Scwhab Account Overview

QUARTERLY PORTFOLIO PROFILE Q4 2009 PORTFOLIO OVERVIEW
Specially Prepared for Dana Jones from data reported on December 31, 2009 Page 1 of 42
Welcome To The Redesigned

Schwab Quarterly Portfolio
Profile™ Report.
While we have changed its look, it still
provides a quarter end snapshot of
general performance data for the
securities within your portfolio, and
Specially Prepared for: identifies areas where you may wish to
take action.
Dana Jones The QPP is designed to help you:
123 Main Street • Compare your portfolio’s asset
Anytown allocation with a target model
NY 12345 • Pinpoint sectors and individual
equities where you might be over or
under concentrated
• View Schwab Equity Ratings® for
the stocks in your portfolio
• Identify areas that may require
immediate action
If you would like help interpreting your
report or want to discuss your portfolio,
please call us at the number listed on
the next page.
©2010 Charles Schwab & Co., Inc. All Rights Reserved. Member SIPC (2009-8278).
QUARTERLY PORTFOLIO PROFILE Q4 2009 PORTFOLIO OVERVIEW
Table Of Contents
Questions? Contact us: Click on the title below and you will be
taken to the corresponding QPP page.
C. Schwab Financial Consultant Customer Service and Trading PORTFOLIO OVERVIEW 2
800-435-9050 800-435-9050
Alerts & Special Schwab Message 3
Asset Allocation 4
Sector Diversification 5
Your Portfolio includes the following Accounts as of 12/31/09 Equity Concentration 6
Schwab Equity Ratings® & 7
Account # Account Title Net Portfolio Value Morningstar Ratings
0000-0001 Dana Jones $835,909 PROFILE OVERVIEW 8
0000-0002 Dana Jones $574,911 Equity Profile 8
0000-0003 Dana Jones $309,702 Mutual Fund Profile 16
0000-0004 Dana Jones $168,766 Exchange-Traded Fund Profile 18
0000-0005 Dana Jones $86,583 Fixed Income Summary 20
0000-0006 Dana Jones $1,392,868 Fixed Income Profile 21
0000-0007 Dana Jones $942,850 ACCOUNT SUMMARY 25
Total Portfolio Value $4,311,589 IMPORTANT INFORMATION 41
Please refer to the back of this report for important information.

QUARTERLY PORTFOLIO PROFILE Q4 2009 PORTFOLIO SUMMARY
Looking for new ideas?
Portfolio Alerts www.schwab.com/schwabstocklists
Use the weekly Schwab Stock Lists® to

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. generate new stock ideas to rebalance
your portfolio. Based on Schwab Equity
Ratings®, these lists reflect our top
rated stocks for a particular sector,
size or style that might be right for your
portfolio.
Asset Allocation (3 alerts) Equities | View (1 alert)
Schwab Stock Lists® With Schwab's Mutual Fund OneSource
Large Cap Equity page 4
Your portfolio is underweight in Large Cap Equity Quality page 7 Select List®¹, you can quickly narrow
Equity. One or more of this portfolio’s equities is your search to a list of no-load,
rated D or F. View Schwab Stock Lists® for no-transaction-fee² funds that have
International Equity page 4 been handpicked by the experts at the
rebalancing ideas.
Your portfolio is underweight in International Schwab Center for Financial Research³.
Equity.
View the OneSource Select List®
Cash Investments† page 4
Your portfolio is overweight in Cash www.schwab.com/schwabportfolios
Investments†.
If you’re looking for a one-stop solution
to meet your asset allocation needs,
see how Schwab Portfolios can help you
create a well diversified portfolio.
¹Charles Schwab & Co., Inc., member SIPC,

receives remuneration from fund companies
participating in the Mutual Fund OneSource®
services.
²Schwab’s short-term redemption fee will be
charged on redemptions of funds bought through
Schwab’s Mutual Fund OneSource® service with
no transaction fees. For each of these trade orders
† 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 placed through a broker, a $25 service charge
equal to or less than 1 year, commercial paper, and treasury bills. Non-deposit investment products are held by Charles Schwab & Co., Inc., member SIPC, and its affiliates and are not FDIC insured, applies.
may lose value, and are not bank guaranteed. See your account statement, or representative for more details.
³The Schwab Center for Financial Research is a
Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses. division of Charles Schwab & Co. Inc.
You can request a prospectus by calling Schwab at 800-435-9050. Please read the prospectus carefully before investing.
Asset Allocation
Current vs Target Asset Allocation This page highlights the differences between
your portfolio’s current asset allocation and
Current Allocation Target Allocation the Schwab target asset allocation model
Moderate you have chosen. The target asset allocation
is a general guideline. If certain asset
Large Cap Equity 15.9% Large Cap Equity 35.0% classes in your portfolio differ from the
target allocation by more than 5%, you may
Small Cap Equity 14.5% Small Cap Equity 10.0%
want to consider rebalancing to bring your
International Equity 5.3% International Equity 15.0% portfolio more in line with the target
allocation.
Fixed Income 31.5% Fixed Income 35.0%
Cash Investments† 27.4% Cash Investments† 5.0% You may want to over or underweight certain
investment styles (growth or value) in your
Other 5.3% Other 0.0% portfolio at various times. For Schwab’s
latest viewpoint, see Schwab’s Market
Perspective.
Current Target Rebalancing Guidelines
Asset Class Value ($) (%) Value ($) (%) Value ($) (%)
Portfolio Alert
Large Cap Equity $686,730 15.9% $1,509,057 35.0% $822,327 19.1%
Large Cap Equity
Small Cap Equity 626,790 14.5% 431,159 10.0% (195,631) -4.5% Your portfolio is underweight in Large
International Equity 228,047 5.3% 646,739 15.0% 418,692 9.7% Cap Equity.
International Equity
Fixed Income 1,359,252 31.5% 1,509,057 35.0% 149,805 3.5%
Your portfolio is underweight in
Cash Investments† 1,181,701 27.4% 215,580 5.0% (966,121) -22.4% International Equity.
Other 229,070 5.3% 0 0.0% (229,070) -5.3% Cash Investments†
Your portfolio is overweight in Cash
Total $4,311,590‡ 100% 100% Investments†.
† 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 equal
to or less than 1 year, commercial paper, and treasury bills. Non-deposit investment products are held by Charles Schwab & Co., Inc., member SIPC, and its affiliates and are not FDIC insured, may lose
value, and are not bank guaranteed. See your account statement, or representative for more details.
‡ Portfolio analysis excludes short positions, margin balances, options, warrants, rights and futures.

Sector Diversification
Sector Diversification as a Percent of Total Portfolio This page helps you review your domestic
portfolio’s diversification across sectors.
Economic events will often affect certain
30% sectors more than others. If you spread your
26.2
investments across many different sectors,
your portfolio will be less impacted by a
25%
downturn in any individual sector.
19.9
19.2
The graph to the left shows the 10 sector
20%
components for the domestic stock and
15.8 mutual fund holdings in your portfolio and
15% compares it to the market overall,
11.9 represented by the Wilshire 5000 Index*.
10.7 10.2 10.7 11.0 10.5 10.6 The dark bars show your domestic portfolio’s
10%
8.0 concentration in each sector. The light bars
6.4 6.9 6.7 indicate the percentage of the market
5% 4.2 represented by each sector.
3.0 3.6
2.8
1.7 We recommend that your domestic
0% portfolio’s concentration in an individual
sector not vary from that of the market by
Consumer Consumer Information more than 20%.
Discretionary Staples Energy Financials Health Care Industrials Technology Materials Telecom Utilities
Your Domestic Portfolio‡ 3.0% 8.0% 10.7% 26.2% 6.4% 10.5% 19.9% 1.7% 6.9% 6.7%
Market (Wilshire 5000*) 10.7% 10.2% 11.0% 15.8% 11.9% 10.6% 19.2% 4.2% 2.8% 3.6%
Difference -7.7% -2.2% -0.3% 10.4% -5.5% -0.1% 0.7% -2.5% 4.1% 3.1%
*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.

Equity Concentration
Equity Concentration as a Percent of Total Portfolio This page shows your top five stock
positions and the percentage of your
portfolio they represent. According to studies
40% conducted by the Schwab Center for
Financial Research†, if your largest
Very High individual stock holding accounts for more
than 20% of your portfolio, this will most
30% likely increase the volatility of your portfolio
as a whole. You may want to take a second
look at these holdings to make sure you are
comfortable with the risk.
Moderately High 20%
10%
Relatively Low 4.1

1.6 1.6 1.4 1.4
0%
INTC PRWT IWA GE FARM

INTEL CORP PREMIERWEST BANCORP IOWA TELECOMMUNICATIONS GENERAL ELECTRIC COMPANY FARMER BROS CO COM
Schwab Equity Rating C* NC NR B* F

Value ($) $176,022 $68,641 $67,040 $62,069 $59,190
% of Total Portfolio ‡ 4.1% 1.6% 1.6% 1.4% 1.4%
* A significant event has been announced. Please check current news.

† The Schwab Center for Financial Research is a Division of Charles Schwab & Co. Inc.
Note: Your mutual funds may also hold individual stocks you own. If so, your effective concentration in these stocks will be even greater.

Equity Ratings
Schwab Equity Ratings® Schwab Equity Ratings®
This page gives you a snapshot of your

equity holdings and Schwab’s performance
Schwab Equity Rating Stocks Held with a Schwab Equity Rating SER Ratings outlook for them over the next 12 months.
as of 01/01/10 Number of Stocks 12/31/09 Value ($) (%) Schwab’s outlook is that “A” rated stocks,
A 1% on average, will strongly outperform and “F”
A 3 $13,119 1%
16% rated stocks, on average, will strongly
B 19 182,525 16% B underperform the equities market over the
C 41% next 12 months. If you hold “D” or “F” rated
C 26 473,146 41% stocks, you may wish to consider
D 5% reevaluating.
D 6 54,877 5%
F 2 63,330 5% F 5% Portfolio Alert

32% Equity Quality
Unrated 47 377,319 32% Unrated
One or more of this portfolio’s equities
Total 103 $1,164,316‡ 100% is rated D or F. View Schwab Stock
Lists® for rebalancing ideas.
Morningstar Ratings
Mutual Fund Ratings
Morningstar Rating Funds Held with a Morningstar Rating Morningstar Ratings Morningstar Ratings
as of 01/01/10 Number of Funds 12/31/09 Value ($) (%)
40% You can view the Morningstar ratings of each
2 $282,970 40% of your mutual fund positions from 5 stars
19% (highest) to 1 star (lowest). If you have 1 or
4 133,900 19% 2 star rated mutual funds that are not on our
9% Mutual Fund Select List, you may want to
6 63,714 9%
consider reevaluating your reasons for
0 0 0% 0%
holding these mutual funds.
0 0 0% 0%
Unrated 18 223,217 32% Unrated 32%
Total 30 $703,801 100%
Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses.
You can request a prospectus by calling Schwab at 800-435-9050. Please read the prospectus carefully before investing.
Please refer to the back of this report for important information. Important SER rating details and disclosures are available at the back of this report.
QUARTERLY PORTFOLIO PROFILE Q4 2009 EQUITY PROFILE
Equity Profile
Ratings Performance Earnings
SER Reuters Analyst Previous Quarter
12/31/09 as of S&P Consensus Previous QTR Return Past 12 Months Quarter Growth
Large Cap Equities (Fiscal Year) Value ($) 01/01/10 Opinion (# of analysts) Company Sector Company Sector Earnings ($) vs 2008
T A T & T INC NEW (12/31) $7,694 B 5.4% 5.8% 4.8% 2.5% $0.54 -1.8%
Telecommunication Services Outperform (30)
AMZN AMAZON COM INC (12/31) 16,815 B 44.1% 7.6% 162.3% 41.1% 0.45 66.7%
Consumer Discretionary Outperform (33)
AAPL APPLE INC (09/30) 15,805 C 13.7% 9.9% 146.9% 59.4% 1.82 44.4%
Information Technology Outperform (39)
CVX CHEVRON CORPORATION (12/31) 43,833 C 10.3% 5.1% 8.1% 13.9% 1.92 -50.3%
Energy Outperform (20)
CSCO CISCO SYSTEMS INC (07/31) 3,830 C 1.7% 9.9% 46.9% 59.4% 0.30 -18.9%
C CITIGROUP INC (12/31) 1,071 NR -31.6% -2.6% -50.5% 12.7% (0.23) 67.6%
Financials Hold (18)
CMCSA COMCAST CORP NEW CL A 1,281 B* 0.3% 7.6% 1.7% 41.1% 0.33 26.9%
(12/31) Outperform (22)
Consumer Discretionary
ED CONSOLIDATED EDISON INC 8,999 C 12.5% 6.4% 23.9% 7.7% 1.22 84.8%
(12/31) Hold (16)
Utilities
DE DEERE & CO (10/31) 32,454 C 26.7% 4.9% 44.9% 18.4% (0.53) -165.4%
Industrials Outperform (20)
DUK DUKE ENERGY CORP NEW (12/31) 9,171 C 11.0% 6.4% 22.0% 7.7% 0.09 -47.1%
Utilities Hold (19)
EXC EXELON CORPORATION (12/31) 2,274 C -0.4% 6.4% -8.4% 7.7% 1.14 7.5%
Utilities Outperform (20)
XOM EXXON MOBIL CORPORATION 21,588 C 0.0% 5.1% -12.6% 13.9% 0.98 -65.7%
(12/31) Hold (20)
Energy
FCX FREEPORT MCMORAN COPPER 12,044 D 17.0% 6.9% 228.5% 46.4% 2.07 58.0%
Materials

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.
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
GE GENERAL ELECTRIC COMPANY $62,069 B* -7.3% 4.9% -1.7% 18.4% $0.22 -51.1%
Industrials
INTC INTEL CORP (12/31) 176,022 C* 5.0% 9.9% 43.9% 59.4% 0.33 -5.7%
KR KROGER COMPANY (01/31) 6,352 C -0.1% 4.2% -21.0% 11.7% (1.35) -475.0%
Consumer Staples Outperform (18)
MRO MARATHON OIL CORP (12/31) 8,058 B -1.5% 5.1% 17.8% 13.9% 0.55 -81.0%
Energy Hold (19)
MHS MEDCOHEALTH SOLUTIONS 4,985 B 15.5% 8.3% 52.5% 18.3% 0.69 19.0%
Health Care
MRK MERCK & CO INC NEW (12/31) 27,464 NR 16.7% 8.3% 26.7% 18.3% 1.61 215.7%
Health Care Outperform (19)
MSFT MICROSOFT CORP (06/30) 6,561 C 19.0% 9.9% 60.5% 59.4% 0.40 -16.7%
ORCL ORACLE CORPORATION (05/31) 5,931 B* 18.0% 9.9% 39.4% 59.4% 0.22 4.8%
PFE PFIZER INCORPORATED (12/31) 2,313 B 10.9% 8.3% 8.3% 18.3% 0.43 30.3%
SE SPECTRA ENERGY CORP (12/31) 4,943 B 9.7% 5.1% 38.3% 13.9% 0.22 -53.2%
TWC TIME WARNER CABLE (12/31) 207 C -3.9% 7.6% -35.7% 41.1% 0.89 5.9%
TWX TIME WARNER INC NEW (12/31) 624 B 9.0% 7.6% 118.0% 41.1% 0.43 -34.9%
TRV TRAVELERS COMPANIES INC 3,114 B 1.9% -2.6% 13.5% 12.7% 1.65 358.3%
Financials
VZ VERIZON COMMUNICATIONS 8,549 B 11.2% 5.8% 3.8% 2.5% 0.41 -30.5%
Telecommunication Services

Equity Profile
WMT WAL-MART STORES INC (01/31) $11,744 C 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) $9,595 D -10.9% 6.4% -28.9% 7.7% $0.45 -13.5%
LNT ALLIANT ENERGY CORP (12/31) 9,986 D 10.2% 6.4% 9.8% 7.7% (0.39) -139.4%
ACAS AMERICAN CAPITAL LTD (12/31) 4,665 NC -24.5% -2.6% 0.0% 12.7% 0.30 111.4%
Financials Hold (9)
ANH ANWORTH MTG ASSET CORP 3,500 NC -- -4.1% -2.6% 28.6% 12.7% 0.27 325.0%
REIT (12/31) Buy (7)
Financials
AOL AOL INC (12/31) 23 NA -- -- 9.9% -- 59.4% 0.70 --
Information Technology Hold (10)
ARTW ARTS-WAY MFG CO INC (11/30) 1,696 NC -- NA -15.0% 4.9% 19.1% 18.4% 0.02 -84.6%
Industrials
BGS B & G FOODS INC (12/31) 9,180 C -- 14.1% 4.2% 86.2% 11.7% 0.11 37.5%
BEZ BALDOR ELECTRIC COMPANY 7,023 C 3.4% 4.9% 62.9% 18.4% 0.27 -50.9%
Industrials
CSE CAPITALSOURCE INC REIT (12/31) 3,970 B* -8.3% -2.6% -12.9% 12.7% (0.87) -3,000.0%
CMO CAPSTEAD MORTGAGE CP 12,285 NC -- 1.9% -2.6% 50.2% 12.7% 0.56 7.7%
NEWREIT (12/31) Outperform (7)
Financials
CJHBQ CHAMPION ENTERPRISES (12/31) 4 NC -- NA -90.5% 7.6% -92.2% 41.1% (0.17) -525.0%

Equity Profile
Small Cap Equities (Fiscal Year) Value ($) 01/01/10 Opinion (# of analysts) Company Sector Company Sector Earnings ($) vs 2008
CLNE CLEAN ENERGY FUELS CORP $15,410 D -- 6.9% 5.1% 155.1% 13.9% ($0.31) -29.2%
Energy
CPTC COMPOSITE TECH CORP (09/30) 1,325 NC -- -38.4% 4.9% -1.9% 18.4% (0.02) -100.0%
Industrials Buy (2)
DFR DEERFIELD CAPITAL CP NEWREIT 920 NC -- NA -33.8% -2.6% 29.2% 12.7% 0.27 101.2%
(12/31)
Financials
DHT DHT MARITIME INC F (12/31) 3,680 C -2.1% 5.1% -27.2% 13.9% 0.02 -93.1%
Energy Hold (7)
ELNK EARTHLINK INC (12/31) 1,529 A 0.5% 9.9% 27.1% 59.4% 0.28 -42.9%
EMKR EMCORE CORP (09/30) 2,461 C -- -17.7% 9.9% -17.7% 59.4% (0.17) 67.9%
FNB F N B CORPORATION PA (12/31) 57,714 C* -- -2.7% -2.6% -44.7% 12.7% 0.04 -85.2%
Financials Hold (7)
FRCMQ FAIRPOINT COMMUN INC (12/31) 10 NC -- NA -92.0% 5.8% -99.0% 2.5% (0.86) -207.1%
FARM FARMER BROS CO COM (06/30) 59,190 F -- NA -4.1% 4.2% -19.1% 11.7% 0.15 135.7%
Consumer Staples
FGP FERRELLGAS PARTNERS LP 5,283 NC 8.5% 6.4% 62.1% 7.7% (0.47) -104.3%
(07/31) Hold (6)
Utilities
FITB FIFTH THIRD BANCORP (12/31) 39,595 B* -3.7% -2.6% 19.0% 12.7% (0.20) -42.9%
GHSE GATEHOUSE MEDIA INC (12/31) 200 NC -- NA 5.8% 7.6% 400.0% 41.1% 0.04 114.8%
GETA GENTA INC NEW (12/31) 870 NC -- NA -91.3% 8.3% -35.6% 18.3% (0.15) -103.0%
Health Care
THG HANOVER INSURANCE GROUP 7,287 C 9.4% -2.6% 5.2% 12.7% 0.95 211.8%
Financials

Equity Profile
HTS HATTERAS FINANCIAL CORP $30,756 NC -- -2.9% -2.6% 23.4% 12.7% $1.26 13.5%
Financials
HUM HUMANA INC (12/31) 6,584 B 17.7% 8.3% 17.7% 18.3% 1.78 63.3%
INSM INSMED INC NEW (12/31) 14 C* -- NA -6.1% 8.3% 64.7% 18.3% -- --

Health Care
IWA IOWA TELECOMMUNICATIONS 67,040 NR -- 39.5% 5.8% 35.6% 2.5% 0.14 -22.2%
(12/31) Hold (8)
LINE LINN ENERGY (12/31) 11,152 NC -- 24.9% 5.1% 112.1% 13.9% (0.69) -108.6%
Energy Buy (4)
LSI LSI CORPORATION (12/31) 186 C 9.5% 9.9% 82.7% 59.4% 0.08 300.0%
MTLQQ MOTORS LIQUIDATION CO (12/31) 39 NC -- -33.2% 7.6% -85.3% 41.1% (9.78) -70.4%
Consumer Discretionary Sell (2)
NCR N C R CORP NEW (12/31) 267 C -19.5% 9.9% -21.3% 59.4% 0.09 -81.6%
NI NISOURCE INC HOLDING CO 3,884 A 12.7% 6.4% 51.5% 7.7% (0.03) -137.5%
(12/31) Hold (9)
Utilities
NOVB NORTH VALLEY BANCORP (12/31) 1,045 NC -- -27.9% -2.6% -44.1% 12.7% (0.55) -175.0%
Financials Hold (1)
OCNW OCCAM NETWORKS INC NEW 162 B -- 45.9% 9.9% 125.0% 59.4% (0.12) 7.7%
DELAWARE (12/31) Buy (1)
Information Technology
OMNI OMNI ENERGY SERVICES NEW 1,260 NC -- NA -18.7% 5.1% 5.9% 13.9% 0.01 -90.0%
(12/31)
Energy
OKS ONEOK PARTNERS LP (12/31) 10,959 NC 20.1% 5.1% 49.0% 13.9% 0.81 -44.5%

Equity Profile
PRGN PARAGON SHIPPING CL A (12/31) $4,550 C -- 8.4% 4.9% 0.3% 18.4% $0.37 27.6%
PLBC PLUMAS BANCORP QUINCY CA 4,077 NC -- NA -21.3% -2.6% -60.0% 12.7% (0.46) -428.6%
(12/31)
Financials
PRWT PREMIERWEST BANCORP (12/31) 68,641 NC -- -47.6% -2.6% -77.7% 12.7% (0.22) -485.3%
Financials Underperform (1)
PDO PYRAMID OIL CO (12/31) 1,273 NC -- NA 4.1% 5.1% 19.8% 13.9% (0.01) -105.3%
Energy
QTM QUANTUM CP DLT & STORAG 2,930 B -- 132.5% 9.9% 713.9% 59.4% 0.05 600.0%
(03/31) Buy (2)
RF REGIONS FINANCIAL CP NEW 1,342 NR -14.7% -2.6% -31.4% 12.7% (0.37) -384.6%
(12/31) Hold (18)
Financials
SCG SCANA CORPORATION NEW 10,795 C 9.4% 6.4% 12.3% 7.7% 0.84 5.0%
(12/31) Hold (5)
Utilities
STX SEAGATE TECHNOLOGY F (06/30) 5,111 C 19.6% 9.9% 313.5% 59.4% 0.35 191.7%
SQNM SEQUENOM INC NEW (12/31) 4,140 F -- 28.2% 8.3% -79.1% 18.3% (0.33) -57.1%
Health Care Hold (8)
SOBM SINOBIOMED INC (12/31) 36 NC -- NA 6.7% 8.3% 92.0% 18.3% (0.01) --

Health Care
STI SUNTRUST BANKS INC (12/31) 852 D* -10.0% -2.6% -30.2% 12.7% (0.76) -186.4%
TGC TENGASCO INC NEW (12/31) 225 NC -- NA -10.0% 5.1% -27.4% 13.9% -- --
Energy
TDC TERADATA CORP (12/31) 754 B 14.2% 9.9% 111.9% 59.4% 0.36 -5.3%

Equity Profile
UGI U G I CORPORATION NEW (09/30) $7,706 A -2.7% 6.4% 2.3% 7.7% ($0.03) -121.4%
UNG UNITED STATES NAT GAS 17,741 NC -- -14.1% -- -56.5% -- -- --

FDMASTER LTD PARTNERSHIP Hold (1)
(12/31)
ZVUE ZVUE CORPORATION (12/31) 5 NC -- NA -- 7.6% -- 41.1% (0.25) -4.2%

Benchmark: Russell 2000 Index 3.9% 27.2%
International Equities (Fiscal Year)

ALU ALCATEL LUCENT ADR $378 NC -26.1% 9.9% 54.4% 59.4% ($0.11) -450.0%
FSPONSORED ADR 1 ADR REP 1 Outperform (12)
ORD (12/31)
ANPI ANGIOTECH PHARM INC F (12/31) 84 NC -- -28.3% 8.3% 376.9% 18.3% (0.90) -221.4%
Health Care Underperform (3)
BP BP PLC ADR FSPONSORED ADR 1 31,304 NC 10.5% 5.1% 32.9% 13.9% 1.69 -33.7%
ADR REP 6 ORD (12/31) Outperform (14)
Energy
DSX DIANA SHIPPING INC F (12/31) 14,480 NC -- 11.4% 4.9% 13.5% 18.4% 0.73 49.0%
DRYS DRYSHIPS INC F (12/31) 5,820 NC -- -12.2% 4.9% -45.4% 18.4% (18.42) -443.0%
Industrials Hold (15)
FRO FRONTLINE LTD F (12/31) 27,320 NC 17.4% 5.1% -3.7% 13.9% (0.07) -105.0%
Energy Underperform (15)
GMR GEN MARITIME CORP NEW F 6,990 D -8.2% 5.1% -26.7% 13.9% 0.27 -54.2%
(12/31) Hold (15)
Energy
HBC HSBC HLDGS PLC ADR NEW 5,309 NC 0.2% -2.6% 39.7% 12.7% 0.52 -68.1%
FSPONSORED ADR 1 ADR REPS 5 Buy (2)
ORD (12/31)
Financials
Equity Profile
International Equities (Fiscal Year) Value ($) 01/01/10 Opinion (# of analysts) Company Sector Company Sector Earnings ($) vs 2008
DDSS LABOPHARM INC F (12/31) $4,160 NC -- 42.5% 8.3% 14.3% 18.3% ($0.26) -44.4%
Health Care Hold (8)
PAL NO AMERN PALLADIUM LTD F 3,500 NC -- 25.4% 6.9% 91.3% 46.4% (1.31) -627.8%
(12/31) Hold (3)
Materials
OCNF OCEANFREIGHT INC F (12/31) 1,850 NC -- -31.0% 4.9% -68.9% 18.4% (0.15) -124.6%
Industrials Hold (1)
RDSB ROYAL DUTCH SHELL B 2,500 NC -- NA 5.7% 5.1% 20.5% 13.9% 1.66 25.8%
ADRFSPONSORED ADR 1 ADR
REPS 2 CL B ORD (12/31)
Energy
SLB SCHLUMBERGER LTD F (12/31) 26,036 C 9.6% 5.1% 56.2% 13.9% 0.65 -48.0%
RIG TRANSOCEAN INC NEW F (12/31) 2,153 B -3.2% 5.1% 75.2% 13.9% 2.19 -36.5%
VALE VALE SA ADR FSPONSORED ADR 17,418 NC 26.8% 6.9% 145.8% 46.4% 0.31 -67.0%
1 ADR REP 1 ORD (12/31) Outperform (25)
Materials
Benchmark: MSCI EAFE Index 2.2% 31.8%
Equities Not Classified

ADVANCED CELL TECHNOLOGY ENTECH SOLAR INC NEW CENTURY FINL CP N^XXBANKRUPT EFF 08/01/08
ALCHEMY CREATIVE INC HYPOWER FUEL INC NEW PROTOKINETIX INC
C I T GROUP INC NEW IDEARC INC U S SHIPPING PARTNERSXXXBANKRUPT EFF 11/13/09

QUARTERLY PORTFOLIO PROFILE Q4 2009 MUTUAL FUND PROFILE
Mutual Fund Profile

Morningstar Ratings Average Annualized Return
Historical Risk 5 Year
12/31/09 Low High Expense 3-Month Since Growth of
Large Cap Mutual Funds (Inception) Value ($) Overall Ratio Return 1 Year 5 Year 10 Year Inception $10,000
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%
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.
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.
QUARTERLY PORTFOLIO PROFILE Q4 2009 MUTUAL FUND PROFILE
Mutual Fund Profile

Morningstar Ratings Average Annualized Return
Historical Risk 5 Year
12/31/09 Low High Expense 3-Month Since Growth of
Multi-Asset Mutual Funds (Inception) Value ($) Overall Ratio Return 1 Year 5 Year 10 Year Inception $10,000
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 STRAT 3,322 -- -- -- -- -- -- -- -- --
COHEN&STEERS MASTR INCM
Closed End Mutual Funds

Performance data not available for Closed End Mutual Funds
ALLIANCEBERNSTEIN GLOBAL NUVEEN PREM INCM MUN FD PIMCO CA MUN INCM FD IIICALIFORNIA
ARES CAPITAL CORP NUVEEN SELCT QLTY MUN FD PIMCO 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 CL
J 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 for
PROSPECT 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 UNIT
TRS *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 are
subject 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 reflects
fund 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.
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.
QUARTERLY PORTFOLIO PROFILE Q4 2009 ETF PROFILE
Exchange-Traded Funds (ETF) Profile

Average Total Market Return Average Total NAV Return
As Of Quarter End As Of Quarter End
Price ($) Since Since
Large Cap ETFs (Inception) Symbol Per Unit Value 1 Year 5 Year 10 Year Inception 1 Year 5 Year 10 Year Inception
ISHARES TR RUSSELL 3000 RUSSELL 3000 INDEX FUND IWV $65 28.3% 0.7% -- 0.0% 28.2% 0.7% -- 0.0%
(05/2000)
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 UNG $10 -56.5% -- -- -45.0% -56.7% -- -- -44.9%
(04/2007)
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 EEM 42 68.8% 14.9% -- 23.4% 71.7% 15.1% -- 23.2%
(04/2003)
VANGUARD INTL EQTY INDEXFTSE ALL WORLD EX US ETF VEU 44 37.6% -- -- -3.4% 38.9% -- -- -2.9%
(03/2007)
Multi-Asset ETFs (Inception)

ISHARES TR DOW JONES RE US REAL ESTATE INDEX FD IYR $46 30.5% -1.1% -- 8.4% 30.2% -1.1% -- 8.4%
(06/2000)
POWERSHS EXCH TRAD FD TRWILDERHILL CLEAN ENERGY PBW 11 27.6% -- -- -6.9% 29.0% -- -- -6.9%
PORTFOLIO (03/2005)
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 06/16/23SUBJ LSC 9 -12.8% -- -- -4.9% -10.5% -- -- -4.9%
TO XTRO REDEMPTION (06/2008)
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 BOND HYG 88 28.9% -- -- 2.9% 40.7% -- -- 2.8%
FUND (04/2007)
Legend: Multi-Asset Class Securities are proportionally distributed into the asset class using Morningstar data.
QUARTERLY PORTFOLIO PROFILE Q4 2009 ETF PROFILE
Exchange-Traded Funds (ETF) Profile

Average Total Market Return Average Total NAV Return
As Of Quarter End As Of Quarter End
Price ($) Since Since
Other ETFs (Inception) Symbol Per Unit Value 1 Year 5 Year 10 Year Inception 1 Year 5 Year 10 Year Inception
POWERSHS DB COMMDTY INDX (02/2006) DBC $25 16.2% -- -- 2.2% 15.1% -- -- 2.3%
POWERSHS DB US DOLLAR TRINDEX BULLISH FUND UUP 23 -6.5% -- -- -2.3% -6.8% -- -- -2.4%
(02/2007)
POWERSHS EXCH TRAD FD TREMERGING MKTS SOVEREIGN PCY 26 35.7% -- -- 7.5% 33.2% -- -- 6.3%
DEBT PORTFOLIO (10/2007)
RYDEX ETF TRUST AUSTRALIAN DOLLAR TRUST FXA 90 29.3% -- -- 10.8% 32.0% -- -- 10.8%
(06/2006)
SPDR BARCLAYS CAPITAL CONVERTIBLE BOND ETF CWB 38 -- -- -- 28.1% -- -- -- 29.5%

(04/2009)
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 INFLATION WIP 56 16.3% -- -- -3.2% 18.5% -- -- -2.7%
PROTECTED BOND (03/2008)
Legend: Multi-Asset Class Securities are proportionally distributed into the asset class using Morningstar data.
QUARTERLY PORTFOLIO PROFILE Q4 2009 FIXED INCOME SUMMARY
Fixed Income Summary
Estimated Bond Interest and Principal Payments
$4,000
2,000
12/31/09 Value ($)

0
Jan 10 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Treasury Securities 4.4% $30,961
Interest $38 $3,397 $2,996 $3,876 $2,828 $926 $38 $3,197 $2,996 $3,576 $2,828 $926 Municipal Securities 70.2% 499,673
Principal $60,000 $10,000 -- -- -- $15,000 -- -- -- $10,000 -- -- Agency/Mortgage 0.0% 0
Total Monthly $60,038 $13,397 $2,996 $3,876 $2,828 $15,926 $38 $3,197 $2,996 $13,576 $2,828 $926 Securities
Corporate Securities 11.7% 83,459
Maturity Schedule Preferred 12.2% 87,119
Other Fixed Income 1.4% 10,188
$125,000 Total 100% $711,399
100,000
75,000 Credit Quality

50,000
25,000
0
'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 $35,677 6.3%
Short Term 1-5 Years 122,007 21.6%
Intermediate 5-10 Years 196,575 34.8% 12/31/09 Value ($)
Long Term 10+ Years 210,024 37.2% Govt/AAA 8.4% $62,181
Total Value Over Time Period Shown $564,283 100% AA 12.9% 95,234
A 32.2% 238,238
For pie chart definitions, please consult the User Guide BBB 0.0% 0
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 mortgage Non-Invest Grade 9.1% 67,681
backed 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 of
future 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. Not Rated 37.4% 277,036
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 backed
securities 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 maturity
Total 100% $740,370
dates 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 the
Account Summary pages of this report.

QUARTERLY PORTFOLIO PROFILE Q4 2009 FIXED INCOME PROFILE
Fixed Income Profile

Treasury Securities
US TREAS BOND 7.25%05/16 DUE 05/15/16
Municipal Securities
BLAIRSVILLE-SALTS 4.5%23GO DUE 03/15/23BURG SCH DIST OID SYNCOR CALIFORNIA ST 5.25%28GO DUE 02/01/28 LANE CNTY ORE 3.875%14GO UTX DUE 06/15/14SCH DIST NO 052 OID FSA
CALIFORNIA ST 5%22GO DUE 11/01/22UNREFUNDED MBIA CALIFORNIA ST 4.375%17GO UTX DUE 10/01/17 OID OREGON ST 6%21GO UTX DUE 08/01/21 OID SUBJ AMT
CALIFORNIA ST 5%23GO UTX DUE 02/01/23UNREFUNDED OID FGIC CALIFORNIA ST PUB 5.5%18REV DUE 12/01/18WKS BRD OID SUBJ XTRO OREGON ST DEPT 4.65%11REV DUE 04/01/11ADMINISTRATIVE OID FSA
CALIFORNIA ST 5%29GO DUE 02/01/29 OID CHULA VISTA CALIF 5.6%21REV DUE 09/01/21CMNTY FACS DIST SPL OID PORTLAND ORE CMN 4.25%10GO UTX DUE 06/01/10COLLEGE DIST OID
CALIFORNIA ST 6%10GO DUE 10/01/10 NPFG FOLSOM CALIF SP 6.125%22REV DUE 09/01/22TAX OID RIVERSIDE CALIF ELE 5%18** CALLED **DUE 10/01/18@ 100.5% EFF 01/11/10
CALIFORNIA ST 5.8%16GO DUE 06/01/16 FRESNO CALIF UNI SC 4%13GO U/LTX DUE 08/01/13DIST FGIC SALEM ORE WTR & 5.5%18REV DUE 06/01/18SWR REV OID FSA
CALIFORNIA ST 7.5%34GO UTX BAB DUE 04/01/34 SUBJ XTRO TXBL JACKSON CNTY ORE 6.25%26REV DUE 11/01/26HSG AUTH REV OID WEST SACRAMENTO 5.25%34REV DUE 09/01/34CALIF SPL TAX
CALIFORNIA ST 5.25%27GO DUE 11/01/27 OID KNOX CNTY TENN HEAL 0%10REV DUE 01/01/10EDL & OID SUBJ XTRO MBIA
Corporate Securities
CIT GROUP INC 7%13NOTES DUE 05/01/13 CIT GROUP INC 7%17NOTES DUE 05/01/17 GENL MOTORS ACC 9.0%15SMARTNOTES DUE 07/15/15
CIT GROUP INC 7%14NOTES DUE 05/01/2014 EL PASO CORP 7%11NT DUE 05/15/11 TOYS R US INC 7.375%18BONDS DUE 10/15/18
CIT GROUP INC 7%15NOTES DUE 05/01/15 FORD MOTOR CRED 5.75%14NOTES DUE 02/20/14
CIT GROUP INC 7%16NOTES DUE 05/01/16 GENL ELEC CAP 4%10INTERNOTES DUE 02/15/10
Other Fixed Income

FORD CAP B V 9.50%10FGTD DEB DUE 06/01/10 U S TREAS STRIP 0% 08/12INT PMT DUE 08/15/12
U S TREAS STRIP 0% 02/12INT PMT DUE 02/15/12 VAN KAMPEN UNIT TR 516 *UT 516 COHEN & STEERS MASTER MUN MONTHLY CASH
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.

Approx. Approx. Expected
Par Market Coupon Current Maturity Call Payment Date of
Treasury Securities S&P Moody's Value Value Rate Yield Date Date Amount Payment
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 03/15/23BURG N/R A1 $100,000 $102,155 4.50% 4.41% 03/15/23 03/15/17 $2,250 03/15/10
SCH DIST OID SYNCOR
CALIFORNIA ST 5%22GO DUE 11/01/22UNREFUNDED N/R Baa1 $5,000 $5,007 5.00% 4.99% 11/01/22 05/01/10 $125 05/01/10
MBIA
CALIFORNIA ST 5%23GO UTX DUE A Baa1 $20,000 $20,004 5.00% 5.00% 02/01/23 01/31/10 $500 02/01/10
02/01/23UNREFUNDED OID FGIC
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 04/01/34 A Baa1 $10,000 $9,780 7.50% 7.67% 04/01/34 -- $375 04/01/10
SUBJ XTRO TXBL
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 12/01/18WKS A- A1 $10,000 $10,013 5.50% 5.49% 12/01/18 01/31/10 $275 06/01/10
BRD OID SUBJ XTRO
CHULA VISTA CALIF 5.6%21REV DUE 09/01/21CMNTY N/R N/R $5,000 $4,473 5.60% 6.26% 09/01/21 09/01/12 $140 03/01/10
FACS DIST SPL OID
FOLSOM CALIF SP 6.125%22REV DUE 09/01/22TAX N/R N/R $10,000 $11,042 6.125% 5.55% 09/01/22 09/01/11 $306 03/01/10
OID
FRESNO CALIF UNI SC 4%13GO U/LTX DUE A+ N/R $50,000 $53,138 4.00% 3.76% 08/01/13 08/01/11 $1,000 02/01/10
08/01/13DIST FGIC
JACKSON CNTY ORE 6.25%26REV DUE 11/01/26HSG N/R N/R $5,000 $4,276 6.25% 7.31% 11/01/26 05/01/10 $156 05/01/10
AUTH REV OID
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.

Municipal Securities S&P Moody's Value Value Rate Yield Date Date Amount Payment
KNOX CNTY TENN HEAL 0%10REV DUE 01/01/10EDL & AA N/R $60,000 $60,000 0.00% 0.00% 01/01/10 -- $0 --
OID SUBJ XTRO MBIA
LANE CNTY ORE 3.875%14GO UTX DUE 06/15/14SCH N/R Aa2 $10,000 $10,571 3.875% 3.67% 06/15/14 06/15/12 $194 06/15/10
DIST NO 052 OID FSA
OREGON ST 6%21GO UTX DUE 08/01/21 OID SUBJ AA Aa2 $5,000 $5,005 6.00% 5.99% 08/01/21 01/31/10 $150 02/01/10
AMT
OREGON ST DEPT 4.65%11REV DUE AAA Aa3 $10,000 $10,099 4.65% 4.60% 04/01/11 01/31/10 $233 04/01/10
04/01/11ADMINISTRATIVE OID FSA
PORTLAND ORE CMN 4.25%10GO UTX DUE AA Aa2 $5,000 $5,084 4.25% 4.18% 06/01/10 -- $106 06/01/10
06/01/10COLLEGE DIST OID
RIVERSIDE CALIF ELE 5%18** CALLED **DUE AA- N/R $15,000 $15,116 5.00% 4.96% 10/01/18 01/14/10 $375 04/01/10
10/01/18@ 100.5% EFF 01/11/10
SALEM ORE WTR & 5.5%18REV DUE 06/01/18SWR AAA Aa3 $10,000 $10,218 5.50% 5.38% 06/01/18 06/01/10 $275 06/01/10
REV OID FSA
WEST SACRAMENTO 5.25%34REV DUE 09/01/34CALIF N/R N/R $10,000 $7,487 5.25% 7.01% 09/01/34 03/01/10 $263 03/01/10
SPL TAX
Corporate Securities
CIT GROUP INC 7%13NOTES DUE 05/01/13 -- -- $1,785 $1,669 7.00% 7.49% 05/01/13 -- $31 02/10/10
EL PASO CORP 7%11NT DUE 05/15/11 BB- Ba3 $25,000 $25,656 7.00% 6.82% 05/15/11 02/03/10 $875 05/15/10
FORD MOTOR CRED 5.75%14NOTES DUE 02/20/14 B- B3 $20,000 $18,387 5.75% 6.25% 02/20/14 02/20/10 $575 02/20/10
GENL ELEC CAP 4%10INTERNOTES DUE 02/15/10 AA+ Aa2 $10,000 $10,030 4.00% 3.99% 02/15/10 -- $200 02/15/10
GENL MOTORS ACC 9.0%15SMARTNOTES DUE CCC Ca $5,000 $4,288 9.00% 10.50% 07/15/15 07/15/10 $38 01/15/10
07/15/15

Corporate Securities S&P Moody's Value Value Rate Yield Date Date Amount Payment
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 & STEERS -- -- $1,015 $7,989 0.00% 0.00% -- -- $0 --
MASTER MUN MONTHLY CASH
Preferred Securities
Performance data not available for Preferred Stocks
AEGON NV 7.25% PFD FCAP SECS DUE PERP MTYSUBJ TO XTRO REDEMPTION ING GROUP N V 7.20% PFDFDEBT SECS DUE PERP MATSUBJ TO XTRO REDEMPTION RBS CAP FND VII TR 6.08%
BANK OF AMER CAP TR 6%34TR PFD SEC DUE 11/03/34SUBJ TO XTRO REDEMPTION J P MORGAN CHASE 6.20%34TR PFD SECS DUE 10/15/34SUBJ TO XTRO REDEMPTION ROYAL BK SCOTLAND 6.40%FPERPETUAL MATURITY SER M PFD
CITIGROUP VIII 6.95%31CAP SECS DUE 09/15/31SUBJ TO XTRO REDEMPTION LINCOLN NATL CAP 6.75%52TR PFD SECS DUE 09/11/52SUBJ TO XTRO REDEMPTION SATURNS DPL INC 7.875%31TRUST UNIT DUE 09/01/31SUBJ TO XTRO REDEMPTION
HSBC USA INC 2023ELEMENTS DUE 06/16/23SUBJ TO XTRO REDEMPTION PARTNERRE LTD 6.75% PFDFCUM PERPETUAL SER C PFD SATURNS 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%
QUARTERLY PORTFOLIO PROFILE Q4 2009 ACCOUNT SUMMARY
0000-0001 Dana Jones Account Summary

Account 0000-0001
12/31/09
Security Symbol Rating Quantity Price ($) Value ($) Asset Class
Cash and Cash Investments

CASH -- -- -- $20.61 Cash
SCHWAB CASH RESERVES SWEEP SHARES SWSXX -- -- 268,933.09 Cash Invest
Schwab Equity Rating

Equities as of 01/01/10 Current Asset Allocation
A T & T INC NEW T B 241 $28.03 $6,743.41 Large Cap Large Cap Equity 30.7%
ALCATEL LUCENT ADR FSPONSORED ADR 1 ADR REP 1 ALU NC 89 3.32 295.48 International Small Cap Equity 17.1%
ORD
International Equity 4.7%
ALLEGHENY ENERGY INC AYE D 409 23.48 9,595.12 Small Cap Fixed Income 15.3%
BP PLC ADR FSPONSORED ADR 1 ADR REP 6 ORD BP NC 540 57.97 31,303.80 International Cash Investments 32.2%
CHAMPION ENTERPRISES CJHBQ NC 80 0.04 3.51 Small Cap Other 0.0%
Total‡ 100%
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 ADR HBC NC 93 57.09 5,309.37 International
REPS 5 ORD
IDEARC INC IDARQ NC 11 0.00 0.04 Other

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 income
a 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)
12/31/09
Equities as 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 ADR RDSB NC 43 58.13 2,499.59 International
REPS 2 CL B ORD
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

12/31/09
Fixed Income S&P Par Value

BLAIRSVILLE-SALTS 4.5%23GO DUE 03/15/23BURG -- N/R 100,000 102.16% $102,155.00 Fixed Income
SCH DIST OID SYNCOR
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


Account 0000-0002
12/31/09

CASH -- -- -- $11,960.58 Cash
SCHWAB CASH RESERVES SWEEP SHARES SWSXX -- -- 651.55 Cash Invest

ADVANCED CELL TECHNOLOGY ACTC NC 10,000 $0.09 $920.00 Other Large Cap Equity 9.2%
ALCHEMY CREATIVE INC ALMY NC 2,000 0.00 5.80 Other Small Cap Equity 27.4%
AMAZON COM INC AMZN B 125 134.52 16,815.00 Large Cap International Equity 16.2%
AMERICAN CAPITAL LTD ACAS 1,912 2.44 4,665.28 Small Cap Fixed Income 30.4%
NC
Cash Investments 2.2%
ANWORTH MTG ASSET CORP REIT ANH NC 500 7.00 3,500.00 Small Cap
Other 14.7%
APPLE INC AAPL C 75 210.73 15,804.90 Large Cap Total‡ 100%
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

12/31/09
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

12/31/09
U S SHIPPING PARTNERSXXXBANKRUPT EFF 11/13/09 -- NC 10,100 N/A N/A Other
VALE SA ADR FSPONSORED ADR 1 ADR REP 1 ORD VALE NC 600 29.03 17,418.00 International
ZVUE CORPORATION ZVUE NC 1,000 0.01 5.00 Small Cap

AEGON NV 7.25% PFD FCAP SECS DUE PERP MTYSUBJ AEF -- 400 19.79% $7,916.00 Fixed Income
TO XTRO REDEMPTION
BANK OF AMER CAP TR 6%34TR PFD SEC DUE BAC+Y -- 200 19.50 3,900.00 Fixed Income
11/03/34SUBJ TO XTRO REDEMPTION
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 12/01/18WKS -- A- 10,000 100.13 10,013.20 Fixed Income
BRD OID SUBJ XTRO
CHULA VISTA CALIF 5.6%21REV DUE 09/01/21CMNTY -- N/R 5,000 89.45 4,472.55 Fixed Income
FACS DIST SPL OID
CITIGROUP VIII 6.95%31CAP SECS DUE 09/15/31SUBJ C+Z -- 500 20.75 10,375.00 Fixed Income
TO XTRO REDEMPTION
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 DUE -- CCC 5,000 85.75 4,287.50 Fixed Income
07/15/15
ING GROUP N V 7.20% PFDFDEBT SECS DUE PERP INZ -- 200 19.28 3,856.00 Fixed Income
MATSUBJ TO XTRO REDEMPTION
J P MORGAN CHASE 6.20%34TR PFD SECS DUE JPM+Y -- 200 24.05 4,810.00 Fixed Income

12/31/09

LINCOLN NATL CAP 6.75%52TR PFD SECS DUE LNC+F -- 200 22.50% $4,500.00 Fixed Income
PARTNERRE LTD 6.75% PFDFCUM PERPETUAL SER C PRE+C -- 600 23.50 14,100.00 Fixed Income
PFD
RBS CAP FND VII TR 6.08% RBS+G -- 400 10.00 4,000.00 Fixed Income
ROYAL BK SCOTLAND 6.40%FPERPETUAL MATURITY SER RBS+M -- 600 10.50 6,300.00 Fixed Income
M PFD
SATURNS DPL INC 7.875%31TRUST UNIT DUE MJT -- 200 25.28 5,056.00 Fixed Income
SATURNS TR SEARS 7.25%32TRUST UNIT EXP -- -- 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 & STEERS -- -- 1,015 7.87 7,989.07 Fixed Income
MASTER MUN MONTHLY CASH
WEST SACRAMENTO 5.25%34REV DUE 09/01/34CALIF -- N/R 10,000 74.87 7,486.90 Fixed Income
SPL TAX

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

12/31/09

HUGOTON ROYALTY TR UBI ROYALTY TRUST HGT -- 500 $16.08 $8,040.00 Other
MESABI TRUST CTF BEN INTROYALTY TRUST MSB -- 500 12.80 6,400.00 Other
NUVEEN GLOBAL VALUE OPPT JGV -- 900 17.53 15,777.00 Multi-Asset
PARAMOUNT ENERGY TRUST FTRUST UNIT PMGYF -- 1,000 4.98 4,979.10 Other
PERMIAN BASIN ROYALTY TRROYALTY TRUST PBT -- 500 14.44 7,220.00 Other
PIMCO CA MUN INCM FD IIICALIFORNIA PZC -- 300 9.08 2,724.00 Fixed Income
PIMCO CAL MUNI INC FD II PCK -- 675 8.68 5,859.00 Fixed Income
PROSPECT CAPITAL CORP PSEC -- 1,500 11.81 17,715.00 Small Cap
VAN KAMPEN UNIT TRS *UT 683 CLSD END STRAT -- -- 555 5.99 3,322.23 Other
COHEN&STEERS MASTR INCM


Account 0000-0003
12/31/09

CASH -- -- -- $31.01 Cash

C I T GROUP INC NEW CIT NR 153 $27.61 $4,224.33 Other Large Cap Equity 3.9%
CAPITALSOURCE INC REIT CSE B * 1,000 3.97 3,970.00 Small Cap Small Cap Equity 46.7%
GENERAL ELECTRIC COMPANY GE B * 800 15.13 12,104.00 Large Cap International Equity 0.0%
IOWA TELECOMMUNICATIONS IWA 4,000 16.76 67,040.00 Small Cap Fixed Income 11.1%
NR
NORTH VALLEY BANCORP NOVB NC 500 2.09 1,045.00 Small Cap
Other 1.4%
PLUMAS BANCORP QUINCY CA PLBC NC 1,359 3.00 4,077.00 Small Cap Total‡ 100%
PREMIERWEST BANCORP PRWT NC 48,339 1.42 68,641.38 Small Cap

CIT GROUP INC 7%13NOTES DUE 05/01/13 -- -- 1,785 93.50% $1,668.98 Fixed Income
CIT GROUP INC 7%14NOTES DUE 05/01/2014 -- -- 2,678 92.88 2,487.19 Fixed Income
FORD MOTOR CRED 5.75%14NOTES DUE 02/20/14 -- B- 20,000 91.94 18,387.24 Fixed Income


Account 0000-0004
12/31/09

CASH -- -- -- $121.40 Cash
Fixed Income S&P Par Value Current Asset Allocation

GENL ELEC CAP 4%10INTERNOTES DUE 02/15/10 -- AA+ 10,000 100.30% $10,029.72 Fixed Income Large Cap Equity 0.0%
U S TREAS STRIP 0% 02/12INT PMT DUE 02/15/12 -- -- 10,000 97.45 9,744.53 Fixed Income Small Cap Equity 0.0%
U S TREAS STRIP 0% 08/12INT PMT DUE 08/15/12 -- -- 20,000 96.13 19,226.56 Fixed Income International Equity 0.0%
Fixed Income 52.9%
VANGUARD GNMA FUND INVESTOR SHARE VFIIX 4,727 $10.64 $50,292.68 Fixed Income Other 0.0%
Total‡ 100%


Account 0000-0005
12/31/09

CASH -- -- -- $518.05 Cash
SCHWAB VALUE ADVANTAGE MONEY FUND SWVXX -- -- 6,055.38 Cash Invest

A T & T INC NEW T B 34 $28.03 $950.83 Large Cap Large Cap Equity 20.2%
ALCATEL LUCENT ADR FSPONSORED ADR 1 ADR REP 1 ALU NC 25 3.32 83.00 International Small Cap Equity 2.8%
ORD
International Equity <0.1%
AOL INC AOL NA 1 23.28 23.28 Small Cap Fixed Income 69.3%
CISCO SYSTEMS INC CSCO C 160 23.94 3,830.40 Large Cap Cash Investments 7.6%
COMCAST CORP NEW CL A CMCSA B* 76 16.86 1,281.36 Large Cap Other 0.0%
Total‡ 100%
EARTHLINK INC ELNK A 184 8.31 1,528.84 Small Cap
INTEL CORP INTC C* 229 20.40 4,661.86 Large Cap
LSI CORPORATION LSI C 6 6.01 36.06 Small Cap
ORACLE CORPORATION ORCL B* 242 24.53 5,930.68 Large Cap
SUNTRUST BANKS INC STI D* 42 20.29 852.12 Small Cap
TIME WARNER CABLE TWC C 5 41.39 206.95 Large Cap
TIME WARNER INC NEW TWX B 21 29.14 624.21 Large Cap

KNOX CNTY TENN HEAL 0%10REV DUE 01/01/10EDL & -- AA 60,000 100.00% $60,000.00 Fixed Income
OID SUBJ XTRO MBIA


Account 0000-0006
12/31/09

SCHWAB CASH RESERVES SWEEP SHARES SWSXX -- -- $157,514.64 Cash Invest
SCHWAB VALUE ADVANTAGE MONEY FUND SWVXX -- -- 511,147.58 Cash Invest

ALLIANT ENERGY CORP LNT D 330 $30.26 $9,985.80 Small Cap Large Cap Equity 17.6%
ANGIOTECH PHARM INC F ANPI NC 68 1.24 84.32 International Small Cap Equity 6.5%
DEERE & CO DE C 600 54.09 32,454.00 Large Cap International Equity 2.0%
FARMER BROS CO COM FARM 3,000 19.73 59,190.00 Small Cap Fixed Income 25.8%
F
HANOVER INSURANCE GROUP THG C 164 44.43 7,286.52 Small Cap
Other 0.0%
HUMANA INC HUM B 150 43.89 6,583.50 Small Cap Total‡ 100%
INSMED INC NEW INSM C* 18 0.77 13.86 Small Cap
INTEL CORP INTC C* 8,400 20.40 171,360.00 Large Cap
MOTORS LIQUIDATION CO MTLQQ NC 82 0.47 38.62 Small Cap
QUANTUM CP DLT & STORAG QTM B 1,000 2.93 2,930.00 Small Cap
SCHLUMBERGER LTD F SLB C 400 65.09 26,036.00 International
SEAGATE TECHNOLOGY F STX C 281 18.19 5,111.39 Small Cap
TRANSOCEAN INC NEW F RIG B 26 82.80 2,152.80 International

CALIFORNIA ST 5%22GO DUE 11/01/22UNREFUNDED -- N/R 5,000 100.14% $5,007.20 Fixed Income
MBIA
CALIFORNIA ST 5%23GO UTX DUE -- A 20,000 100.02 20,003.60 Fixed Income

02/01/23UNREFUNDED OID FGIC

12/31/09

CALIFORNIA ST 6%10GO DUE 10/01/10 NPFG -- A 10,000 103.75% $10,375.20 Fixed Income
CALIFORNIA ST 5.8%16GO DUE 06/01/16 -- A 5,000 100.20 5,010.05 Fixed Income
CALIFORNIA ST 7.5%34GO UTX BAB DUE 04/01/34 -- A 10,000 97.80 9,780.10 Fixed Income
SUBJ XTRO TXBL
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 DUE -- A+ 50,000 106.28 53,138.00 Fixed Income
08/01/13DIST FGIC
RIVERSIDE CALIF ELE 5%18** CALLED **DUE -- AA- 15,000 100.77 15,115.80 Fixed Income
10/01/18@ 100.5% EFF 01/11/10
US TREAS BOND 7.25%05/16 DUE 05/15/16 -- -- 25,000 123.84 30,960.93 Fixed Income

AMERICAN CENTURY CA LONG TERM TAX FREE FUND BCLTX 5,722 $10.74 $61,451.58 Fixed Income
SCHWAB DIVIDEND EQUITY FUND SWDSX 1,825 11.73 21,408.87 Large Cap
SCHWAB LARGE-CAP GROWTH FUND SWLSX 2,026 9.87 19,992.79 Large Cap
SCHWAB PREMIER INCOME FD SWIIX -- 2,878 9.97 28,689.67 Fixed Income
Total Account Value $1,392,868.02


Account 0000-0007
12/31/09

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

EXXON MOBIL CORPORATION XOM C 150 $68.19 $10,200.36 Large Cap
Current Asset Allocation
MIRANT CORPORATION XXXESCROW PENDING POSSIBLE -- NC 59 N/A N/A Other Large Cap Equity 10.8%
FUTURE DISTRIBUTION
Small Cap Equity 9.4%
UNITED STATES NAT GAS FDMASTER LTD PARTNERSHIP UNG NC 1,760 10.08 17,740.80 Small Cap
International Equity 7.1%
Fixed Income 54.5%
Fixed Income S&P Par Value Cash Investments 3.3%
HSBC USA INC 2023ELEMENTS DUE 06/16/23SUBJ TO LSC -- 2,122 9.25% $19,624.26 Fixed Income Other 14.9%
XTRO REDEMPTION
Total‡ 100%
JACKSON CNTY ORE 6.25%26REV DUE 11/01/26HSG -- N/R 5,000 85.51 4,275.65 Fixed Income
AUTH REV OID
LANE CNTY ORE 3.875%14GO UTX DUE 06/15/14SCH -- N/R 10,000 105.71 10,571.40 Fixed Income
DIST NO 052 OID FSA
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 DUE -- AAA 10,000 100.99 10,099.10 Fixed Income
04/01/11ADMINISTRATIVE OID FSA
PORTLAND ORE CMN 4.25%10GO UTX DUE -- AA 5,000 101.67 5,083.55 Fixed Income
06/01/10COLLEGE DIST OID
SALEM ORE WTR & 5.5%18REV DUE 06/01/18SWR REV -- AAA 10,000 102.18 10,217.60 Fixed Income
OID FSA
Exchange-Traded Funds (ETF) Morningstar Overall

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

12/31/09
Exchange-Traded Funds (ETF) Morningstar Overall

ISHARES MSCI AUS IDX FD AUSTRALIA INDEX FUND EWA -- 902 $22.84 $20,601.68 International
ISHARES MSCI EMRG MKT FDEMERGING MARKETS INDX EEM -- 511 41.50 21,206.50 International
FD
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 MKTS PCY -- 771 25.53 19,684.72 Fixed Income
SOVEREIGN DEBT PORTFOLIO
POWERSHS EXCH TRAD FD TRWILDERHILL CLEAN PBW -- 1,774 11.00 19,514.00 Multi-Asset
ENERGY PORTFOLIO
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 GOVERNMENT WIP -- 851 55.86 47,536.86 Fixed Income
INFLATION PROTECTED BOND
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

12/31/09

ALLIANCEBERNSTEIN GLOBAL AWF -- 1,893 $13.29 $25,152.73 Fixed Income
COLUMBIA OR INTERM MUNI BD CL Z CMBFX 12,746 12.25 156,139.43 Fixed Income
NUVEEN PREM INCM MUN FD NPI -- 960 13.15 12,622.27 Fixed Income
NUVEEN SELCT QLTY MUN FD NQS -- 1,081 14.07 15,206.18 Fixed Income
VANGUARD GNMA FUND INVESTOR SHARE VFIIX 7,193 10.64 76,538.38 Fixed Income
VANGUARD INTER TERM TAX EXEMPT FD INVESTOR SHS VWITX 2,788 13.47 37,550.72 Fixed Income

QUARTERLY PORTFOLIO PROFILE Q4 2009 IMPORTANT INFORMATION
Important Information about Your Quarterly Portfolio Profile

Introduction recent market or company news before taking any action. Stocks may go down as well as up and investors (including
Your Quarterly Portfolio Profile reflects your account positions held at Charles Schwab & Co., Inc. as of the last business clients) may lose money, including their original investment. Past history is no indication of future performance and
day of the quarter reflected. The supplemental material in the report is provided for informational purposes only and returns are not guaranteed. For individual advice, please call Schwab using the number on the first page of this report.
should not be considered an individualized recommendation or personalized investment advice. The Quarterly Portfolio Descriptions for Non-Rated Stocks
Profile should not be substituted for, or considered, your account statement. Please consult your Schwab account
Category Definition Description
statement for information of record regarding your account’s balance, positions and transactions.
NR Not Rated Schwab has decided not to publish a rating on this stock due to unusual or
Transactions that were pending settlement as of the end of the calendar quarter may not be included in this report. For extraordinary business circumstances related to this company.
presentation purposes, Net Portfolio Values listed on the first page of this report are rounded to the nearest whole
NA Not Available A Schwab Equity Rating is not available on this stock due to insufficient
dollar.
information about the stock.
Third-Party Information
NC Not Covered This stock is not currently in the Schwab Equity Rating universe or is prohibited
Third parties provide certain information in your report. Schwab believes that such third-party information is reliable, but
from coverage for regulatory reasons.
does not guarantee its accuracy, timeliness or completeness, and it is subject to change without notice.
* Check News Check current news because a potentially significant event has been
Data providers, such as Standard & Poor’s, Inc (S&P) and Reuters may not make information available on all companies.
announced for an A or B rated stock. Although Schwab generally does not
Mutual Fund rating information is provided by Morningstar, Inc. Ratings data for fixed income is provided by Moody’s and
monitor C, D, and F rated stocks for current news, from time to time, asterisks
S&P. Fixed income fundamental and performance data is provided by S&P. The Global Industry Classification Standard
may appear on a particular stock due to certain circumstances (e.g. the
(GICS) was developed by and is the exclusive property of Morgan Stanley Capital International Inc. and Standard &
downgrade of a stock from a B to a C-rating). In any event, you should always
Poor’s. GICS is a service mark of MSCI and S&P and Schwab has licensed its use.
check news on a stock before placing a trade.
Market Cap as of 12/31/09:
Schwab Equity Ratings Explanation
Large Cap U.S. Stocks have a market capitalization of $10.142 billion or greater.
A (Strongly Outperform): If an investor is looking to add a stock to his or her portfolio, “A” rated stocks may be the
Small Cap U.S. Stocks have a market capitalization of less than $10.142 billion.
best candidates for consideration.
Ratings
B (Outperform): An investor looking to add a stock to his or her portfolio should also consider a “B” rated stock,
Schwab Equity Ratings® though preference should be given to “A” rated stocks.
Schwab Equity Ratings are assigned to approximately 3000 of the largest (by market capitalization) U.S. headquartered
C (Marketperform): An investor would not usually consider a “C” rated stock for purchase. An investor that has a “C”
stocks using a scale of "A", "B", "C", "D", and "F." The explanation and table below are included to assist you in using
rated stock in his or her portfolio should consider continuing to hold the stock, and might monitor the stock’s
Schwab Equity Ratings as one component of your own research to evaluate stocks and investment opportunities.
ongoing performance and compare the potential benefits of owning a stock with higher ratings.
Charles Schwab & Co. ("Schwab") rates stocks "A" to "F." Schwab's outlook is that "A" rated stocks, on average, will
D (Underperform): An investor holding a “D” rated stock should consider whether it is appropriate to continue to hold
strongly outperform and "F" rated stocks, on average, will strongly underperform the equities market over the next 12
that stock in his or her portfolio. An investor would not usually consider a “D” rated stock for purchase.
months. Schwab Equity Ratings are based upon a disciplined, systematic approach that evaluates each stock on the
basis of a wide variety of investment criteria from four broad categories: Fundamentals, Valuation, Momentum, and Risk. F (Strongly Underperform): An investor holding an “F” rated stock should consider whether it is appropriate to eliminate
This approach attempts to gauge investor expectations since stock prices tend to move in the same direction as that stock from his or her portfolio. An investor would not usually consider an “F” rated stock for purchase.
changes in investor expectations. Stocks with low and potentially improving investor expectations tend to receive the S&P Opinion
best Schwab Equity Ratings ("A" or "B" ratings), while stocks with high and potentially falling investor expectations tend The Standard & Poor’s STAR (Stock Appreciation Ranking System) rating provides S&P’s recommendations for action
to receive the worst Schwab Equity Ratings ("D" or "F" ratings). From time to time, Schwab may update the Schwab (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 to
Equity Ratings methodology. twelve months. Rankings are as follows:
Schwab Equity Ratings Distribution Buy Expected to be among the best performers of the S&P 500 stocks over the next 12 months.
Schwab Percentile Ranking Schwab Equity 12 Month Return General Buy/Hold/Sell Accumulate Expected to be an above average performer.
Equity Rating Distribution Rating Distribution Outlook Guidance† Hold Expected to be an average performer.

A 1-5 Top 5% Strongly Outperform Buy Avoid Likely to be a below average performer.

B 6-30 Next 25% Outperform Buy Sell Expected to be a well below average performer and to fall in price.

C 31-70 Next 40% Marketperform Hold Reuters Analyst Consensus:
D 71-95 Next 25% Underperform Sell Averages the opinions of third-party analysts tracked by Reuters who follow the company. Five boxes are listed, with
F 96-100 Bottom 5% Strongly Underperform Sell degrees of opinion moving out from the center “Hold” box. From left to right, the boxes represent: Sell (far left),
†The general buy/hold/sell guidance is relative to other rated equities only. Before considering whether to take any Underperform (2nd from left), Hold (center), Outperform (2nd from right), Buy (far right). The number of analysts with
action, an investor should consider whether equities generally are performing well in comparison to other asset classes opinions on the stock is listed with the appropriate number in parentheses. Analyst consensus ratings in the QPP report
and whether other equities in the same sector or category with the same or better rating may be more appropriate. are as of the calendar quarter end.
This material is for informational purposes only and is not an offer to sell or the solicitation of an offer to buy. Reuters updates analyst consensus on a daily basis. For the most recent consensus rating, please refer to the Schwab
Additionally, Schwab Equity Ratings, Percentile Rankings, and the general guidance are not personal recommendations Earnings Report on the Schwab website.
for any particular investor or client and do not take into account the financial, investment or other objectives or needs of, Morningstar Ratings
and may not be suitable for any particular investor or client. Before buying, investors and clients should consider whether The Morningstar star ratings evaluate how well a mutual fund has performed compared to other funds in the same broad
the investment is suitable. Investors and clients should consider Schwab Equity Ratings as only a single factor in making investment class. (The investment classes are domestic stock, international stock, taxable bond and municipal bond).
their investment decision while taking into account the current market environment. Accordingly, Charles Schwab & Co., The Morningstar ratings take into account the fund’s historical return, with an adjustment for the fund’s historical risk.
Inc. ("Schwab") does not assess the suitability (or the potential value) of any particular investment. Schwab also does Funds are rated from 5 stars (highest) to 1 star (lowest). Funds with higher star ratings generally have higher historical
not provide tax advice and the views in the material do not take into account any client's or investor's tax situation. risk-adjusted returns.
Clients and investors should consult their tax advisers before investing. Schwab Equity Ratings utilize third-party data in Overall: In determining the overall rating, the 3-, 5-, and 10-year time periods are combined as a weighted average, with
the forming of a rating. While Schwab believes such third-party information is reliable, we do not guarantee its accuracy, longer time periods weighted more heavily. If the fund scores in the top 10%, it receives 5 stars (highest); the next
timeliness or completeness. Schwab Equity Ratings are generally updated weekly, so you should review and consider any 22.5%, it receives 4 stars (above average); the middle 35%, 3 stars (neutral or average); the next 22%, 2 stars (below
QUARTERLY PORTFOLIO PROFILE Q4 2009 IMPORTANT INFORMATION
Important Information about Your Quarterly Portfolio Profile

average); and the bottom 10%, 1 star (lowest). Ratings are recalculated monthly. Performance and Growth Information
Historical Risk: Evaluates the weighted average of a fund’s downside volatility (i.e., how often it has underperformed Returns are adjusted for management, administrative and 12b-1 fees and other costs automatically deducted from fund
Treasury bills) relative to that of other funds in its broad investment category. To calculate risk, Morningstar adds up the assets. Total returns are also adjusted for sales loads and assume the reinvestment of capital gains and dividends.
amounts by which the fund trails the T-bill return each month and divides that sum by the number of months in the rating Information on Investments
period. • Bond: Income on tax-free bonds may be subject to the Alternative Minimum Tax. Government bond prices are not
S&P Fixed Income Rating Explanation guaranteed; their price and investment return will fluctuate with market conditions and interest rate movements.
AAA Highest quality B Speculative Investors may experience a loss or may, due to prepayment obligations, receive back part of their investment before
redemption.
AA High quality CCC, CC Default possible
A Upper medium grade C Default, partial recovery possible • High Yield Bond Fund: Investments in high yield bond funds are subject to greater risk of loss of principal and interest
than other bond funds. Purchasers should carefully assess the risks associated with an investment in this fund.
BBB Medium grade D Default, recovery not likely
BB Speculative elements NA Not Applicable • International: International investments are subject to additional risk such as currency fluctuations, political instability,
S&P may modify ratings from AA to CCC by the addition of a plus (+) or minus (-) to show relative standing within the foreign regulations, and the potential for illiquid markets.
major rating category. • Mutual Fund: Managers may occasionally waive all or a portion of fund fees at any given period. Waived fees would
Moody’s Fixed Income Rating Explained have the effect of increasing the fund’s reported performance and may not necessarily recur; review any prospectus
Aaa Highest quality Caa Default possible for details.
Aa High quality Ca Default, partial recovery possible Principal value and investment return will fluctuate with changes in market conditions so an investor’s shares, when
A Upper medium grade C Default, recovery not likely redeemed, may be worth more or less than their original cost.
Baa Medium grade NR Not rated Schwab’s short-term redemption fee will be charged on redemption of funds (except certain SchwabFunds) bought
Ba Speculative elements NA Not Applicable through Schwab’s Mutual Fund OneSource service (and certain other funds with no transaction fee) and held for 180
days or less. If you pay a transaction fee to purchase a fund, you will pay a transaction fee when you sell it as well.
B Speculative
Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on
MIG Short-term obligation, Moody’s Investment Grade (1-3, where 1 denotes best quality, 2 denotes high quality, and any funds. Schwab receives remuneration from funds companies participating in Mutual Fund OneSource.
3 denotes favorable quality)
SG Short-term obligation, speculative quality • Schwab Money Market Fund: An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance
Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at
Moody’s applies numerical modifiers 1, 2, and 3 in each generic category rating classification from Aa to B. The modifier
$1.00 per share, it is possible to lose money by investing in a money market fund.
1 indicates that the issue ranks in the higher end of its generic rating category; the modifier 2 indicates a mid-range
ranking; and the modifier 3 indicates that the issue ranks in the lower end of its generic category. • Sector Fund: Since the fund focuses its investments on companies involved in a single sector, the fund may involve a
Benchmark Data greater degree of risk than an investment in other mutual funds with greater diversification.
Performance of indices is provided in your report for comparison purposes. Indexes are unmanaged, do not incur • Small Cap: Small cap investments are subject to greater volatility than investments in other asset categories.
management fees, costs and expenses (or transaction fees or other related expenses) and cannot be invested in
directly. Past performance of any index should not be considered indication of future return. The indexes included are: Additional Information
For additional details about your Quarterly Portfolio Profile, please consult the User Guide available on the Schwab
• The S&P 500® Index for large-capitalization stocks and/or funds. The S&P 500 includes common stocks of 500 website or please call us at the phone number on page 1 of this report.
widely held companies. S&P 500 is a registered mark of The McGraw Hill Co., Inc.
• Go to www.schwab.com/QPP
• Russell 2000® Index for small-capitalization stocks and/or funds. This index consists of the 2,000 smallest
companies in the Russell 3000® Index, which represents approximately 98% of the total market value of publicly • Click “Quarterly Portfolio Profile”
available domestic equities.
• Select “All Reports” under View Reports
• The Morgan Stanley Capital International Europe, Australasia, Far East (MSCI-EAFE) Index is an index of foreign stocks
returns of selected exchanges in these markets. Its total return is calculated in U.S. dollars. • Select “View Quarterly Portfolio Profile User Guide”
• Barclays Capital Aggregate Bond Index (formerly the Lehman Brothers Aggregate Bond Index): Includes fixed rate debt
issues rated investment grade or higher by Moody’s Investors Service, Standard and Poor’s, or Fitch Investor’s
Service, in that order. All issues must have at least 1 year left to maturity and have an outstanding par value of at
least $250 million. The Aggregate Index is comprised of the Government/Credit, the Mortgage-Backed Securities, the
Commercial 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, and
pre-refunded bonds. The bonds are all investment-grade, fixed-rate, long-term maturities (greater than one year) and
are selected from issues larger than $75 million dated since January 1991. Bonds are added to the Index and
value-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 for
the overall equity market. 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.

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QUARTERLY PORTFOLIO PROFILE Q4 2009 PORTFOLIO OVERVIEW

Welcome To The Redesigned

Please refer to the back of this report for important information.

Looking for new ideas?

Portfolio Alerts www.schwab.com/schwabstocklists

Use the weekly Schwab Stock Lists® to

¹Charles Schwab & Co., Inc., member SIPC,

Please refer to the back of this report for important information.

Please refer to the back of this report for important information.

Relatively Low 4.1

INTC PRWT IWA GE FARM

Schwab Equity Rating C* NC NR B* F

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

Please refer to the back of this report for important information.

Schwab Equity Ratings® Schwab Equity Ratings®

This page gives you a snapshot of your

F 2 63,330 5% F 5% Portfolio Alert

Unrated 18 223,217 32% Unrated 32%

Total 30 $703,801 100%

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

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

Benchmark: S&P 500 Index 6.6% 24.7%

Small Cap Equities (Fiscal Year)

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

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

INSM INSMED INC NEW (12/31) 14 C* -- NA -6.1% 8.3% 64.7% 18.3% -- --

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

SOBM SINOBIOMED INC (12/31) 36 NC -- NA 6.7% 8.3% 92.0% 18.3% (0.01) --

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

UNG UNITED STATES NAT GAS 17,741 NC -- -14.1% -- -56.5% -- -- --

ZVUE ZVUE CORPORATION (12/31) 5 NC -- NA -- 7.6% -- 41.1% (0.25) -4.2%

International Equities (Fiscal Year)

Equities Not Classified

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

Mutual Fund Profile

Small Cap Mutual Funds (Inception)

Taxable Bond Mutual Funds (Inception)

Tax-Free Bond Mutual Funds (Inception)

Mutual Fund Profile

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

Other Mutual Funds (Inception)

Closed End Mutual Funds

Exchange-Traded Funds (ETF) Profile

Small Cap ETFs (Inception)

International ETFs (Inception)

Multi-Asset ETFs (Inception)

Other ETFs (Inception)

Exchange-Traded Funds (ETF) Profile

SPDR BARCLAYS CAPITAL CONVERTIBLE BOND ETF CWB 38 -- -- -- 28.1% -- -- -- 29.5%

Fixed Income Summary

Estimated Bond Interest and Principal Payments

12/31/09 Value ($)

75,000 Credit Quality

Maturity 12/31/09 Value ($)

Long Term 10+ Years 210,024 37.2% Govt/AAA 8.4% $62,181

Please refer to the back of this report for important information.

Fixed Income Profile

Other Fixed Income

Fixed Income Profile

Ratings Performance Earnings

Fixed Income Profile

Ratings Performance Earnings