Telephone access is quick, easy and dependable. Twenty-four hours-a-day, seven days-a-week, callers have the option of talking to a customer service representative or having their orders or requests for quotes and information handled automatically via touch-tone or voice response. We call this full-service investing when you want it, how you want it. If volatile markets are causing stock prices to move quickly, Web customers can pick up the phone and place their orders the traditional way – and get advice on what kind of order to place. Customers who want advice on asset allocation or investment selection can also get help on the phone – or they may be directed to a branch or shown how to use the Web for additional help. Since all Schwab employees work on salary, not commission, there's no sales pressure – just ethical advice for today's enlightened investors.