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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.
Page 1 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
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
Page 2 of 42
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
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
PORTFOLIO SUMMARY
Please refer to the back of this report for important information.©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.
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 $25 service chargeapplies.
³The Schwab Center for Financial Research is adivision of Charles Schwab & Co. Inc.
Page 3 of 42
Portfolio Alerts
We have identified the following potential issues within your portfolio that could impact the likelihood of achieving your investment goals and objectives.If you would like to discuss these notifications, please call your Financial Consultant or call 800-435-9050.
Asset Allocation (3 alerts)
Large Cap Equity page 4
Your portfolio is underweight in Large CapEquity.
International Equity page 4
Your portfolio is underweight in InternationalEquity.
Cash Investments† page 4
Your portfolio is overweight in CashInvestments†.
Equities | View (1 alert)
Schwab Stock Lists®
Equity Quality page 7
One or more of this portfolio’s equities israted D or F. View Schwab Stock Lists® forrebalancing ideas.
† The category ‘Cash Investments’ is an aggregate of your money market mutual funds, money market sweep funds, Schwab Bank Deposit Sweep Feature, certificates of deposit issued with maturitiesequal to or less than 1 year, commercial paper, and treasury bills. Non-deposit investment products are held by Charles Schwab & Co., Inc., member SIPC, and its affiliates and are not FDIC insured,may lose value, and are not bank guaranteed. See your account statement, or representative for more details.
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
PORTFOLIO SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Current vs Target Asset Allocation
Current Allocation
Large Cap Equity 15.9%
Small Cap Equity 14.5%
International Equity 5.3%
Fixed Income 31.5%
Cash Investments† 27.4%
Other 5.3%
Target Allocation
Moderate
Large Cap Equity 35.0%
Small Cap Equity 10.0%
International Equity 15.0%
Fixed Income 35.0%
Cash Investments† 5.0%
Other 0.0%
Current Target Rebalancing Guidelines
Asset Class Value ($) (%) 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†.
Page 4 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
PORTFOLIO SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
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%.
Page 5 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
PORTFOLIO SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
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.
Page 6 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
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 $703,801 100%
Morningstar Ratings
����� 40%
���� 19%
��� 9%
�� 0%
� 0%
Unrated 32%
Mutual Fund Ratings
Morningstar Ratings
You can view the Morningstar ratings of eachof your mutual fund positions from 5 stars(highest) to 1 star (lowest). If you have 1 or2 star rated mutual funds that are not on ourMutual Fund Select List, you may want toconsider reevaluating your reasons forholding these mutual funds.
‡ Portfolio analysis excludes short positions, margin balances, options, warrants, rights and futures.
Page 7 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
EQUITY PROFILE
Please refer to the back of this report for important information. Important SER rating details and disclosures are available at the back of this report.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: One or more of your individual equities is rated D or F. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
Equity Profile
Performance details shown on this page are for the inidividual equities held in your portfolio and do not reflect your personal performance over time held.
* A significant event has been announced. Please check current news.
Ratings Performance Earnings
Previous QTR Return Past 12 Months12/31/09
Value ($)
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)
Information Technology
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)
Consumer Discretionary
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%
Page 8 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
EQUITY PROFILE
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).
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.
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.
Equity Profile
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)
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)
Information Technology
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)
Information Technology
6,561 C ���
Outperform (32)19.0% 9.9% 60.5% 59.4% 0.40 -16.7%
ORCL ORACLE CORPORATION (05/31)
Information Technology
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)
Consumer Discretionary
207 C �����
Outperform (22)-3.9% 7.6% -35.7% 41.1% 0.89 5.9%
TWX TIME WARNER INC NEW (12/31)
Consumer Discretionary
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)
Telecommunication Services
8,549 B ���
Outperform (30)11.2% 5.8% 3.8% 2.5% 0.41 -30.5%
Page 9 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
EQUITY PROFILE
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).
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.
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.
Equity Profile
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)
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% $0.45 -13.5%
LNT ALLIANT ENERGY CORP (12/31)
Utilities
9,986 D ���
Outperform (5)10.2% 6.4% 9.8% 7.7% (0.39) -139.4%
ACAS AMERICAN CAPITAL LTD (12/31)
Financials
4,665 NC ���
Hold (9)-24.5% -2.6% 0.0% 12.7% 0.30 111.4%
ANH ANWORTH MTG ASSET CORPREIT (12/31)
Financials
3,500 NC --Buy (7)
-4.1% -2.6% 28.6% 12.7% 0.27 325.0%
AOL AOL INC (12/31)
Information Technology
23 NA --Hold (10)
-- 9.9% -- 59.4% 0.70 --
ARTW ARTS-WAY MFG CO INC (11/30)
Industrials
1,696 NC -- NA -15.0% 4.9% 19.1% 18.4% 0.02 -84.6%
BGS B & G FOODS INC (12/31)
Consumer Staples
9,180 C --Outperform (5)
14.1% 4.2% 86.2% 11.7% 0.11 37.5%
BEZ BALDOR ELECTRIC COMPANY(12/31)
Industrials
7,023 C ��
Outperform (9)3.4% 4.9% 62.9% 18.4% 0.27 -50.9%
CSE CAPITALSOURCE INC REIT (12/31)
Financials
3,970 B* ���
Hold (10)-8.3% -2.6% -12.9% 12.7% (0.87) -3,000.0%
CMO CAPSTEAD MORTGAGE CPNEWREIT (12/31)
Financials
12,285 NC --Outperform (7)
1.9% -2.6% 50.2% 12.7% 0.56 7.7%
CJHBQ CHAMPION ENTERPRISES (12/31)
Consumer Discretionary
4 NC -- NA -90.5% 7.6% -92.2% 41.1% (0.17) -525.0%
Page 10 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
EQUITY PROFILE
Please refer to the back of this report for important information. Important SER rating details and disclosures are available at the back of this report.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: One or more of your individual equities is rated D or F. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
Performance details shown on this page are for the inidividual equities held in your portfolio and do not reflect your personal performance over time held.
* A significant event has been announced. Please check current news.
Equity Profile
Ratings Performance Earnings
Previous QTR Return Past 12 Months12/31/09
Value ($)
SER
as of
01/01/10
S&P
Opinion
Reuters Analyst
Consensus
(# of analysts) Company Sector Company Sector
Previous
Quarter
Earnings ($)
Quarter
Growth
vs 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)
Information Technology
1,529 A ����
Outperform (5)0.5% 9.9% 27.1% 59.4% 0.28 -42.9%
EMKR EMCORE CORP (09/30)
Information Technology
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)
Telecommunication Services
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)
Consumer Discretionary
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%
Page 11 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
EQUITY PROFILE
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).
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.
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.
Equity Profile
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 2008Small Cap Equities (Fiscal Year)
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)
Telecommunication Services
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)
Information Technology
186 C ����
Outperform (14)9.5% 9.9% 82.7% 59.4% 0.08 300.0%
MTLQQ MOTORS LIQUIDATION CO (12/31)
Consumer Discretionary
39 NC --Sell (2)
-33.2% 7.6% -85.3% 41.1% (9.78) -70.4%
NCR N C R CORP NEW (12/31)
Information Technology
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)
Information Technology
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%
Page 12 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
EQUITY PROFILE
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).
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.
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.
Equity Profile
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 2008Small Cap Equities (Fiscal Year)
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)
Information Technology
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)
Information Technology
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)
Information Technology
754 B ���
Hold (9)14.2% 9.9% 111.9% 59.4% 0.36 -5.3%
Page 13 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
EQUITY PROFILE
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).
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.
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.
Equity Profile
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 2008Small Cap Equities (Fiscal Year)
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)
Consumer Discretionary
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)
Information Technology
$378 NC ��
Outperform (12)-26.1% 9.9% 54.4% 59.4% ($0.11) -450.0%
ANPI ANGIOTECH PHARM INC F (12/31)
Health Care
84 NC --Underperform (3)
-28.3% 8.3% 376.9% 18.3% (0.90) -221.4%
BP BP PLC ADR FSPONSORED ADR 1ADR REP 6 ORD (12/31)
Energy
31,304 NC ����
Outperform (14)10.5% 5.1% 32.9% 13.9% 1.69 -33.7%
DSX DIANA SHIPPING INC F (12/31)
Industrials
14,480 NC --Outperform (18)
11.4% 4.9% 13.5% 18.4% 0.73 49.0%
DRYS DRYSHIPS INC F (12/31)
Industrials
5,820 NC --Hold (15)
-12.2% 4.9% -45.4% 18.4% (18.42) -443.0%
FRO FRONTLINE LTD F (12/31)
Energy
27,320 NC ��
Underperform (15)17.4% 5.1% -3.7% 13.9% (0.07) -105.0%
GMR GEN MARITIME CORP NEW F(12/31)
Energy
6,990 D ���
Hold (15)-8.2% 5.1% -26.7% 13.9% 0.27 -54.2%
HBC HSBC HLDGS PLC ADR NEWFSPONSORED ADR 1 ADR REPS 5ORD (12/31)
Financials
5,309 NC ���
Buy (2)0.2% -2.6% 39.7% 12.7% 0.52 -68.1%
Page 14 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
EQUITY PROFILE
Please refer to the back of this report for important information. Important SER rating details and disclosures are available at the back of this report.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: One or more of your individual equities is rated D or F. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
Performance details shown on this page are for the inidividual equities held in your portfolio and do not reflect your personal performance over time held.
* A significant event has been announced. Please check current news.
Equity Profile
Ratings Performance Earnings
Previous QTR Return Past 12 Months12/31/09
Value ($)
SER
as of
01/01/10
S&P
Opinion
Reuters Analyst
Consensus
(# of analysts) Company Sector Company Sector
Previous
Quarter
Earnings ($)
Quarter
Growth
vs 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% ($0.26) -44.4%
PAL NO AMERN PALLADIUM LTD F(12/31)
Materials
3,500 NC --Hold (3)
25.4% 6.9% 91.3% 46.4% (1.31) -627.8%
OCNF OCEANFREIGHT INC F (12/31)
Industrials
1,850 NC --Hold (1)
-31.0% 4.9% -68.9% 18.4% (0.15) -124.6%
RDSB ROYAL DUTCH SHELL BADRFSPONSORED ADR 1 ADRREPS 2 CL B ORD (12/31)
Energy
2,500 NC -- NA 5.7% 5.1% 20.5% 13.9% 1.66 25.8%
SLB SCHLUMBERGER LTD F (12/31)
Energy
26,036 C ��
Outperform (30)9.6% 5.1% 56.2% 13.9% 0.65 -48.0%
RIG TRANSOCEAN INC NEW F (12/31)
Energy
2,153 B �����
Outperform (38)-3.2% 5.1% 75.2% 13.9% 2.19 -36.5%
VALE VALE SA ADR FSPONSORED ADR1 ADR REP 1 ORD (12/31)
Materials
17,418 NC ���
Outperform (25)26.8% 6.9% 145.8% 46.4% 0.31 -67.0%
Benchmark: MSCI EAFE Index 2.2% 31.8%
Equities Not Classified
ADVANCED CELL TECHNOLOGYALCHEMY CREATIVE INCC I T GROUP INC NEW
ENTECH SOLAR INCHYPOWER FUEL INC NEWIDEARC INC
NEW CENTURY FINL CP N^XXBANKRUPT EFF 08/01/08PROTOKINETIX INCU S SHIPPING PARTNERSXXXBANKRUPT EFF 11/13/09
Page 15 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
MUTUAL FUND PROFILE
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: One or more of your mutual funds has a Morningstar rating of 1 or 2 stars, and is not on the Mutual Fund Select List®. C Denotes a change in fund management during the 3-months ending December 31, 2009.
Multi-Asset Class Securities are proportionally distributed into the asset class using Morningstar data.
Mutual Fund Profile
Performance details shown on this page are for the inidividual funds held in your portfolio and do not reflect your personal performance over time held.
Morningstar Ratings Average Annualized Return
12/31/09Value ($) 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% $11,768
CMBFX COLUMBIA OR INTERM MUNI BD CL Z (07/1984) 156,139 ����� 0.50% -0.6% 9.2% 3.8% 5.2% 6.9% 12,027
VWITX VANGUARD INTER TERM TAX EXEMPT FD INVESTOR SHS (09/1977) 37,551 ���� 0.20% -0.9% 10.2% 4.0% 5.0% 5.8% 12,155
Benchmark: Barclays Capital Municipal Bond Index -1.0% 12.9% 4.3% 5.8%
Page 16 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
MUTUAL FUND PROFILE
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: One or more of your mutual funds has a Morningstar rating of 1 or 2 stars, and is not on the Mutual Fund Select List®. C Denotes a change in fund management during the 3-months ending December 31, 2009.
Multi-Asset Class Securities are proportionally distributed into the asset class using Morningstar data.
Performance details shown on this page are for the inidividual funds held in your portfolio and do not reflect your personal performance over time held.
Mutual Fund Profile
Morningstar Ratings Average Annualized Return
12/31/09Value ($) 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.
Page 17 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ETF PROFILE
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
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
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.
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%
Page 18 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ETF PROFILE
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Multi-Asset Class Securities are proportionally distributed into the asset class using Morningstar data.
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.
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%
Page 19 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
FIXED INCOME SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
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
Page 20 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
FIXED INCOME PROFILE
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
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
Page 21 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
FIXED INCOME PROFILE
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
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
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.
Ratings Performance Earnings
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
Page 22 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
FIXED INCOME PROFILE
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
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.
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.
Fixed Income Profile
Ratings Performance Earnings
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
CIT GROUP INC 7%14NOTES DUE 05/01/2014 -- -- $2,678 $2,487 7.00% 7.54% 05/01/14 -- $47 02/10/10
CIT GROUP INC 7%15NOTES DUE 05/01/15 -- -- $2,678 $2,404 7.00% 7.80% 05/01/15 -- $47 02/10/10
CIT GROUP INC 7%16NOTES DUE 05/01/16 -- -- $4,464 $3,939 7.00% 7.93% 05/01/16 -- $78 02/10/10
CIT GROUP INC 7%17NOTES DUE 05/01/17 -- -- $6,249 $5,437 7.00% 8.05% 05/01/17 -- $219 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
Page 23 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
FIXED INCOME PROFILE
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
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.
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.
Fixed Income Profile
Ratings Performance Earnings
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%
Page 24 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
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.
‡ Portfolio analysis excludes short positions, margin balances, options, warrants, rights and futures.
* A significant event has been announced. Please check current news.
Account SummaryAccount 0000-0001
Current Asset Allocation
Large Cap Equity 30.7%
Small Cap Equity 17.1%
International Equity 4.7%
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 $6,743.41 Large Cap
ALCATEL LUCENT ADR FSPONSORED ADR 1 ADR REP 1ORD
ALU NC 89 3.32 295.48 International
ALLEGHENY ENERGY INC AYE D 409 23.48 9,595.12 Small Cap
BP PLC ADR FSPONSORED ADR 1 ADR REP 6 ORD BP NC 540 57.97 31,303.80 International
CHAMPION ENTERPRISES CJHBQ NC 80 0.04 3.51 Small Cap
CHEVRON CORPORATION CVX C 569 76.99 43,833.43 Large Cap
CITIGROUP INC C NR 324 3.31 1,071.38 Large Cap
CONSOLIDATED EDISON INC ED C 198 45.43 8,998.91 Large Cap
DUKE ENERGY CORP NEW DUK C 533 17.21 9,170.59 Large Cap
EXELON CORPORATION EXC C 47 48.87 2,274.49 Large Cap
EXXON MOBIL CORPORATION XOM C 167 68.19 11,387.73 Large Cap
F N B CORPORATION PA FNB C* 8,500 6.79 57,714.39 Small Cap
FAIRPOINT COMMUN INC FRCMQ NC 303 0.03 10.01 Small Cap
FIFTH THIRD BANCORP FITB B* 4,061 9.75 39,595.26 Small Cap
GENERAL ELECTRIC COMPANY GE B* 3,302 15.13 49,965.10 Large Cap
HSBC HLDGS PLC ADR NEW FSPONSORED ADR 1 ADRREPS 5 ORD
HBC NC 93 57.09 5,309.37 International
IDEARC INC IDARQ NC 11 0.00 0.04 Other
Page 25 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
C Denotes a change in fund management during the 3-months ending December 31, 2009.
0000-0001 Dana Jones (Continued)
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
* A significant event has been announced. Please check current news.
Equities
Schwab Equity Ratingas of 01/01/10
KROGER COMPANY KR C 309 $20.53 $6,352.42 Large Cap
LSI CORPORATION LSI C 25 6.01 150.25 Small Cap
MARATHON OIL CORP MRO B 258 31.22 8,058.10 Large Cap
MEDCOHEALTH SOLUTIONS MHS B 78 63.91 4,984.98 Large Cap
MERCK & CO INC NEW MRK NR 752 36.54 27,464.03 Large Cap
MICROSOFT CORP MSFT C 215 30.48 6,561.08 Large Cap
N C R CORP NEW NCR C 24 11.13 267.12 Small Cap
NISOURCE INC HOLDING CO NI A 253 15.38 3,884.29 Small Cap
ONEOK PARTNERS LP OKS NC 176 62.30 10,958.97 Small Cap
PFIZER INCORPORATED PFE B 127 18.19 2,313.34 Large Cap
REGIONS FINANCIAL CP NEW RF NR 254 5.29 1,341.52 Small Cap
ROYAL DUTCH SHELL B ADRFSPONSORED ADR 1 ADRREPS 2 CL B ORD
RDSB NC 43 58.13 2,499.59 International
SCANA CORPORATION NEW SCG C 287 37.68 10,795.15 Small Cap
SPECTRA ENERGY CORP SE B 241 20.51 4,942.91 Large Cap
TERADATA CORP TDC B 24 31.43 754.32 Small Cap
TRAVELERS COMPANIES INC TRV B 62 49.86 3,113.82 Large Cap
U G I CORPORATION NEW UGI A 319 24.19 7,705.81 Small Cap
VERIZON COMMUNICATIONS VZ B 258 33.13 8,548.99 Large Cap
WAL-MART STORES INC WMT C 220 53.45 11,744.25 Large Cap
Page 26 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
C Denotes a change in fund management during the 3-months ending December 31, 2009.
0000-0001 Dana Jones (Continued)
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
* A significant event has been announced. Please check current news.
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 $835,909.38
Page 27 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
C Denotes a change in fund management during the 3-months ending December 31, 2009.
‡ Portfolio analysis excludes short positions, margin balances, options, warrants, rights and futures.
* A significant event has been announced. Please check current news.
Account SummaryAccount 0000-0002
Current Asset Allocation
Large Cap Equity 9.2%
Small Cap Equity 27.4%
International Equity 16.2%
Fixed Income 30.4%
Cash Investments 2.2%
Other 14.7%
Total‡ 100%
0000-0002 Dana Jones
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
Cash and Cash Investments
CASH -- -- -- $11,960.58 Cash
SCHWAB CASH RESERVES SWEEP SHARES SWSXX -- -- 651.55 Cash Invest
Equities
Schwab Equity Ratingas of 01/01/10
ADVANCED CELL TECHNOLOGY ACTC NC 10,000 $0.09 $920.00 Other
ALCHEMY CREATIVE INC ALMY NC 2,000 0.00 5.80 Other
AMAZON COM INC AMZN B 125 134.52 16,815.00 Large Cap
AMERICAN CAPITAL LTD ACAS NC 1,912 2.44 4,665.28 Small Cap
ANWORTH MTG ASSET CORP REIT ANH NC 500 7.00 3,500.00 Small Cap
APPLE INC AAPL C 75 210.73 15,804.90 Large Cap
ARTS-WAY MFG CO INC ARTW NC 400 4.24 1,696.00 Small Cap
B & G FOODS INC BGS C 1,000 9.18 9,180.00 Small Cap
BALDOR ELECTRIC COMPANY BEZ C 250 28.09 7,022.50 Small Cap
CAPSTEAD MORTGAGE CP NEWREIT CMO NC 900 13.65 12,285.00 Small Cap
CLEAN ENERGY FUELS CORP CLNE D 1,000 15.41 15,410.00 Small Cap
COMPOSITE TECH CORP CPTC NC 5,000 0.27 1,325.00 Small Cap
DEERFIELD CAPITAL CP NEWREIT DFR NC 200 4.60 920.00 Small Cap
DHT MARITIME INC F DHT C 1,000 3.68 3,680.00 Small Cap
DIANA SHIPPING INC F DSX NC 1,000 14.48 14,480.00 International
DRYSHIPS INC F DRYS NC 1,000 5.82 5,820.00 International
EMCORE CORP EMKR C 2,300 1.07 2,461.00 Small Cap
ENTECH SOLAR INC ENSL NC 1,000 0.10 100.00 Other
Page 28 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
C Denotes a change in fund management during the 3-months ending December 31, 2009.
0000-0002 Dana Jones (Continued)
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
* A significant event has been announced. Please check current news.
Equities
Schwab Equity Ratingas of 01/01/10
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
Page 29 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
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.
0000-0002 Dana Jones (Continued)
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
* A significant event has been announced. Please check current news.
Equities
Schwab Equity Ratingas of 01/01/10
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
Fixed Income S&P Par Value
AEGON NV 7.25% PFD FCAP SECS DUE PERP MTYSUBJTO XTRO REDEMPTION
AEF -- 400 19.79% $7,916.00 Fixed Income
BANK OF AMER CAP TR 6%34TR PFD SEC DUE11/03/34SUBJ TO XTRO REDEMPTION
BAC+Y -- 200 19.50 3,900.00 Fixed Income
CALIFORNIA ST 5%29GO DUE 02/01/29 OID -- AAA 10,000 109.03 10,903.00 Fixed Income
CALIFORNIA ST 5.25%28GO DUE 02/01/28 -- A 10,000 98.73 9,873.10 Fixed Income
CALIFORNIA ST PUB 5.5%18REV DUE 12/01/18WKSBRD OID SUBJ XTRO
-- A- 10,000 100.13 10,013.20 Fixed Income
CHULA VISTA CALIF 5.6%21REV DUE 09/01/21CMNTYFACS DIST SPL OID
-- N/R 5,000 89.45 4,472.55 Fixed Income
CITIGROUP VIII 6.95%31CAP SECS DUE 09/15/31SUBJTO XTRO REDEMPTION
C+Z -- 500 20.75 10,375.00 Fixed Income
FOLSOM CALIF SP 6.125%22REV DUE 09/01/22TAX OID -- N/R 10,000 110.42 11,042.10 Fixed Income
FORD CAP B V 9.50%10FGTD DEB DUE 06/01/10 -- CCC 10,000 101.88 10,187.50 Fixed Income
GENL MOTORS ACC 9.0%15SMARTNOTES DUE07/15/15
-- CCC 5,000 85.75 4,287.50 Fixed Income
ING GROUP N V 7.20% PFDFDEBT SECS DUE PERPMATSUBJ TO XTRO REDEMPTION
INZ -- 200 19.28 3,856.00 Fixed Income
J P MORGAN CHASE 6.20%34TR PFD SECS DUE10/15/34SUBJ TO XTRO REDEMPTION
JPM+Y -- 200 24.05 4,810.00 Fixed Income
Page 30 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
C Denotes a change in fund management during the 3-months ending December 31, 2009.
0000-0002 Dana Jones (Continued)
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
* A significant event has been announced. Please check current news.
Fixed Income S&P Par Value
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
Mutual Funds Morningstar Overall
ALLIED CAP CORP NEW ALD -- 1,515 $3.61 $5,469.15 Other
ARES CAPITAL CORP ARCC -- 1,000 12.45 12,450.00 Other
BLACKROCK GLOBAL OPPTYS BOE -- 396 18.89 7,480.44 Multi-Asset
CROSS TIMBERS ROYALTY TRROYALTY TRUST CRT -- 1,000 33.72 33,720.00 Other
FRANKLIN INCOME FUND CL A FKINX ��� 5,151 2.07 10,663.30 Fixed Income
GABELLI UTILITIES A GAUBA ��� 1,095 6.50 7,115.41 Small Cap
HERCULES TECH GROWTH HTGC -- 1,000 10.39 10,390.00 Small Cap
Page 31 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
C Denotes a change in fund management during the 3-months ending December 31, 2009.
0000-0002 Dana Jones (Continued)
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
* A significant event has been announced. Please check current news.
Mutual Funds Morningstar Overall
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
Total Account Value $574,911.42
Page 32 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
C Denotes a change in fund management during the 3-months ending December 31, 2009.
‡ Portfolio analysis excludes short positions, margin balances, options, warrants, rights and futures.
* A significant event has been announced. Please check current news.
Account SummaryAccount 0000-0003
Current Asset Allocation
Large Cap Equity 3.9%
Small Cap Equity 46.7%
International Equity 0.0%
Fixed Income 11.1%
Cash Investments 36.9%
Other 1.4%
Total‡ 100%
0000-0003 Dana Jones
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
Cash and Cash Investments
CASH -- -- -- $31.01 Cash
SCHWAB CASH RESERVES SWEEP SHARES SWSXX -- -- 114,246.06 Cash Invest
Equities
Schwab Equity Ratingas of 01/01/10
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
Fixed Income S&P Par Value
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
CIT GROUP INC 7%15NOTES DUE 05/01/15 -- -- 2,678 89.75 2,403.51 Fixed Income
CIT GROUP INC 7%16NOTES DUE 05/01/16 -- -- 4,464 88.25 3,939.48 Fixed Income
CIT GROUP INC 7%17NOTES DUE 05/01/17 -- -- 6,249 87.00 5,436.63 Fixed Income
FORD MOTOR CRED 5.75%14NOTES DUE 02/20/14 -- B- 20,000 91.94 18,387.24 Fixed Income
Total Account Value $309,701.81
Page 33 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
C Denotes a change in fund management during the 3-months ending December 31, 2009.
‡ Portfolio analysis excludes short positions, margin balances, options, warrants, rights and futures.
* A significant event has been announced. Please check current news.
Account SummaryAccount 0000-0004
Current Asset Allocation
Large Cap Equity 0.0%
Small Cap Equity 0.0%
International Equity 0.0%
Fixed Income 52.9%
Cash Investments 47.1%
Other 0.0%
Total‡ 100%
0000-0004 Dana Jones
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
Cash and Cash Investments
CASH -- -- -- $121.40 Cash
SCHWAB CASH RESERVES SWEEP SHARES SWSXX -- -- 79,351.05 Cash Invest
Fixed Income S&P Par Value
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
Mutual Funds Morningstar Overall
VANGUARD GNMA FUND INVESTOR SHARE VFIIX ����� 4,727 $10.64 $50,292.68 Fixed Income
Total Account Value $168,765.94
Page 34 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
C Denotes a change in fund management during the 3-months ending December 31, 2009.
‡ Portfolio analysis excludes short positions, margin balances, options, warrants, rights and futures.
* A significant event has been announced. Please check current news.
Account SummaryAccount 0000-0005
Current Asset Allocation
Large Cap Equity 20.2%
Small Cap Equity 2.8%
International Equity <0.1%
Fixed Income 69.3%
Cash Investments 7.6%
Other 0.0%
Total‡ 100%
0000-0005 Dana Jones
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
Cash and Cash Investments
CASH -- -- -- $518.05 Cash
SCHWAB VALUE ADVANTAGE MONEY FUND SWVXX -- -- 6,055.38 Cash Invest
Equities
Schwab Equity Ratingas of 01/01/10
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
Fixed Income S&P Par Value
KNOX CNTY TENN HEAL 0%10REV DUE 01/01/10EDL &OID SUBJ XTRO MBIA
-- AA 60,000 100.00% $60,000.00 Fixed Income
Total Account Value $86,583.02
Page 35 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
C Denotes a change in fund management during the 3-months ending December 31, 2009.
‡ Portfolio analysis excludes short positions, margin balances, options, warrants, rights and futures.
* A significant event has been announced. Please check current news.
Account SummaryAccount 0000-0006
Current Asset Allocation
Large Cap Equity 17.6%
Small Cap Equity 6.5%
International Equity 2.0%
Fixed Income 25.8%
Cash Investments 48.0%
Other 0.0%
Total‡ 100%
0000-0006 Dana Jones
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
Cash and Cash Investments
SCHWAB CASH RESERVES SWEEP SHARES SWSXX -- -- $157,514.64 Cash Invest
SCHWAB VALUE ADVANTAGE MONEY FUND SWVXX -- -- 511,147.58 Cash Invest
Equities
Schwab Equity Ratingas of 01/01/10
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
Fixed Income S&P Par Value
CALIFORNIA ST 5%22GO DUE 11/01/22UNREFUNDEDMBIA
-- N/R 5,000 100.14% $5,007.20 Fixed Income
CALIFORNIA ST 5%23GO UTX DUE02/01/23UNREFUNDED OID FGIC
-- A 20,000 100.02 20,003.60 Fixed Income
Page 36 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
C Denotes a change in fund management during the 3-months ending December 31, 2009.
0000-0006 Dana Jones (Continued)
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
* A significant event has been announced. Please check current news.
Fixed Income S&P Par Value
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
Mutual Funds Morningstar Overall
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 $1,392,868.02
Page 37 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
C Denotes a change in fund management during the 3-months ending December 31, 2009.
‡ Portfolio analysis excludes short positions, margin balances, options, warrants, rights and futures.
* A significant event has been announced. Please check current news.
Account SummaryAccount 0000-0007
Current Asset Allocation
Large Cap Equity 10.8%
Small Cap Equity 9.4%
International Equity 7.1%
Fixed Income 54.5%
Cash Investments 3.3%
Other 14.9%
Total‡ 100%
0000-0007 Dana Jones
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
Cash and Cash Investments
CASH -- -- -- $31,150.29 Cash
Equities
Schwab Equity Ratingas of 01/01/10
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
Fixed Income S&P Par Value
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 $21,351.00 Other
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Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
Legend: Within the Account Summary section of your QPP, the alert symbol will call your attention to one of three things: for equities a D or F rated equity, for mutual funds a 1 or 2 stars Morningstar rated fund, and for fixed incomea bond maturing in the next 90 days. O (Option) As of the quarter end, there was an open option position for this security. S (Short) As of the quarter end, there was a short position in this security.
C Denotes a change in fund management during the 3-months ending December 31, 2009.
0000-0007 Dana Jones (Continued)
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
* A significant event has been announced. Please check current news.
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
Page 39 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
ACCOUNT SUMMARY
Please refer to the back of this report for important information.©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
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.
0000-0007 Dana Jones (Continued)
Security Symbol Rating Quantity Price ($)
12/31/09
Value ($) Asset Class
* A significant event has been announced. Please check current news.
Mutual Funds Morningstar Overall
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
Total Account Value $942,850.46
Page 40 of 42
Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
IMPORTANT INFORMATION
©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
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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Q4 2009QUARTERLY PORTFOLIO PROFILESpecially Prepared for Dana Jones from data reported on December 31, 2009
IMPORTANT INFORMATION
©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
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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