Charles Schwab 2008 Annual Report Download - page 2

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0
05
06
08
09
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i
ii
Letter From the CEO
2008 Results
Letter From the CFO
Financial Highlights
Growth In Client Assets & Accounts
Executive Management
Form 0-K
Board of Directors
Corporate Contacts & Information
TABLE OF CONTENTS
Forward-Looking Statements: In addition to historical information, this Annual Report to Stockholders contains “forward-looking statements,”
which are identified by words such as “believe,” “anticipate,” “expect,” “intend,” “plan,” “will,” “may,” “estimate,” “aim,” “target,” and other similar
expressions. In addition, any statements that refer to expectations, projections, or other characterizations of future events or circumstances are forward-
looking statements. These forward-looking statements, which reflect management’s beliefs, objectives, and expectations as of the date hereof, are
necessarily estimates based on the best judgment of the company’s senior management. These statements relate to, among other things, the company’s
ability to reduce expenses and achieve a pre-tax margin (See “Letter from the Chief Financial Officer”). Achievement of the expressed beliefs, objectives,
and expectations described in these statements is subject to certain risks and uncertainties that could cause actual results to differ materially from the
expressed beliefs, objectives, and expectations. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak
only as of the date of this Annual Report to Stockholders. See “Forward-Looking Statements” in Management’s Discussion and Analysis of Financial
Condition and Results of Operations on page 38 in the Form 0-K for a discussion of important factors that may cause such differences.