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Redmond ePay! To better serve City of Redmond Utility customers, we are upgrading the billing system. The new system will be implemented in a multi-phase process to help guide existing customers through the system changes and options. Phase 1 goes into effect June 28, 2012. Phase 1 will feature a new billing statement for your July bill. In Phase 1, Redmond ePay will be offline and under construction. Charles Schwab 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 800-435-4000. Please read the prospectus carefully before investing. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF.

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