IRA Beneficiary Designation Form

Use this form to designate the beneficiary of your Schwab IRA. This designation will revoke and replace all prior beneficiary designations for this account. Do not use this form to designate a beneficiary for a custodial IRA or inherited IRA for a minor. Share % must add up to 100% per beneficiary type. Complete all sections of this form and be sure to sign and date in Section 3 on page 2. www.schwab.com 1-800-435-4000 (inside the U.S.) +1-415-667-8400 (outside the U.S.) 1-888-686-6916 (multilingual services) Page 1 of 2

1. Account Information Please supply the following information.

Name (First) Your Schwab IRA Account Number (Middle) (Last) Your Social Security/Tax ID Number

2. Beneficiary Designation
I hereby designate the individual(s) or entity(ies) below as my beneficiary(ies):
Type of Beneficiary Primary Contingent Share %* Relationship Spouse Non-Spouse Individual Trust Estate Charity or Other Entity Date of Birth/Trust (mm/dd/yyyy) City, State, Zip Code Country of Legal Residence Other: ___________________________________________ USA Other: ____________________________________________ Social Security/Tax ID Number Non-Spouse Individual Trust Estate Charity or Other Entity Date of Birth/Trust (mm/dd/yyyy) City, State, Zip Code Country of Legal Residence Other: ___________________________________________ USA Other: ____________________________________________ Social Security/Tax ID Number Non-Spouse Individual Trust Estate Charity or Other Entity Date of Birth/Trust (mm/dd/yyyy) City, State, Zip Code Country of Legal Residence Other: ___________________________________________ USA Other: ____________________________________________ Social Security/Tax ID Number Non-Spouse Individual Trust Estate Charity or Other Entity Date of Birth/Trust (mm/dd/yyyy) City, State, Zip Code Country of Legal Residence Other: ___________________________________________ USA Other: ____________________________________________ Social Security/Tax ID Number

Name (If individual, include First, Middle, Last) Home/Legal Street Address (no P.O. boxes) Country(ies) of Citizenship (Must list all.) USA Other: _________________________________________ Share %*

Type of Beneficiary Primary Contingent

Relationship Spouse

Name (If individual, include First, Middle, Last) Home/Legal Street Address (no P.O. boxes) Country(ies) of Citizenship (Must list all.) USA Other: _________________________________________ Share %*

Type of Beneficiary Primary Contingent

Relationship Spouse

Name (If individual, include First, Middle, Last) Home/Legal Street Address (no P.O. boxes) Country(ies) of Citizenship (Must list all.) USA Other: _________________________________________ Share %*

Type of Beneficiary Primary Contingent

Relationship Spouse

Name (If individual, include First, Middle, Last) Home/Legal Street Address (no P.O. boxes) Country(ies) of Citizenship (Must list all.) USA Other: _________________________________________

*Must add up to 100% per beneficiary type. If you wish to designate more than four primary or contingent beneficiaries, attach a separate sheet of paper and include all the information as requested.

3. Account Holder Authorization

In the event of my death, pay the full value of my Account (in equal proportions in the case of multiple beneficiaries unless I indicate otherwise) to the Primary Beneficiary(ies) as designated below. I understand that if a Primary Beneficiary predeceases me, the remaining portion will be divided proportionately to any surviving Primary Beneficiaries in the manner provided in the Charles Schwab & Co., Inc. Individual Retirement Plan. If no Primary Beneficiary survives me, pay the full value of my Account (in equal proportions in the case of multiple beneficiaries unless I indicate otherwise) to the Contingent Beneficiary(ies) as designated below. I understand that if a Contingent Beneficiary predeceases me, the remaining portion will be divided proportionately to any surviving Contingent Beneficiaries in the manner provided in the Charles Schwab & Co., Inc. Individual Retirement Plan. If no designated beneficiary survives me, or if I do not designate a beneficiary, pay the full value of my Account to my estate.

2008 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. FTA 06277 (1208-4691) APP10149-13 (12/08)

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3. Account Holder Authorization (Continued)

I understand that I may change or revoke this designation at any time by completing, signing and dating a new IRA Beneficiary Designation Form and returning it to Schwab. It will become effective when Schwab receives it. If I live in a state with community property statutes and do not designate my spouse as the sole primary beneficiary, I represent and warrant that my spouse has consented to such designation. I understand that if Schwab determines that my beneficiary designation is not clear with respect to the amount of the distribution, the date on which the distribution shall be made, or the identity of the party or parties who will receive the distribution, Schwab will have the right, in its sole discretion, to consult counsel and to institute legal proceedings to determine the proper distribution of the account, all at the expense of the account, before distributing or transferring the account.

Signature and Date Required

X Holder Signature Account

Print Name

Date

FOR CHARLES SCHWAB uSE ONLY: Branch Office and Account Number Approved By

Customer ID Number Print Name of Approver

Source Code Date

2008 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. FTA 06277 (1208-4691) APP10149-13 (12/08)