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<PAGE> PAGE 21
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<PAGE> PAGE 22
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<PAGE> PAGE 24
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<PAGE> PAGE 26
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<PAGE> PAGE 27
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<PAGE> PAGE 28
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<PAGE> PAGE 29
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<PAGE> PAGE 30
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<PAGE> PAGE 31
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<PAGE> PAGE 32
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<PAGE> PAGE 33
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<PAGE> PAGE 34
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<PAGE> PAGE 35
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<PAGE> PAGE 36
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<PAGE> PAGE 37
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<PAGE> PAGE 38
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<PAGE> PAGE 39
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<PAGE> PAGE 40
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<PAGE> PAGE 41
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<PAGE> PAGE 42
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<PAGE> PAGE 43
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<PAGE> PAGE 44
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<PAGE> PAGE 45
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<PAGE> PAGE 46
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<PAGE> PAGE 47
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<PAGE> PAGE 48
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<PAGE> PAGE 49
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<PAGE> PAGE 50
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<PAGE> PAGE 51
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<PAGE> PAGE 52
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<PAGE> PAGE 53
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<PAGE> PAGE 54
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<PAGE> PAGE 55
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<PAGE> PAGE 56
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<PAGE> PAGE 57
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<PAGE> PAGE 58
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<PAGE> PAGE 59
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<PAGE> PAGE 60
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SIGNATURE MARY JANE MALONEY
TITLE MANAGER
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<NAME> SCHWAB GOVERNEMNT CASH RESERVES
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EXHIBIT INDEX
Exhibit A: Attachment to item 77B:
Accountant's report on internal control.
- --------------------------------------------------------------
Exhibit A:
To the Board of Trustees of
The Charles Schwab Family of Funds
In planning and performing our audits of the financial
statements of Schwab Money Market Fund, Schwab Government Money
Fund, Schwab U.S. Treasury Money Fund, Schwab Municipal Money
Fund, Schwab California Municipal Money Fund, Schwab New York
Municipal Money Fund, Schwab New Jersey Municipal Money Fund,
Schwab Pennsylvania Municipal Money Fund, Schwab Florida
Municipal Money Fund, Schwab Value Advantage Money Fund, Schwab
Institutional Advantage Money Fund, Schwab Retirement Money
Fund, and Schwab Government Cash Reserves (thirteen portfolios
of The Charles Schwab Family of Funds) (collectively, the
"Funds") for the period ended December 31, 1998, we
considered their internal control, including control activities
for safeguarding securities, in order to determine our auditing
procedures for the purpose of expressing our opinions on the
financial statements and to comply with the requirements of
Form N-SAR, not to provide assurance on internal control.
The management of the Funds is responsible for establishing and
maintaining internal control. In fulfilling this
responsibility, estimates and judgments by management are
required to assess the expected benefits and related costs of
controls. Generally, controls that are relevant to an audit
pertain to the entity's objective of preparing financial
statements for external purposes that are fairly presented in
conformity with generally accepted accounting principles.
Those controls include the safeguarding of assets against
unauthorized acquisition, use or disposition.
Because of inherent limitations in internal control, errors or
fraud may occur and not be detected. Also, projection of any
evaluation of internal control to future periods is subject to
the risk that it may become inadequate because of changes in
conditions or that the effectiveness of the design and
operation may deteriorate.
Our consideration of internal control would not necessarily
disclose all matters in internal control that might be material
weaknesses under standards established by the American
Institute of Certified Public Accountants. A material weakness
is a condition in which the design or operation of one or more
of the internal control components does not reduce to a
relatively low level the risk that misstatements caused by
error or fraud in amounts that would be material in relation to
the financial statements being audited may occur and not be
detected within a timely period by employees in the normal
course of performing their assigned functions. However, we
noted no matters involving internal control and its operation,
including controls for safeguarding securities, that we
consider to be material weaknesses as defined above as of
December 31, 1998.
This report is intended solely for the information and use of
management and the Board of Trustees of The Charles Schwab
Family of Funds and the Securities and Exchange Commission.
PricewaterhouseCoopers LLP
San Francisco, California
January 29, 1999
