/34 SUBJ XTRO TXBLCALIFORNIA ST 5.25%27GO DUE 11/01/27 OID

CALIFORNIA ST 5.25%28GO DUE 02/01/28CALIFORNIA ST 4.375%17GO UTX DUE 10/01/17 OIDCALIFORNIA ST PUB 5.5%18REV DUE 12/01/18WKS BRD OID SUBJ XTROCHULA VISTA CALIF 5.6%21REV DUE 09/01/21CMNTY FACS DIST SPL OIDFOLSOM CALIF SP 6.125%22REV DUE 09/01/22TAX OIDFRESNO CALIF UNI SC 4%13GO U/LTX DUE 08/01/13DIST FGICJACKSON CNTY ORE 6.25%26REV DUE 11/01/26HSG AUTH REV OIDKNOX CNTY TENN HEAL 0%10REV DUE 01/01/10EDL & OID SUBJ XTRO MBIA

LANE CNTY ORE 3.875%14GO UTX DUE 06/15/14SCH DIST NO 052 OID FSAOREGON ST 6%21GO UTX DUE 08/01/21 OID SUBJ AMTOREGON ST DEPT 4.65%11REV DUE 04/01/11ADMINISTRATIVE OID FSAPORTLAND ORE CMN 4.25%10GO UTX DUE 06/01/10COLLEGE DIST OIDRIVERSIDE CALIF ELE 5%18** CALLED **DUE 10/01/18@ 100.5% EFF 01/11/10SALEM ORE WTR & 5.5%18REV DUE 06/01/18SWR REV OID FSAWEST SACRAMENTO 5.25%34REV DUE 09/01/34CALIF SPL TAX

Corporate SecuritiesCIT GROUP INC 7%13NOTES DUE 05/01/13CIT GROUP INC 7%14NOTES DUE 05/01/2014CIT GROUP INC 7%15NOTES DUE 05/01/15CIT GROUP INC 7%16NOTES DUE 05/01/16

CIT GROUP INC 7%17NOTES DUE 05/01/17EL PASO CORP 7%11NT DUE 05/15/11FORD MOTOR CRED 5.75%14NOTES DUE 02/20/14GENL ELEC CAP 4%10INTERNOTES DUE 02/15/10

GENL MOTORS ACC 9.0%15SMARTNOTES DUE 07/15/15TOYS R US INC 7.375%18BONDS DUE 10/15/18

Other Fixed IncomeFORD CAP B V 9.50%10FGTD DEB DUE 06/01/10U S TREAS STRIP 0% 02/12INT PMT DUE 02/15/12

U S TREAS STRIP 0% 08/12INT PMT DUE 08/15/12VAN KAMPEN UNIT TR 516 *UT 516 COHEN & STEERS MASTER MUN MONTHLY CASH

of 42







Performance details shown on this page are for the inidividual securities held in your portfolio and do not reflect your personal performance over time held.


S&P Moody'sPar

Value

Approx.Market

ValueCoupon

Rate

Approx.Current

YieldMaturity

DateCall

DatePaymentAmount

ExpectedDate of

PaymentTreasury Securities

US TREAS BOND 7.25%05/16 DUE 05/15/16 -- -- $25,000 $30,961 7.25% 5.85% 05/15/16 -- $906 05/15/10

Municipal Securities

BLAIRSVILLE-SALTS 4.5%23GO DUE 03/15/23BURGSCH DIST OID SYNCOR

N/R A1 $100,000 $102,155 4.50% 4.41% 03/15/23 03/15/17 $2,250 03/15/10

CALIFORNIA ST 5%22GO DUE 11/01/22UNREFUNDEDMBIA

N/R Baa1 $5,000 $5,007 5.00% 4.99% 11/01/22 05/01/10 $125 05/01/10

CALIFORNIA ST 5%23GO UTX DUE02/01/23UNREFUNDED OID FGIC

A Baa1 $20,000 $20,004 5.00% 5.00% 02/01/23 01/31/10 $500 02/01/10

CALIFORNIA ST 5%29GO DUE 02/01/29 OID AAA Baa1 $10,000 $10,903 5.00% 4.59% 02/01/29 02/01/12 $250 02/01/10

CALIFORNIA ST 6%10GO DUE 10/01/10 NPFG A Baa1 $10,000 $10,375 6.00% 5.78% 10/01/10 -- $300 04/01/10

CALIFORNIA ST 5.8%16GO DUE 06/01/16 A Baa1 $5,000 $5,010 5.80% 5.79% 06/01/16 01/31/10 $145 06/01/10

CALIFORNIA ST 7.5%34GO UTX BAB DUE 04/01/34SUBJ XTRO TXBL

A Baa1 $10,000 $9,780 7.50% 7.67% 04/01/34 -- $375 04/01/10

CALIFORNIA ST 5.25%27GO DUE 11/01/27 OID A Baa1 $20,000 $20,019 5.25% 5.24% 11/01/27 11/01/13 $525 05/01/10

CALIFORNIA ST 5.25%28GO DUE 02/01/28 A Baa1 $10,000 $9,873 5.25% 5.32% 02/01/28 08/01/13 $263 02/01/10

CALIFORNIA ST 4.375%17GO UTX DUE 10/01/17 OID A Baa1 $100,000 $100,026 4.375% 4.37% 10/01/17 01/31/10 $2,188 04/01/10

CALIFORNIA ST PUB 5.5%18REV DUE 12/01/18WKSBRD OID SUBJ XTRO

A- A1 $10,000 $10,013 5.50% 5.49% 12/01/18 01/31/10 $275 06/01/10

CHULA VISTA CALIF 5.6%21REV DUE 09/01/21CMNTYFACS DIST SPL OID

N/R N/R $5,000 $4,473 5.60% 6.26% 09/01/21 09/01/12 $140 03/01/10

FOLSOM CALIF SP 6.125%22REV DUE 09/01/22TAXOID

N/R N/R $10,000 $11,042 6.125% 5.55% 09/01/22 09/01/11 $306 03/01/10

FRESNO CALIF UNI SC 4%13GO U/LTX DUE08/01/13DIST FGIC

A+ N/R $50,000 $53,138 4.00% 3.76% 08/01/13 08/01/11 $1,000 02/01/10

JACKSON CNTY ORE 6.25%26REV DUE 11/01/26HSGAUTH REV OID

N/R N/R $5,000 $4,276 6.25% 7.31% 11/01/26 05/01/10 $156 05/01/10

of 42









S&P Moody'sPar

Value

Approx.Market

ValueCoupon

Rate

Approx.Current

YieldMaturity

DateCall

DatePaymentAmount

ExpectedDate of

PaymentMunicipal Securities

KNOX CNTY TENN HEAL 0%10REV DUE 01/01/10EDL &OID SUBJ XTRO MBIA

AA N/R $60,000 $60,000 0.00% 0.00% 01/01/10 -- $0 --

LANE CNTY ORE 3.875%14GO UTX DUE 06/15/14SCHDIST NO 052 OID FSA

N/R Aa2 $10,000 $10,571 3.875% 3.67% 06/15/14 06/15/12 $194 06/15/10

OREGON ST 6%21GO UTX DUE 08/01/21 OID SUBJAMT

AA Aa2 $5,000 $5,005 6.00% 5.99% 08/01/21 01/31/10 $150 02/01/10

OREGON ST DEPT 4.65%11REV DUE04/01/11ADMINISTRATIVE OID FSA

AAA Aa3 $10,000 $10,099 4.65% 4.60% 04/01/11 01/31/10 $233 04/01/10

PORTLAND ORE CMN 4.25%10GO UTX DUE06/01/10COLLEGE DIST OID

AA Aa2 $5,000 $5,084 4.25% 4.18% 06/01/10 -- $106 06/01/10

RIVERSIDE CALIF ELE 5%18** CALLED **DUE10/01/18@ 100.5% EFF 01/11/10

AA- N/R $15,000 $15,116 5.00% 4.96% 10/01/18 01/14/10 $375 04/01/10

SALEM ORE WTR & 5.5%18REV DUE 06/01/18SWRREV OID FSA

AAA Aa3 $10,000 $10,218 5.50% 5.38% 06/01/18 06/01/10 $275 06/01/10

WEST SACRAMENTO 5.25%34REV DUE 09/01/34CALIFSPL TAX

N/R N/R $10,000 $7,487 5.25% 7.01% 09/01/34 03/01/10 $263 03/01/10

Corporate Securities

CIT GROUP INC 7%13NOTES DUE 05/01/13 -- -- $1,785 $1,669 7.00% 7.49% 05/01/13 -- $31 02/10/10





EL PASO CORP 7%11NT DUE 05/15/11 BB- Ba3 $25,000 $25,656 7.00% 6.82% 05/15/11 02/03/10 $875 05/15/10

FORD MOTOR CRED 5.75%14NOTES DUE 02/20/14 B- B3 $20,000 $18,387 5.75% 6.25% 02/20/14 02/20/10 $575 02/20/10

GENL ELEC CAP 4%10INTERNOTES DUE 02/15/10 AA+ Aa2 $10,000 $10,030 4.00% 3.99% 02/15/10 -- $200 02/15/10

GENL MOTORS ACC 9.0%15SMARTNOTES DUE07/15/15

CCC Ca $5,000 $4,288 9.00% 10.50% 07/15/15 07/15/10 $38 01/15/10

of 42









S&P Moody'sPar

Value

Approx.Market

ValueCoupon

Rate

Approx.Current

YieldMaturity

DateCall

DatePaymentAmount

ExpectedDate of

PaymentCorporate Securities

TOYS R US INC 7.375%18BONDS DUE 10/15/18 CCC+ Caa1 $10,000 $9,163 7.375% 8.05% 10/15/18 02/03/10 $369 04/15/10

Other Fixed Income

FORD CAP B V 9.50%10FGTD DEB DUE 06/01/10 CCC Caa1 $10,000 $10,188 9.50% 9.33% 06/01/10 -- $475 06/01/10

U S TREAS STRIP 0% 02/12INT PMT DUE 02/15/12 -- -- $10,000 $9,745 0.00% 0.00% 02/15/12 -- $0 --

U S TREAS STRIP 0% 08/12INT PMT DUE 08/15/12 -- -- $20,000 $19,227 0.00% 0.00% 08/15/12 -- $0 --

VAN KAMPEN UNIT TR 516 *UT 516 COHEN & STEERSMASTER MUN MONTHLY CASH

-- -- $1,015 $7,989 0.00% 0.00% -- -- $0 --

Preferred Securities

Performance data not available for Preferred Stocks

AEGON NV 7.25% PFD FCAP SECS DUE PERP MTYSUBJ TO XTRO REDEMPTIONBANK OF AMER CAP TR 6%34TR PFD SEC DUE 11/03/34SUBJ TO XTRO REDEMPTIONCITIGROUP VIII 6.95%31CAP SECS DUE 09/15/31SUBJ TO XTRO REDEMPTIONHSBC USA INC 2023ELEMENTS DUE 06/16/23SUBJ TO XTRO REDEMPTION

ING GROUP N V 7.20% PFDFDEBT SECS DUE PERP MATSUBJ TO XTRO REDEMPTIONJ P MORGAN CHASE 6.20%34TR PFD SECS DUE 10/15/34SUBJ TO XTRO REDEMPTIONLINCOLN NATL CAP 6.75%52TR PFD SECS DUE 09/11/52SUBJ TO XTRO REDEMPTIONPARTNERRE LTD 6.75% PFDFCUM PERPETUAL SER C PFD

RBS CAP FND VII TR 6.08%ROYAL BK SCOTLAND 6.40%FPERPETUAL MATURITY SER M PFDSATURNS DPL INC 7.875%31TRUST UNIT DUE 09/01/31SUBJ TO XTRO REDEMPTIONSATURNS TR SEARS 7.25%32TRUST UNIT EXP 06/01/32SUBJ TO XTRO REDEMPTION

Benchmarks (Treasury Yields as of 12/31/09)

5-Year US Treasury Note 2.68%

10-Year US Treasury Note 3.84%

30-Year US Treasury Bond 4.64%

of 42


ACCOUNT SUMMARY


Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.

C Denotes a change in fund management during the 3-months ending December 31, 2009.



Account SummaryAccount 0000-0001

Current Asset Allocation




Fixed Income 15.3%

Cash Investments 32.2%

Other 0.0%

Total‡ 100%

0000-0001 Dana Jones

Security Symbol Rating Quantity Price ($)

12/31/09

Value ($) Asset Class

Cash and Cash Investments

CASH -- -- -- $20.61 Cash

SCHWAB CASH RESERVES SWEEP SHARES SWSXX -- -- 268,933.09 Cash Invest

Equities

Schwab Equity Ratingas of 01/01/10

A T & T INC NEW T B 241 $28.03 $6,743.41 Large Cap

ALCATEL LUCENT ADR FSPONSORED ADR 1 ADR REP 1ORD

ALU NC 89 3.32 295.48 International

ALLEGHENY ENERGY INC AYE D 409 23.48 9,595.12 Small Cap

BP PLC ADR FSPONSORED ADR 1 ADR REP 6 ORD BP NC 540 57.97 31,303.80 International

CHAMPION ENTERPRISES CJHBQ NC 80 0.04 3.51 Small Cap

CHEVRON CORPORATION CVX C 569 76.99 43,833.43 Large Cap

CITIGROUP INC C NR 324 3.31 1,071.38 Large Cap

CONSOLIDATED EDISON INC ED C 198 45.43 8,998.91 Large Cap

DUKE ENERGY CORP NEW DUK C 533 17.21 9,170.59 Large Cap

EXELON CORPORATION EXC C 47 48.87 2,274.49 Large Cap

EXXON MOBIL CORPORATION XOM C 167 68.19 11,387.73 Large Cap

F N B CORPORATION PA FNB C* 8,500 6.79 57,714.39 Small Cap

FAIRPOINT COMMUN INC FRCMQ NC 303 0.03 10.01 Small Cap

FIFTH THIRD BANCORP FITB B* 4,061 9.75 39,595.26 Small Cap

GENERAL ELECTRIC COMPANY GE B* 3,302 15.13 49,965.10 Large Cap

HSBC HLDGS PLC ADR NEW FSPONSORED ADR 1 ADRREPS 5 ORD

HBC NC 93 57.09 5,309.37 International

IDEARC INC IDARQ NC 11 0.00 0.04 Other

of 42


ACCOUNT SUMMARY




0000-0001 Dana Jones (Continued)


12/31/09



Equities


KROGER COMPANY KR C 309 $20.53 $6,352.42 Large Cap

LSI CORPORATION LSI C 25 6.01 150.25 Small Cap

MARATHON OIL CORP MRO B 258 31.22 8,058.10 Large Cap

MEDCOHEALTH SOLUTIONS MHS B 78 63.91 4,984.98 Large Cap

MERCK & CO INC NEW MRK NR 752 36.54 27,464.03 Large Cap

MICROSOFT CORP MSFT C 215 30.48 6,561.08 Large Cap

N C R CORP NEW NCR C 24 11.13 267.12 Small Cap

NISOURCE INC HOLDING CO NI A 253 15.38 3,884.29 Small Cap

ONEOK PARTNERS LP OKS NC 176 62.30 10,958.97 Small Cap

PFIZER INCORPORATED PFE B 127 18.19 2,313.34 Large Cap

REGIONS FINANCIAL CP NEW RF NR 254 5.29 1,341.52 Small Cap

ROYAL DUTCH SHELL B ADRFSPONSORED ADR 1 ADRREPS 2 CL B ORD

RDSB NC 43 58.13 2,499.59 International

SCANA CORPORATION NEW SCG C 287 37.68 10,795.15 Small Cap

SPECTRA ENERGY CORP SE B 241 20.51 4,942.91 Large Cap

TERADATA CORP TDC B 24 31.43 754.32 Small Cap

TRAVELERS COMPANIES INC TRV B 62 49.86 3,113.82 Large Cap

U G I CORPORATION NEW UGI A 319 24.19 7,705.81 Small Cap

VERIZON COMMUNICATIONS VZ B 258 33.13 8,548.99 Large Cap

WAL-MART STORES INC WMT C 220 53.45 11,744.25 Large Cap

of 42


ACCOUNT SUMMARY






12/31/09



Fixed Income S&P Par Value

BLAIRSVILLE-SALTS 4.5%23GO DUE 03/15/23BURGSCH DIST OID SYNCOR

-- N/R 100,000 102.16% $102,155.00 Fixed Income

EL PASO CORP 7%11NT DUE 05/15/11 -- BB- 25,000 102.63 25,656.25 Fixed Income

Mutual Funds Morningstar Overall

DWS HEALTH CARE FD CL S SCHLX �� 584 $23.11 $13,489.31 Large Cap

JANUS CONTRARIAN FD CL J JSVAX �� 1,256 13.19 16,568.10 Large Cap

JANUS GLOBAL TECHNOLOGY FD CL J JAGTX �� 63 13.92 876.96 Large Cap

JANUS GROWTH & INCM FD CL J JAGIX �� 299 28.45 8,497.10 Large Cap

Total Account Value $835,909.38

of 42


ACCOUNT SUMMARY











Fixed Income 30.4%


Other 14.7%

Total‡ 100%



12/31/09



CASH -- -- -- $11,960.58 Cash

SCHWAB CASH RESERVES SWEEP SHARES SWSXX -- -- 651.55 Cash Invest

Equities


ADVANCED CELL TECHNOLOGY ACTC NC 10,000 $0.09 $920.00 Other

ALCHEMY CREATIVE INC ALMY NC 2,000 0.00 5.80 Other

AMAZON COM INC AMZN B 125 134.52 16,815.00 Large Cap

AMERICAN CAPITAL LTD ACAS NC 1,912 2.44 4,665.28 Small Cap

ANWORTH MTG ASSET CORP REIT ANH NC 500 7.00 3,500.00 Small Cap

APPLE INC AAPL C 75 210.73 15,804.90 Large Cap

ARTS-WAY MFG CO INC ARTW NC 400 4.24 1,696.00 Small Cap

B & G FOODS INC BGS C 1,000 9.18 9,180.00 Small Cap

BALDOR ELECTRIC COMPANY BEZ C 250 28.09 7,022.50 Small Cap

CAPSTEAD MORTGAGE CP NEWREIT CMO NC 900 13.65 12,285.00 Small Cap

CLEAN ENERGY FUELS CORP CLNE D 1,000 15.41 15,410.00 Small Cap

COMPOSITE TECH CORP CPTC NC 5,000 0.27 1,325.00 Small Cap

DEERFIELD CAPITAL CP NEWREIT DFR NC 200 4.60 920.00 Small Cap

DHT MARITIME INC F DHT C 1,000 3.68 3,680.00 Small Cap

DIANA SHIPPING INC F DSX NC 1,000 14.48 14,480.00 International

DRYSHIPS INC F DRYS NC 1,000 5.82 5,820.00 International

EMCORE CORP EMKR C 2,300 1.07 2,461.00 Small Cap

ENTECH SOLAR INC ENSL NC 1,000 0.10 100.00 Other

of 42


ACCOUNT SUMMARY






12/31/09



Equities


FERRELLGAS PARTNERS LP FGP NC 250 $21.13 $5,282.50 Small Cap

FREEPORT MCMORAN COPPER FCX D 150 80.29 12,043.50 Large Cap

FRONTLINE LTD F FRO NC 1,000 27.32 27,320.00 International

GATEHOUSE MEDIA INC GHSE NC 1,000 0.20 200.00 Small Cap

GEN MARITIME CORP NEW F GMR D 1,000 6.99 6,990.00 International

GENTA INC NEW GETA NC 10,000 0.09 870.00 Small Cap

HATTERAS FINANCIAL CORP HTS NC 1,100 27.96 30,756.00 Small Cap

HYPOWER FUEL INC NEW HYPF NC 10,000 0.01 140.00 Other

LABOPHARM INC F DDSS NC 2,000 2.08 4,160.00 International

LINN ENERGY LINE NC 400 27.88 11,152.00 Small Cap

NEW CENTURY FINL CP N^XXBANKRUPT EFF 08/01/08 -- NC 1,900 N/A N/A Other

NO AMERN PALLADIUM LTD F PAL NC 1,000 3.50 3,500.00 International

OCCAM NETWORKS INC NEW DELAWARE OCNW B 30 5.40 162.00 Small Cap

OCEANFREIGHT INC F OCNF NC 2,000 0.93 1,850.00 International

OMNI ENERGY SERVICES NEW OMNI NC 1,000 1.26 1,260.00 Small Cap

PARAGON SHIPPING CL A PRGN C 1,000 4.55 4,550.00 Small Cap

PROTOKINETIX INC PKTX NC 8,000 0.08 640.00 Other

PYRAMID OIL CO PDO NC 250 5.09 1,272.50 Small Cap

SEQUENOM INC NEW SQNM F 1,000 4.14 4,140.00 Small Cap

SINOBIOMED INC SOBM NC 750 0.05 36.00 Small Cap

TENGASCO INC NEW TGC NC 500 0.45 225.00 Small Cap

of 42


ACCOUNT SUMMARY






12/31/09



Equities


U S SHIPPING PARTNERSXXXBANKRUPT EFF 11/13/09 -- NC 10,100 N/A N/A Other

VALE SA ADR FSPONSORED ADR 1 ADR REP 1 ORD VALE NC 600 29.03 17,418.00 International

ZVUE CORPORATION ZVUE NC 1,000 0.01 5.00 Small Cap


AEGON NV 7.25% PFD FCAP SECS DUE PERP MTYSUBJTO XTRO REDEMPTION

AEF -- 400 19.79% $7,916.00 Fixed Income

BANK OF AMER CAP TR 6%34TR PFD SEC DUE11/03/34SUBJ TO XTRO REDEMPTION

BAC+Y -- 200 19.50 3,900.00 Fixed Income

CALIFORNIA ST 5%29GO DUE 02/01/29 OID -- AAA 10,000 109.03 10,903.00 Fixed Income

CALIFORNIA ST 5.25%28GO DUE 02/01/28 -- A 10,000 98.73 9,873.10 Fixed Income

CALIFORNIA ST PUB 5.5%18REV DUE 12/01/18WKSBRD OID SUBJ XTRO

-- A- 10,000 100.13 10,013.20 Fixed Income

CHULA VISTA CALIF 5.6%21REV DUE 09/01/21CMNTYFACS DIST SPL OID

-- N/R 5,000 89.45 4,472.55 Fixed Income

CITIGROUP VIII 6.95%31CAP SECS DUE 09/15/31SUBJTO XTRO REDEMPTION

C+Z -- 500 20.75 10,375.00 Fixed Income

FOLSOM CALIF SP 6.125%22REV DUE 09/01/22TAX OID -- N/R 10,000 110.42 11,042.10 Fixed Income

FORD CAP B V 9.50%10FGTD DEB DUE 06/01/10 -- CCC 10,000 101.88 10,187.50 Fixed Income

GENL MOTORS ACC 9.0%15SMARTNOTES DUE07/15/15

-- CCC 5,000 85.75 4,287.50 Fixed Income

ING GROUP N V 7.20% PFDFDEBT SECS DUE PERPMATSUBJ TO XTRO REDEMPTION

INZ -- 200 19.28 3,856.00 Fixed Income

J P MORGAN CHASE 6.20%34TR PFD SECS DUE10/15/34SUBJ TO XTRO REDEMPTION

JPM+Y -- 200 24.05 4,810.00 Fixed Income

of 42


ACCOUNT SUMMARY






12/31/09




LINCOLN NATL CAP 6.75%52TR PFD SECS DUE09/11/52SUBJ TO XTRO REDEMPTION

LNC+F -- 200 22.50% $4,500.00 Fixed Income

PARTNERRE LTD 6.75% PFDFCUM PERPETUAL SER CPFD

PRE+C -- 600 23.50 14,100.00 Fixed Income

RBS CAP FND VII TR 6.08% RBS+G -- 400 10.00 4,000.00 Fixed Income

ROYAL BK SCOTLAND 6.40%FPERPETUAL MATURITY SERM PFD

RBS+M -- 600 10.50 6,300.00 Fixed Income

SATURNS DPL INC 7.875%31TRUST UNIT DUE09/01/31SUBJ TO XTRO REDEMPTION

MJT -- 200 25.28 5,056.00 Fixed Income

SATURNS TR SEARS 7.25%32TRUST UNIT EXP06/01/32SUBJ TO XTRO REDEMPTION

-- -- 200 13.41 2,681.26 Fixed Income

TOYS R US INC 7.375%18BONDS DUE 10/15/18 -- CCC+ 10,000 91.63 9,162.50 Fixed Income

VAN KAMPEN UNIT TR 516 *UT 516 COHEN & STEERSMASTER MUN MONTHLY CASH

-- -- 1,015 7.87 7,989.07 Fixed Income

WEST SACRAMENTO 5.25%34REV DUE 09/01/34CALIFSPL TAX

-- N/R 10,000 74.87 7,486.90 Fixed Income


ALLIED CAP CORP NEW ALD -- 1,515 $3.61 $5,469.15 Other

ARES CAPITAL CORP ARCC -- 1,000 12.45 12,450.00 Other

BLACKROCK GLOBAL OPPTYS BOE -- 396 18.89 7,480.44 Multi-Asset

CROSS TIMBERS ROYALTY TRROYALTY TRUST CRT -- 1,000 33.72 33,720.00 Other

FRANKLIN INCOME FUND CL A FKINX �� 5,151 2.07 10,663.30 Fixed Income

GABELLI UTILITIES A GAUBA �� 1,095 6.50 7,115.41 Small Cap

HERCULES TECH GROWTH HTGC -- 1,000 10.39 10,390.00 Small Cap

of 42


ACCOUNT SUMMARY






12/31/09




HUGOTON ROYALTY TR UBI ROYALTY TRUST HGT -- 500 $16.08 $8,040.00 Other

MESABI TRUST CTF BEN INTROYALTY TRUST MSB -- 500 12.80 6,400.00 Other

NUVEEN GLOBAL VALUE OPPT JGV -- 900 17.53 15,777.00 Multi-Asset

PARAMOUNT ENERGY TRUST FTRUST UNIT PMGYF -- 1,000 4.98 4,979.10 Other

PERMIAN BASIN ROYALTY TRROYALTY TRUST PBT -- 500 14.44 7,220.00 Other

PIMCO CA MUN INCM FD IIICALIFORNIA PZC -- 300 9.08 2,724.00 Fixed Income

PIMCO CAL MUNI INC FD II PCK -- 675 8.68 5,859.00 Fixed Income

PROSPECT CAPITAL CORP PSEC -- 1,500 11.81 17,715.00 Small Cap

VAN KAMPEN UNIT TRS *UT 683 CLSD END STRATCOHEN&STEERS MASTR INCM

-- -- 555 5.99 3,322.23 Other


of 42


ACCOUNT SUMMARY











Fixed Income 11.1%


Other 1.4%

Total‡ 100%



12/31/09



CASH -- -- -- $31.01 Cash


Equities


C I T GROUP INC NEW CIT NR 153 $27.61 $4,224.33 Other

CAPITALSOURCE INC REIT CSE B* 1,000 3.97 3,970.00 Small Cap

GENERAL ELECTRIC COMPANY GE B* 800 15.13 12,104.00 Large Cap

IOWA TELECOMMUNICATIONS IWA NR 4,000 16.76 67,040.00 Small Cap

NORTH VALLEY BANCORP NOVB NC 500 2.09 1,045.00 Small Cap

PLUMAS BANCORP QUINCY CA PLBC NC 1,359 3.00 4,077.00 Small Cap

PREMIERWEST BANCORP PRWT NC 48,339 1.42 68,641.38 Small Cap


CIT GROUP INC 7%13NOTES DUE 05/01/13 -- -- 1,785 93.50% $1,668.98 Fixed Income

CIT GROUP INC 7%14NOTES DUE 05/01/2014 -- -- 2,678 92.88 2,487.19 Fixed Income




FORD MOTOR CRED 5.75%14NOTES DUE 02/20/14 -- B- 20,000 91.94 18,387.24 Fixed Income


of 42


ACCOUNT SUMMARY











Fixed Income 52.9%


Other 0.0%

Total‡ 100%



12/31/09



CASH -- -- -- $121.40 Cash



GENL ELEC CAP 4%10INTERNOTES DUE 02/15/10 -- AA+ 10,000 100.30% $10,029.72 Fixed Income

U S TREAS STRIP 0% 02/12INT PMT DUE 02/15/12 -- -- 10,000 97.45 9,744.53 Fixed Income

U S TREAS STRIP 0% 08/12INT PMT DUE 08/15/12 -- -- 20,000 96.13 19,226.56 Fixed Income


VANGUARD GNMA FUND INVESTOR SHARE VFIIX �� 4,727 $10.64 $50,292.68 Fixed Income


of 42


ACCOUNT SUMMARY










International Equity <0.1%

Fixed Income 69.3%


Other 0.0%

Total‡ 100%



12/31/09



CASH -- -- -- $518.05 Cash

SCHWAB VALUE ADVANTAGE MONEY FUND SWVXX -- -- 6,055.38 Cash Invest

Equities


A T & T INC NEW T B 34 $28.03 $950.83 Large Cap

ALCATEL LUCENT ADR FSPONSORED ADR 1 ADR REP 1ORD

ALU NC 25 3.32 83.00 International

AOL INC AOL NA 1 23.28 23.28 Small Cap

CISCO SYSTEMS INC CSCO C 160 23.94 3,830.40 Large Cap

COMCAST CORP NEW CL A CMCSA B* 76 16.86 1,281.36 Large Cap

EARTHLINK INC ELNK A 184 8.31 1,528.84 Small Cap

INTEL CORP INTC C* 229 20.40 4,661.86 Large Cap

LSI CORPORATION LSI C 6 6.01 36.06 Small Cap

ORACLE CORPORATION ORCL B* 242 24.53 5,930.68 Large Cap

SUNTRUST BANKS INC STI D* 42 20.29 852.12 Small Cap

TIME WARNER CABLE TWC C 5 41.39 206.95 Large Cap

TIME WARNER INC NEW TWX B 21 29.14 624.21 Large Cap


KNOX CNTY TENN HEAL 0%10REV DUE 01/01/10EDL &OID SUBJ XTRO MBIA

-- AA 60,000 100.00% $60,000.00 Fixed Income


of 42


ACCOUNT SUMMARY











Fixed Income 25.8%


Other 0.0%

Total‡ 100%



12/31/09



SCHWAB CASH RESERVES SWEEP SHARES SWSXX -- -- $157,514.64 Cash Invest

SCHWAB VALUE ADVANTAGE MONEY FUND SWVXX -- -- 511,147.58 Cash Invest

Equities


ALLIANT ENERGY CORP LNT D 330 $30.26 $9,985.80 Small Cap

ANGIOTECH PHARM INC F ANPI NC 68 1.24 84.32 International

DEERE & CO DE C 600 54.09 32,454.00 Large Cap

FARMER BROS CO COM FARM F 3,000 19.73 59,190.00 Small Cap

HANOVER INSURANCE GROUP THG C 164 44.43 7,286.52 Small Cap

HUMANA INC HUM B 150 43.89 6,583.50 Small Cap

INSMED INC NEW INSM C* 18 0.77 13.86 Small Cap

INTEL CORP INTC C* 8,400 20.40 171,360.00 Large Cap

MOTORS LIQUIDATION CO MTLQQ NC 82 0.47 38.62 Small Cap

QUANTUM CP DLT & STORAG QTM B 1,000 2.93 2,930.00 Small Cap

SCHLUMBERGER LTD F SLB C 400 65.09 26,036.00 International

SEAGATE TECHNOLOGY F STX C 281 18.19 5,111.39 Small Cap

TRANSOCEAN INC NEW F RIG B 26 82.80 2,152.80 International


CALIFORNIA ST 5%22GO DUE 11/01/22UNREFUNDEDMBIA

-- N/R 5,000 100.14% $5,007.20 Fixed Income

CALIFORNIA ST 5%23GO UTX DUE02/01/23UNREFUNDED OID FGIC

-- A 20,000 100.02 20,003.60 Fixed Income

of 42


ACCOUNT SUMMARY






12/31/09




CALIFORNIA ST 6%10GO DUE 10/01/10 NPFG -- A 10,000 103.75% $10,375.20 Fixed Income

CALIFORNIA ST 5.8%16GO DUE 06/01/16 -- A 5,000 100.20 5,010.05 Fixed Income

CALIFORNIA ST 7.5%34GO UTX BAB DUE 04/01/34SUBJ XTRO TXBL

-- A 10,000 97.80 9,780.10 Fixed Income

CALIFORNIA ST 5.25%27GO DUE 11/01/27 OID -- A 20,000 100.10 20,019.20 Fixed Income

CALIFORNIA ST 4.375%17GO UTX DUE 10/01/17 OID -- A 100,000 100.03 100,026.00 Fixed Income

FRESNO CALIF UNI SC 4%13GO U/LTX DUE08/01/13DIST FGIC

-- A+ 50,000 106.28 53,138.00 Fixed Income

RIVERSIDE CALIF ELE 5%18** CALLED **DUE10/01/18@ 100.5% EFF 01/11/10

-- AA- 15,000 100.77 15,115.80 Fixed Income

US TREAS BOND 7.25%05/16 DUE 05/15/16 -- -- 25,000 123.84 30,960.93 Fixed Income


AMERICAN CENTURY CA LONG TERM TAX FREE FUND BCLTX �� 5,722 $10.74 $61,451.58 Fixed Income

SCHWAB DIVIDEND EQUITY FUND SWDSX �� 1,825 11.73 21,408.87 Large Cap

SCHWAB LARGE-CAP GROWTH FUND SWLSX �� 2,026 9.87 19,992.79 Large Cap

SCHWAB PREMIER INCOME FD SWIIX -- 2,878 9.97 28,689.67 Fixed Income

Total Account Value $1,392,868.02

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ACCOUNT SUMMARY











Fixed Income 54.5%


Other 14.9%

Total‡ 100%



12/31/09



CASH -- -- -- $31,150.29 Cash

Equities


EXXON MOBIL CORPORATION XOM C 150 $68.19 $10,200.36 Large Cap

MIRANT CORPORATION XXXESCROW PENDING POSSIBLEFUTURE DISTRIBUTION

-- NC 59 N/A N/A Other

UNITED STATES NAT GAS FDMASTER LTD PARTNERSHIP UNG NC 1,760 10.08 17,740.80 Small Cap


HSBC USA INC 2023ELEMENTS DUE 06/16/23SUBJ TOXTRO REDEMPTION

LSC -- 2,122 9.25% $19,624.26 Fixed Income

JACKSON CNTY ORE 6.25%26REV DUE 11/01/26HSGAUTH REV OID

-- N/R 5,000 85.51 4,275.65 Fixed Income

LANE CNTY ORE 3.875%14GO UTX DUE 06/15/14SCHDIST NO 052 OID FSA

-- N/R 10,000 105.71 10,571.40 Fixed Income

OREGON ST 6%21GO UTX DUE 08/01/21 OID SUBJ AMT -- AA 5,000 100.10 5,004.90 Fixed Income

OREGON ST DEPT 4.65%11REV DUE04/01/11ADMINISTRATIVE OID FSA

-- AAA 10,000 100.99 10,099.10 Fixed Income

PORTLAND ORE CMN 4.25%10GO UTX DUE06/01/10COLLEGE DIST OID

-- AA 5,000 101.67 5,083.55 Fixed Income

SALEM ORE WTR & 5.5%18REV DUE 06/01/18SWR REVOID FSA

-- AAA 10,000 102.18 10,217.60 Fixed Income

Exchange-Traded Funds (ETF) Morningstar Overall

BARCLAYS BANK IPATH ETN GSCI CRUDE OIL INDEX OIL -- 825 $25.88 $21,351.00 Other

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ACCOUNT SUMMARY






12/31/09



Exchange-Traded Funds (ETF) Morningstar Overall

ISHARES MSCI AUS IDX FD AUSTRALIA INDEX FUND EWA -- 902 $22.84 $20,601.68 International

ISHARES MSCI EMRG MKT FDEMERGING MARKETS INDXFD

EEM -- 511 41.50 21,206.50 International

ISHARES TR BARCLAYS TIPSBOND FUND TIP -- 411 103.90 42,692.09 Fixed Income

ISHARES TR DOW JONES RE US REAL ESTATE INDEX FD IYR -- 791 45.92 36,335.44 Multi-Asset

ISHARES TR RUSSELL 3000 RUSSELL 3000 INDEX FUND IWV -- 1,190 65.28 77,690.79 Large Cap

ISHARES TRUST IBOXX $ HIGH YIELD CORP BOND FUND HYG -- 179 87.84 15,739.12 Fixed Income

POWERSHS DB COMMDTY INDX DBC -- 1,933 24.62 47,590.46 Other

POWERSHS DB US DOLLAR TRINDEX BULLISH FUND UUP -- 1,094 23.08 25,249.52 Other

POWERSHS EXCH TRAD FD TREMERGING MKTSSOVEREIGN DEBT PORTFOLIO

PCY -- 771 25.53 19,684.72 Fixed Income

POWERSHS EXCH TRAD FD TRWILDERHILL CLEANENERGY PORTFOLIO

PBW -- 1,774 11.00 19,514.00 Multi-Asset

RYDEX ETF TRUST AUSTRALIAN DOLLAR TRUST FXA -- 228 90.07 20,535.96 Other

S P D R TRUST UNIT SR 1 EXPIRING 01/22/2118 SPY -- 127 111.44 14,160.54 Large Cap

SPDR BARCLAYS CAPITAL CONVERTIBLE BOND ETF CWB -- 547 37.79 20,657.51 Other

SPDR GOLD TRUST SPDR GOLD SHARES GLD -- 45 107.31 4,828.95 Other

SPDR SERIES TRUST ETF DB INTL GOVERNMENTINFLATION PROTECTED BOND

WIP -- 851 55.86 47,536.86 Fixed Income

VANGUARD EXTENDED MKT VXF -- 472 43.06 20,324.32 Small Cap

VANGUARD INTL EQTY INDEXFTSE ALL WORLD EX US ETF VEU -- 458 43.61 19,973.38 International

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ACCOUNT SUMMARY






12/31/09




ALLIANCEBERNSTEIN GLOBAL AWF -- 1,893 $13.29 $25,152.73 Fixed Income

COLUMBIA OR INTERM MUNI BD CL Z CMBFX �� 12,746 12.25 156,139.43 Fixed Income

NUVEEN PREM INCM MUN FD NPI -- 960 13.15 12,622.27 Fixed Income

NUVEEN SELCT QLTY MUN FD NQS -- 1,081 14.07 15,206.18 Fixed Income

VANGUARD GNMA FUND INVESTOR SHARE VFIIX �� 7,193 10.64 76,538.38 Fixed Income

VANGUARD INTER TERM TAX EXEMPT FD INVESTOR SHS VWITX �� 2,788 13.47 37,550.72 Fixed Income


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IMPORTANT INFORMATION


Important Information about Your Quarterly Portfolio Profile

IntroductionYour Quarterly Portfolio Profile reflects your account positions held at Charles Schwab & Co., Inc. as of the last businessday of the quarter reflected. The supplemental material in the report is provided for informational purposes only andshould not be considered an individualized recommendation or personalized investment advice. The Quarterly PortfolioProfile should not be substituted for, or considered, your account statement. Please consult your Schwab accountstatement for information of record regarding your account’s balance, positions and transactions.

Transactions that were pending settlement as of the end of the calendar quarter may not be included in this report. Forpresentation purposes, Net Portfolio Values listed on the first page of this report are rounded to the nearest wholedollar.

Third-Party InformationThird parties provide certain information in your report. Schwab believes that such third-party information is reliable, butdoes not guarantee its accuracy, timeliness or completeness, and it is subject to change without notice.

Data providers, such as Standard & Poor’s, Inc (S&P) and Reuters may not make information available on all companies.Mutual Fund rating information is provided by Morningstar, Inc. Ratings data for fixed income is provided by Moody’s andS&P. Fixed income fundamental and performance data is provided by S&P. The Global Industry Classification Standard(GICS) was developed by and is the exclusive property of Morgan Stanley Capital International Inc. and Standard &Poor’s. GICS is a service mark of MSCI and S&P and Schwab has licensed its use.

Market Cap as of 12/31/09:Large Cap U.S. Stocks have a market capitalization of $10.142 billion or greater.

Small Cap U.S. Stocks have a market capitalization of less than $10.142 billion.

Ratings

Schwab Equity Ratings®Schwab Equity Ratings are assigned to approximately 3000 of the largest (by market capitalization) U.S. headquarteredstocks using a scale of "A", "B", "C", "D", and "F." The explanation and table below are included to assist you in usingSchwab Equity Ratings as one component of your own research to evaluate stocks and investment opportunities.

Charles Schwab & Co. ("Schwab") rates stocks "A" to "F." Schwab's outlook is that "A" rated stocks, on average, willstrongly outperform and "F" rated stocks, on average, will strongly underperform the equities market over the next 12months. Schwab Equity Ratings are based upon a disciplined, systematic approach that evaluates each stock on thebasis of a wide variety of investment criteria from four broad categories: Fundamentals, Valuation, Momentum, and Risk.This approach attempts to gauge investor expectations since stock prices tend to move in the same direction aschanges in investor expectations. Stocks with low and potentially improving investor expectations tend to receive thebest Schwab Equity Ratings ("A" or "B" ratings), while stocks with high and potentially falling investor expectations tendto receive the worst Schwab Equity Ratings ("D" or "F" ratings). From time to time, Schwab may update the SchwabEquity Ratings methodology.

Schwab Equity Ratings Distribution

Schwab Percentile Ranking Schwab Equity 12 Month Return General Buy/Hold/Sell

Equity Rating Distribution Rating Distribution Outlook Guidance†

A 1-5 Top 5% Strongly Outperform Buy

B 6-30 Next 25% Outperform Buy

C 31-70 Next 40% Marketperform Hold

D 71-95 Next 25% Underperform Sell

F 96-100 Bottom 5% Strongly Underperform Sell†The general buy/hold/sell guidance is relative to other rated equities only. Before considering whether to take anyaction, an investor should consider whether equities generally are performing well in comparison to other asset classesand whether other equities in the same sector or category with the same or better rating may be more appropriate.

This material is for informational purposes only and is not an offer to sell or the solicitation of an offer to buy.Additionally, Schwab Equity Ratings, Percentile Rankings, and the general guidance are not personal recommendationsfor any particular investor or client and do not take into account the financial, investment or other objectives or needs of,and may not be suitable for any particular investor or client. Before buying, investors and clients should consider whetherthe investment is suitable. Investors and clients should consider Schwab Equity Ratings as only a single factor in makingtheir investment decision while taking into account the current market environment. Accordingly, Charles Schwab & Co.,Inc. ("Schwab") does not assess the suitability (or the potential value) of any particular investment. Schwab also doesnot provide tax advice and the views in the material do not take into account any client's or investor's tax situation.Clients and investors should consult their tax advisers before investing. Schwab Equity Ratings utilize third-party data inthe forming of a rating. While Schwab believes such third-party information is reliable, we do not guarantee its accuracy,timeliness or completeness. Schwab Equity Ratings are generally updated weekly, so you should review and consider any

recent market or company news before taking any action. Stocks may go down as well as up and investors (includingclients) may lose money, including their original investment. Past history is no indication of future performance andreturns are not guaranteed. For individual advice, please call Schwab using the number on the first page of this report.

Descriptions for Non-Rated Stocks

Category Definition DescriptionSchwab has decided not to publish a rating on this stock due to unusual orextraordinary business circumstances related to this company.

NR Not Rated

A Schwab Equity Rating is not available on this stock due to insufficientinformation about the stock.

NA Not Available

This stock is not currently in the Schwab Equity Rating universe or is prohibitedfrom coverage for regulatory reasons.

NC Not Covered

Check current news because a potentially significant event has beenannounced for an A or B rated stock. Although Schwab generally does notmonitor C, D, and F rated stocks for current news, from time to time, asterisksmay appear on a particular stock due to certain circumstances (e.g. thedowngrade of a stock from a B to a C-rating). In any event, you should alwayscheck news on a stock before placing a trade.

* Check News

Schwab Equity Ratings Explanation

A (Strongly Outperform): If an investor is looking to add a stock to his or her portfolio, “A” rated stocks may be thebest candidates for consideration.

B (Outperform): An investor looking to add a stock to his or her portfolio should also consider a “B” rated stock,though preference should be given to “A” rated stocks.

C (Marketperform): An investor would not usually consider a “C” rated stock for purchase. An investor that has a “C”rated stock in his or her portfolio should consider continuing to hold the stock, and might monitor the stock’songoing performance and compare the potential benefits of owning a stock with higher ratings.

D (Underperform): An investor holding a “D” rated stock should consider whether it is appropriate to continue to holdthat stock in his or her portfolio. An investor would not usually consider a “D” rated stock for purchase.

F (Strongly Underperform): An investor holding an “F” rated stock should consider whether it is appropriate to eliminatethat stock from his or her portfolio. An investor would not usually consider an “F” rated stock for purchase.

S&P OpinionThe Standard & Poor’s STAR (Stock Appreciation Ranking System) rating provides S&P’s recommendations for action(e.g. buy, hold, or sell), based on their opinion of a stock’s potential to outperform the S&P 500 over the next six totwelve months. Rankings are as follows:

Buy Expected to be among the best performers of the S&P 500 stocks over the next 12 months.��Accumulate Expected to be an above average performer.��Hold Expected to be an average performer.��Avoid Likely to be a below average performer.��Sell Expected to be a well below average performer and to fall in price.�

Reuters Analyst Consensus:Averages the opinions of third-party analysts tracked by Reuters who follow the company. Five boxes are listed, withdegrees of opinion moving out from the center “Hold” box. From left to right, the boxes represent: Sell (far left),Underperform (2nd from left), Hold (center), Outperform (2nd from right), Buy (far right). The number of analysts withopinions on the stock is listed with the appropriate number in parentheses. Analyst consensus ratings in the QPP reportare as of the calendar quarter end.

Reuters updates analyst consensus on a daily basis. For the most recent consensus rating, please refer to the SchwabEarnings Report on the Schwab website.

Morningstar RatingsThe Morningstar star ratings evaluate how well a mutual fund has performed compared to other funds in the same broadinvestment class. (The investment classes are domestic stock, international stock, taxable bond and municipal bond).The Morningstar ratings take into account the fund’s historical return, with an adjustment for the fund’s historical risk.Funds are rated from 5 stars (highest) to 1 star (lowest). Funds with higher star ratings generally have higher historicalrisk-adjusted returns.

Overall: In determining the overall rating, the 3-, 5-, and 10-year time periods are combined as a weighted average, withlonger time periods weighted more heavily. If the fund scores in the top 10%, it receives 5 stars (highest); the next22.5%, it receives 4 stars (above average); the middle 35%, 3 stars (neutral or average); the next 22%, 2 stars (below

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IMPORTANT INFORMATION


Important Information about Your Quarterly Portfolio Profile

average); and the bottom 10%, 1 star (lowest). Ratings are recalculated monthly.

Historical Risk: Evaluates the weighted average of a fund’s downside volatility (i.e., how often it has underperformedTreasury bills) relative to that of other funds in its broad investment category. To calculate risk, Morningstar adds up theamounts by which the fund trails the T-bill return each month and divides that sum by the number of months in the ratingperiod.

S&P Fixed Income Rating Explanation

AAA Highest quality B Speculative

AA High quality CCC, CC Default possible

A Upper medium grade C Default, partial recovery possible

BBB Medium grade D Default, recovery not likely

BB Speculative elements NA Not Applicable

S&P may modify ratings from AA to CCC by the addition of a plus (+) or minus (-) to show relative standing within themajor rating category.

Moody’s Fixed Income Rating Explained

Aaa Highest quality Caa Default possible

Aa High quality Ca Default, partial recovery possible

A Upper medium grade C Default, recovery not likely

Baa Medium grade NR Not rated

Ba Speculative elements NA Not Applicable

SpeculativeB

Short-term obligation, Moody’s Investment Grade (1-3, where 1 denotes best quality, 2 denotes high quality, and3 denotes favorable quality)

MIG

Short-term obligation, speculative qualitySG

Moody’s applies numerical modifiers 1, 2, and 3 in each generic category rating classification from Aa to B. The modifier1 indicates that the issue ranks in the higher end of its generic rating category; the modifier 2 indicates a mid-rangeranking; and the modifier 3 indicates that the issue ranks in the lower end of its generic category.

Benchmark DataPerformance of indices is provided in your report for comparison purposes. Indexes are unmanaged, do not incurmanagement fees, costs and expenses (or transaction fees or other related expenses) and cannot be invested indirectly. Past performance of any index should not be considered indication of future return. The indexes included are:

• The S&P 500® Index for large-capitalization stocks and/or funds. The S&P 500 includes common stocks of 500widely held companies. S&P 500 is a registered mark of The McGraw Hill Co., Inc.

• Russell 2000® Index for small-capitalization stocks and/or funds. This index consists of the 2,000 smallestcompanies in the Russell 3000® Index, which represents approximately 98% of the total market value of publiclyavailable domestic equities.

• The Morgan Stanley Capital International Europe, Australasia, Far East (MSCI-EAFE) Index is an index of foreign stocksreturns of selected exchanges in these markets. Its total return is calculated in U.S. dollars.

• Barclays Capital Aggregate Bond Index (formerly the Lehman Brothers Aggregate Bond Index): Includes fixed rate debtissues rated investment grade or higher by Moody’s Investors Service, Standard and Poor’s, or Fitch Investor’sService, in that order. All issues must have at least 1 year left to maturity and have an outstanding par value of atleast $250 million. The Aggregate Index is comprised of the Government/Credit, the Mortgage-Backed Securities, theCommercial Mortgage-Backed Securities and the Asset-Backed Securities indices.

• Barclays Capital Municipal Bond Index : A broad-based, total return index for the long-term tax-exempt bond market.The Index has four main sectors: state and local general obligation bonds, revenue bonds, insured bonds, andpre-refunded bonds. The bonds are all investment-grade, fixed-rate, long-term maturities (greater than one year) andare selected from issues larger than $75 million dated since January 1991. Bonds are added to the Index andvalue-weighted and updated at month-end.

• The Wilshire 5000 Index is a broad-market index of U.S. publicly traded equities and is frequently used as a proxy forthe overall equity market. The sector weightings are subject to change. Sectors are provided by Global IndustryClassification Standard (GICS) by MSCI and S&P. Sectors may not be available for all securities.

Performance and Growth InformationReturns are adjusted for management, administrative and 12b-1 fees and other costs automatically deducted from fundassets. Total returns are also adjusted for sales loads and assume the reinvestment of capital gains and dividends.

Information on Investments

• Bond: Income on tax-free bonds may be subject to the Alternative Minimum Tax. Government bond prices are notguaranteed; their price and investment return will fluctuate with market conditions and interest rate movements.Investors may experience a loss or may, due to prepayment obligations, receive back part of their investment beforeredemption.

• High Yield Bond Fund: Investments in high yield bond funds are subject to greater risk of loss of principal and interestthan other bond funds. Purchasers should carefully assess the risks associated with an investment in this fund.

• International: International investments are subject to additional risk such as currency fluctuations, political instability,foreign regulations, and the potential for illiquid markets.

• Mutual Fund: Managers may occasionally waive all or a portion of fund fees at any given period. Waived fees wouldhave the effect of increasing the fund’s reported performance and may not necessarily recur; review any prospectusfor details.

Principal value and investment return will fluctuate with changes in market conditions so an investor’s shares, when

redeemed, may be worth more or less than their original cost.

Schwab’s short-term redemption fee will be charged on redemption of funds (except certain SchwabFunds) boughtthrough Schwab’s Mutual Fund OneSource service (and certain other funds with no transaction fee) and held for 180days or less. If you pay a transaction fee to purchase a fund, you will pay a transaction fee when you sell it as well.Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees onany funds. Schwab receives remuneration from funds companies participating in Mutual Fund OneSource.

• Schwab Money Market Fund: An investment in the Fund is not insured or guaranteed by the Federal Deposit InsuranceCorporation or any other government agency. Although the Fund seeks to preserve the value of your investment at$1.00 per share, it is possible to lose money by investing in a money market fund.

• Sector Fund: Since the fund focuses its investments on companies involved in a single sector, the fund may involve agreater degree of risk than an investment in other mutual funds with greater diversification.

• Small Cap: Small cap investments are subject to greater volatility than investments in other asset categories.

Additional InformationFor additional details about your Quarterly Portfolio Profile, please consult the User Guide available on the Schwabwebsite or please call us at the phone number on page 1 of this report.

• Go to www.schwab.com/QPP

• Click “Quarterly Portfolio Profile”

• Select “All Reports” under View Reports

• Select “View Quarterly Portfolio Profile User Guide”

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