Message-ID: <26448310.1075859213793.JavaMail.evans@thyme> Date: Wed, 19 Dec 2001 11:43:38 -0800 (PST) From: electronic.delivery@schwab.com To: jeff.dasovich@enron.com Subject: 529 Plans- Tips and Tolls from American Century Mime-Version: 1.0 Content-Type: text/plain; charset=us-ascii Content-Transfer-Encoding: 7bit X-From: Charles Schwab & Co., Inc. X-To: Dasovich, Jeff X-cc: X-bcc: X-Folder: \Jeff_Dasovich_Jan2002\Dasovich, Jeff\Inbox X-Origin: Dasovich-J X-FileName: jdasovic (Non-Privileged).pst Charles Schwab & Co., Inc. Email Alert Mutual Fund Viewpoint(TM) ================================================================ Dear American Century Shareholder, As a valued American Century shareholder, Charles Schwab invites you to sample below the latest installment of Mutual Fund Viewpoint(TM), a new Schwab subscription email product that delivers timely information directly to you from participating fund companies. Mutual Fund Viewpoint presents such valuable content as portfolio manager commentary, sector and market commentary, and newsletters. In its ongoing efforts to better connect its Mutual Fund investors to the funds and fund companies in which they invest, Schwab invites you to subscribe now: http://q1.schwab.com/s/r?l=3774&m=100773c20ede900019537a Schwab is pleased to provide the following information from American Century. ---------------------------------------------------------------- Saving for college is now easier than ever through the 529 College Savings Plan, brought to you by American Century and Schwab. With the 529 College Savings Plan your investments accumulate tax-free, withdrawals are tax-free for qualified expenses and the account owner retains complete control over the plan. Now is the time to start saving for a child, grandchild or even yourself. How much will college cost? This Interactive Calculator will help you to quickly estimate the cost of a public or private education and how much you should invest in a lump sum, annual or monthly investment to reach your goal. http://q1.schwab.com/s/r?l=3777&m=100773c20ede900019537a How do I know which college savings plan is right for me? Our College Investing Options Comparison Chart will help you compare the 529 College Savings Plan to other savings programs. http://q1.schwab.com/s/r?l=3769&m=100773c20ede900019537a Why should I invest in the 529 College Savings Plan? The benefits of this college savings option allows tax-deferred investing, experienced and professional investment management through three investment tracks plus tax and estate planning advantages: o You don't need a large investment to get started and there are no age or income requirements. o You have a choice of investment options depending on your goals. o Account owner retains control over the account distributions at all times. o Earnings on qualified withdrawals will be federal income tax free beginning in 2002 until 2010. o Student can attend any accredited post-secondary institution in the U.S. o You pay no federal gift tax on contributions up to $50,000 in a five-year period per student ($100,000 per couple). To qualify, you must file a gift tax return and no additional gifts can be made to that student during the five-year period. http://q1.schwab.com/s/r?l=3767&m=100773c20ede900019537a ---------------------------------------------------------------- The 529 College Savings Plan is available through Charles Schwab & Co., Inc., distributed by American Century Brokerage, Inc. and managed by American Century Investment Management, Inc. under the name Learning Quest. The Plan was created under the provisions of Section 529 of the Internal Revenue Code by the Kansas State Legislature and is administered by Kansas State Treasurer, Tim Shallenburger. Notice: Accounts established under Learning Quest are domiciled at American Century and not at Schwab. Accounts established under Learning Quest and their earnings are neither insured nor guaranteed by the State of Kansas, the Kansas State Treasurer, American Century or Charles Schwab & Co., Inc. For more complete information including charges and expenses, please call Schwab's Mutual Fund OneSource(R) service for a prospectus. Please read it carefully before investing or sending money. Schwab is pleased to forward you this information on behalf of the fund company. ---------------------------------------------------------------- If you would prefer to receive only account service emails, please reply to this email indicating your preference. Please note: doing so will not remove you from any SchwabAlerts(R) or email newsletters or information to which you have actively subscribed. For your protection, we are unable to accept instructions to change your email address sent in reply to this message. To update your address, please log in to your account using the link below. From there you will be able to update your email information securely. http://q1.schwab.com/s/r?l=3773&m=100773c20ede900019537a Notice: All email sent to or from the Charles Schwab corporate email system may be retained, monitored, and/or reviewed by Schwab personnel. (c)2001 Charles Schwab & Co., Inc. All rights reserved. Member SIPC/NYSE. (1201-11605) Distribution by Quris, Inc.