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<PAGE> PAGE 8
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015 A000601 PNC BANK N.A.
<PAGE> PAGE 21
015 B000601 C
015 C010601 PHILADELPHIA
015 C020601 PA
015 C030601 19101
015 E010601 X
018 000600 Y
019 A000600 Y
019 B000600 38
019 C000600 SCHWABFUND
024 000600 Y
025 A000601 BEAR STEARNS COMPANIES INC.
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025 C000604 E
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025 B000605 13-3224016
025 C000605 E
025 D000605 7293
025 A000606 PNC BANK CORP.
025 B000606 23-6200005
025 C000606 E
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025 A000607 CHARLES SCHWAB CORP.
025 B000607 94-1737782
025 C000607 E
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<PAGE> PAGE 22
028 D010600 306677
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<PAGE> PAGE 23
066 E000600 N
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067 000600 N
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069 000600 Y
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070 E020600 N
070 F010600 Y
070 F020600 Y
070 G010600 Y
070 G020600 N
070 H010600 Y
070 H020600 N
070 I010600 Y
070 I020600 N
070 J010600 Y
070 J020600 N
070 K010600 Y
070 K020600 Y
070 L010600 N
070 L020600 N
070 M010600 N
070 M020600 N
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070 N020600 Y
070 O010600 Y
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<PAGE> PAGE 24
072 E000600 326
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<PAGE> PAGE 25
074 R020600 0
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<PAGE> PAGE 26
039 000700 N
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<PAGE> PAGE 27
070 G010700 Y
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<PAGE> PAGE 28
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015 A000801 THE CHASE MANHATTAN BANK, NEW YORK
015 B000801 C
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<PAGE> PAGE 29
015 C030801 11201
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<PAGE> PAGE 30
070 H020800 N
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<PAGE> PAGE 31
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015 A000901 THE CHASE MANHATTAN BANK, NEW YORK
015 B000901 C
015 C010901 BROOKLYN
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015 C030901 11201
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<PAGE> PAGE 32
019 A000900 Y
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<PAGE> PAGE 33
070 J010900 Y
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<PAGE> PAGE 34
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015 A001001 THE CHASE MANHATTAN BANK, NEW YORK
015 B001001 C
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015 C031001 11201
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<PAGE> PAGE 35
024 001000 N
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<PAGE> PAGE 36
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<PAGE> PAGE 37
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015 A001101 THE CHASE MANHATTAN BANK, NEW YORK
015 B001101 C
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<PAGE> PAGE 38
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<PAGE> PAGE 39
070 M011100 Y
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<PAGE> PAGE 40
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008 A001201 CHARLES SCHWAB INVESTMENT MANAGEMENT, INC.
008 B001201 A
008 C001201 801-35905
008 D011201 SAN FRANCISCO
008 D021201 CA
008 D031201 94104
014 A001201 CHARLES SCHWAB & CO., INC.
014 B001201 8-16514
014 A001202 MAYER & SCHWEITZER, INC.
014 B001202 8-13535
014 A001203 CHARLES SCHWAB EUROPE
014 B001203 8-00000
014 A001204 CHARLES SCHWAB HONG KONG
014 B001204 8-00000
015 A001201 THE CHASE MANHATTAN BANK, NEW YORK
015 B001201 C
<PAGE> PAGE 41
015 C011201 BROOKLYN
015 C021201 NY
015 C031201 11201
015 E011201 X
018 001200 Y
019 A001200 Y
019 B001200 38
019 C001200 SCHWABFUND
024 001200 N
028 A011200 94113
028 A021200 0
028 A031200 0
028 A041200 452
028 B011200 17334
028 B021200 0
028 B031200 0
028 B041200 2519
028 C011200 12842
028 C021200 0
028 C031200 0
028 C041200 2834
028 D011200 8736
028 D021200 0
028 D031200 0
028 D041200 5044
028 E011200 4790
028 E021200 0
028 E031200 0
028 E041200 2790
028 F011200 4314
028 F021200 0
028 F031200 0
028 F041200 2702
028 G011200 142129
028 G021200 0
028 G031200 0
028 G041200 16341
028 H001200 0
037 001200 N
038 001200 0
039 001200 N
040 001200 N
045 001200 Y
046 001200 N
047 001200 Y
048 001200 0.000
048 A011200 1000000
048 A021200 0.740
048 B011200 1000000
048 B021200 0.690
048 C011200 0
<PAGE> PAGE 42
048 C021200 0.000
048 D011200 0
048 D021200 0.000
048 E011200 0
048 E021200 0.000
048 F011200 0
048 F021200 0.000
048 G011200 0
048 G021200 0.000
048 H011200 0
048 H021200 0.000
048 I011200 0
048 I021200 0.000
048 J011200 0
048 J021200 0.000
048 K011200 2000000
048 K021200 0.640
066 A001200 Y
066 B001200 N
066 C001200 N
066 D001200 Y
066 E001200 N
066 F001200 N
066 G001200 N
067 001200 N
068 A001200 N
068 B001200 N
069 001200 N
070 A011200 Y
070 A021200 N
070 B011200 Y
070 B021200 N
070 C011200 Y
070 C021200 N
070 D011200 Y
070 D021200 N
070 E011200 Y
070 E021200 N
070 F011200 Y
070 F021200 Y
070 G011200 Y
070 G021200 N
070 H011200 Y
070 H021200 N
070 I011200 Y
070 I021200 N
070 J011200 Y
070 J021200 N
070 K011200 Y
070 K021200 Y
070 L011200 Y
<PAGE> PAGE 43
070 L021200 N
070 M011200 Y
070 M021200 N
070 N011200 Y
070 N021200 N
070 O011200 Y
070 O021200 N
070 P011200 Y
070 P021200 N
070 Q011200 N
070 Q021200 N
070 R011200 N
070 R021200 N
071 A001200 126302
071 B001200 1642
071 C001200 106362
071 D001200 2
072 A001200 12
072 B001200 16
072 C001200 0
072 D001200 0
072 E001200 0
072 F001200 357
072 G001200 16
072 H001200 0
072 I001200 47
072 J001200 3
072 K001200 0
072 L001200 35
072 M001200 5
072 N001200 56
072 O001200 0
072 P001200 0
072 Q001200 0
072 R001200 12
072 S001200 13
072 T001200 0
072 U001200 0
072 V001200 0
072 W001200 1
072 X001200 545
072 Y001200 357
072 Z001200 -172
072AA001200 0
072BB001200 404
072CC011200 0
072CC021200 7805
072DD011200 0
072DD021200 0
072EE001200 0
073 A011200 0.0000
<PAGE> PAGE 44
073 A021200 0.0000
073 B001200 0.0000
073 C001200 0.0000
074 A001200 847
074 B001200 0
074 C001200 50
074 D001200 0
074 E001200 0
074 F001200 0
074 G001200 0
074 H001200 0
074 I001200 116476
074 J001200 0
074 K001200 0
074 L001200 303
074 M001200 43
074 N001200 117719
074 O001200 150
074 P001200 0
074 Q001200 0
074 R011200 0
074 R021200 0
074 R031200 0
074 R041200 160
074 S001200 0
074 T001200 117409
074 U011200 12649
074 U021200 0
074 V011200 9.28
074 V021200 0.00
074 W001200 0.0000
074 X001200 23444
074 Y001200 0
075 A001200 0
075 B001200 107361
076 001200 0.00
SIGNATURE TAI-CHIN TUNG
TITLE CONTROLLER
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000904333
<NAME> SCHWAB CAPITAL TRUST
<SERIES>
<NUMBER> 061
<NAME> SCHWAB S&P 500 FUND INVESTOR SHARES
<MULTIPLIER> 1,000
<S> <C>
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<FISCAL-YEAR-END> OCT-31-1998
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<ACCUMULATED-NII-CURRENT> 30878
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<DISTRIBUTIONS-OF-INCOME> (8697)
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<ACCUMULATED-NII-PRIOR> 11074
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000904333
<NAME> SCHWAB CAPITAL TRUST
<SERIES>
<NUMBER> 062
<NAME> SCHWAB S&P 500 FUND E SHARES
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1998
<PERIOD-START> NOV-01-1997
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<DIVIDEND-INCOME> 42456
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000904333
<NAME> SCHWAB CAPITAL TRUST
<SERIES>
<NUMBER> 070
<NAME> SCHWAB ANALYTICS FUND
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1998
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000904333
<NAME> SCHWAB CAPITAL TRUST
<SERIES>
<NUMBER> 080
<NAME> MARKET MANAGER INTERNATIONAL
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1998
<PERIOD-START> NOV-01-1997
<PERIOD-END> OCT-31-1998
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<SHARES-COMMON-PRIOR> 7465
<ACCUMULATED-NII-CURRENT> (12)
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<ACCUMULATED-NET-GAINS> (950)
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<ACCUM-APPREC-OR-DEPREC> 4584
<NET-ASSETS> 73804
<DIVIDEND-INCOME> 2706
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<OTHER-INCOME> 0
<EXPENSES-NET> (402)
<NET-INVESTMENT-INCOME> 2378
<REALIZED-GAINS-CURRENT> (850)
<APPREC-INCREASE-CURRENT> 1021
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<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (2385)
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<NUMBER-OF-SHARES-SOLD> 2484
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<NET-CHANGE-IN-ASSETS> (7282)
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<ACCUMULATED-GAINS-PRIOR> 2052
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000904333
<NAME> SCHWAB CAPITAL TRUST
<SERIES>
<NUMBER> 090
<NAME> MARKET MANAGER GROWTH
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1998
<PERIOD-START> NOV-01-1997
<PERIOD-END> OCT-31-1998
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<EXPENSES-NET> (732)
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<PER-SHARE-NAV-BEGIN> 11.60
<PER-SHARE-NII> .32
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<PER-SHARE-NAV-END> 11.43
<EXPENSE-RATIO> .50
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000904333
<NAME> SCHWAB CAPITAL TRUST
<SERIES>
<NUMBER> 100
<NAME> MARKET MANAGER BALANCED
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1998
<PERIOD-START> NOV-01-1997
<PERIOD-END> OCT-31-1998
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<ACCUM-APPREC-OR-DEPREC> 3335
<NET-ASSETS> 92794
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<OTHER-INCOME> 0
<EXPENSES-NET> (411)
<NET-INVESTMENT-INCOME> 2639
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<APPREC-INCREASE-CURRENT> (812)
<NET-CHANGE-FROM-OPS> 2007
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<DISTRIBUTIONS-OF-INCOME> (2017)
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<NUMBER-OF-SHARES-SOLD> 4875
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<GROSS-EXPENSE> 977
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<PER-SHARE-NAV-BEGIN> 11.38
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<PER-SHARE-NAV-END> 11.36
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<AVG-DEBT-OUTSTANDING> 0
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000904333
<NAME> SCHWAB CAPITAL TRUST
<SERIES>
<NUMBER> 110
<NAME> MARKET MANAGER SMALL CAP
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1998
<PERIOD-START> NOV-01-1997
<PERIOD-END> OCT-31-1998
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<SHARES-COMMON-PRIOR> 20857
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<ACCUMULATED-NET-GAINS> (16276)
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<NET-ASSETS> 128547
<DIVIDEND-INCOME> 5454
<INTEREST-INCOME> 111
<OTHER-INCOME> 0
<EXPENSES-NET> (884)
<NET-INVESTMENT-INCOME> 4681
<REALIZED-GAINS-CURRENT> (16129)
<APPREC-INCREASE-CURRENT> (4764)
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<DISTRIBUTIONS-OF-INCOME> (5676)
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<NUMBER-OF-SHARES-SOLD> 2919
<NUMBER-OF-SHARES-REDEEMED> (9240)
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<NET-CHANGE-IN-ASSETS> (78503)
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<ACCUMULATED-GAINS-PRIOR> (147)
<OVERDISTRIB-NII-PRIOR> 0
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<PER-SHARE-NAV-END> 8.51
<EXPENSE-RATIO> .50
<AVG-DEBT-OUTSTANDING> 0
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000904333
<NAME> SCHWAB CAPITAL TRUST
<SERIES>
<NUMBER> 120
<NAME> MARKET TRACK ALL EQUITY
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1998
<PERIOD-START> NOV-01-1997
<PERIOD-END> OCT-31-1998
<INVESTMENTS-AT-COST> 124397
<INVESTMENTS-AT-VALUE> 116526
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<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 125790
<SHARES-COMMON-STOCK> 12649
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> (172)
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<ACCUM-APPREC-OR-DEPREC> (7805)
<NET-ASSETS> 117409
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 16
<OTHER-INCOME> 0
<EXPENSES-NET> (188)
<NET-INVESTMENT-INCOME> (172)
<REALIZED-GAINS-CURRENT> (404)
<APPREC-INCREASE-CURRENT> (7805)
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<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
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<SHARES-REINVESTED> 0
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<ACCUMULATED-NII-PRIOR> 0
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<GROSS-EXPENSE> 545
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<PER-SHARE-NAV-BEGIN> 10.00
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<PER-SHARE-DISTRIBUTIONS> 0
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<PER-SHARE-NAV-END> 9.28
<EXPENSE-RATIO> .39
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
To the Board of Trustees and Shareholders of
Schwab Capital Trust
In planning and performing our audits of the financial statements of Schwab
S&P 500 Fund, Schwab Small-Cap Index Fund, Schwab International Index Fund,
Schwab MarketTrack Growth Portfolio (formerly Schwab AssetDirector - High
Growth Fund), Schwab MarketTrack Balanced Portfolio (formerly Schwab
AssetDirector - Balanced Growth Fund), Schwab MarketTrack Conservative
Portfolio (formerly Schwab AssetDirector - Conservative Growth Fund), Schwab
MarketTrack All Equity Portfolio, Schwab MarketManager International Portfolio
(formerly Schwab OneSource Portfolios - International), Schwab MarketManager
Growth Portfolio (formerly Schwab OneSource Portfolios - Growth Allocation),
Schwab MarketManager Balanced Portfolio (formerly Schwab OneSource
Portfolios - Balanced Allocation), Schwab MarketManager Small Cap Portfolio
(formerly Schwab OneSource Portfolios - Small Company), and Schwab
Analytics Fund (twelve portfolios of Schwab Capital Trust) (collectively,
the "Funds") for the periods ended October 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 October 31, 1998.
This report is intended solely for the information and use of management and
the Board of Trustees of Schwab Capital Trust and the Securities and Exchange
Commission.
/s/ PricewaterhouseCoopers LLP
San Francisco, CA
December 8, 1998
AMENDED SCHEDULE A
to the Investment Advisory and
Administration Agreement
for Schwab Capital Trust
Fund
Effective Date
Schwab International Index Fund
July 21, 1993
Schwab Small-Cap Index Fund
October 14, 1993
Schwab MarketTrack Growth Portfolio
(formerly known as Schwab Asset Director-
High Growth Fund)
September 25, 1995
Schwab MarketTrack Balanced Portfolio
(formerly known as Schwab Asset Director-
Balanced Growth Fund)
September 25, 1995
Schwab MarketTrack Conservative Portfolio
(formerly known as Schwab Asset Director-
Conservative Growth Fund)
September 25, 1995
Schwab S&P 500 Fund
February 28, 1996
Schwab Analytics Fund
May 21, 1996
Schwab MarketManager International Portfolio
(formerly known as Schwab OneSource Portfolios
- -International)
September 2, 1996
Schwab MarketManager Growth Portfolio
(formerly known as Schwab OneSource Portfolios-
Growth Allocation)
October 13, 1996
Schwab MarketManager Balanced Portfolio
(formerly known as Schwab OneSource Portfolios-
Balanced Allocation)
October 13, 1996
Schwab MarketManager Small Cap Portfolio
(formerly known as Schwab OneSource Portfolios-
Small Company)
August 3, 1997
Schwab Market Track All Equity Portfolio
(formerly known as Schwab Asset Director-
Aggressive Growth Fund)
April 16, 1998
SCHWAB CAPITAL TRUST
By: /s/ William J. Klipp
Name: William J. Klipp
Title: Trustee, Executive Vice
President and Chief Operating
Officer
CHARLES SCHWAB INVESTMENT
MANAGEMENT, INC.
By: /s/ Stephen B. Ward
Name: Stephen B. Ward
Title: Senior Vice President and Chief
Investment Officer
AMENDED SCHEDULE B
to the Investment Advisory and
Administration Agreement
for Schwab Capital Trust
ADVISORY FEE SCHEDULE
The fees listed below are for services provided under
this Agreement and are to be accrued daily and paid
monthly
in
arrears:
Fund
Fee
Schwab International Index Fund
Seventy one-hundredths of one percent (0.70%)
of the Fund's average daily net assets not in excess
of $300,000,000 and sixty one-hundredths of one
percent (0.60%) of such assets over $300,000,000
Schwab Small-Cap Index Fund
Fifty one-hundredths of one percent (0.50%) of the
Fund's average daily net assets not in excess of
$300,000,000 and forty-five one-hundredths of
one percent (0.45%) of such assets over $300,000,000
Schwab MarketTrack Growth Portfolio (formerly
known as Schwab Asset Director-High Growth Fund)
Seventy-four one-hundredths of one percent (0.74%)
of the Fund's average daily net assets not in excess
of $1 billion; sixty-nine one-hundredths of one percent
(0.69%)of such net assets over $1 billion, but not more
than $2 billion; and sixty-four one-hundredths of one
percent (0.64%) of such net assets over $2 billion
Schwab MarketTrack Balanced Portfolio (formerly
known as Schwab Asset Director-Balanced Growth
Fund)
Seventy-four one-hundredths of one percent (0.74%)
of the Fund's average daily net assets not in excess of
$1 billion; sixty-nine one-hundredths of one percent
(0.69%)of such net assets over $1 billion, but not more
than $2 billion; and sixty-four one-hundredths of one
percent (0.64%) of such net assets over $2 billion
Schwab MarketTrack Conservative Portfolio (formerly
known as Schwab Asset Director-Conservative
Growth Fund)
Seventy-four one-hundredths of one percent (0.74%) of
the Fund's average daily net assets not in excess of
$1 billion; sixty-nine one-hundredths of one percent
(0.69%) of such net assets over $1 billion, but not more
than $2 billion; and sixty-four one-hundredths of one
percent (0.64%) of such net assets over $2 billion
Schwab S&P 500 Fund
Thirty-six one-hundredths of one percent (0.36%) of the
Fund's average daily net assets not in excess of $1 billion;
thirty-three one hundredths of one percent (0.33%) of
such
net assets over $1 billion, but not more than $2 billion;
and thirty-one one hundredths of one percent (0.31%)
of such net assets over $2 billion.
Schwab Analytics Fund
Seventy-four one hundredths of one percent (0.74%)
of the Fund's average daily net assets not in excess of
$1 billion; sixty-nine one hundredths of one percent
(0.69%) of such net assets over $1 billion, but not
more than $2 billion; and sixty-four one hundredths of
one percent (0.64%) of such net assets over $2 billion.
Schwab MarketManager International Portfolio (formerly
known as Schwab OneSource Portfolios-International)
Seventy-four one hundredths of one percent (0.74%) of
the Fund's average daily net assets not in excess of $1
billion;sixty-nine one hundredths of one percent (0.69%)
of such net assets over $1 billion, but not more than
$2 billion; and
sixty-four one hundredths of one percent (0.64%) of such
net assets over $2 billion.
Schwab MarketManager Growth Portfolio (formerly
known as Schwab OneSource Portfolios-Growth
Allocation)
Seventy-four one hundredths of one percent (0.74%)
of the Fund's average daily net assets not in excess of
$1 billion; sixty-nine one hundredths of one percent
(0.69%) of such net assets over $1 billion, but not
more than $2 billion; and sixty-four one hundredths
of one percent (0.64%) of such net assets over $2 billion.
Schwab MarketManager Balanced Portfolio (formerly
known as Schwab OneSource Portfolios-Balanced
Allocation)
Seventy-four one hundredths of one percent (0.74%)
of the Fund's average daily net assets not in excess of
$1 billion; sixty-nine one hundredths of one percent
(0.69%) of such net assets over $1 billion, but not
more than $2 billion; and sixty-four one hundredths
of one percent (0.64%) of such net assets over $2 billion.
Schwab MarketManager Small Cap Portfolio (formerly
known as Schwab OneSource Portfolios-Small
Company)
Seventy-four one hundredths of one percent (0.74%)
of the Fund's average daily net assets not in excess of
$1 billion; sixty-nine one hundredths of one percent
(0.69%) of such net assets over $1 billion, but not
more than $2 billion; and sixty-four one hundredths
of one percent (0.64%) of such net assets over $2 billion.
Schwab Market Track All Equity Portfolio (formerly
known as Schwab Asset Director-Aggressive Growth
Fund)
Seventy-four one hundredths of one percent (0.74%)
of the Fund's average daily net assets not in excess
of $1 billion; sixty-nine one hundredths of one
percent (0.69%) of such net assets over $1 billion,
but not more than $2 billion; and sixty-four one
hundredths of one percent (0.64%) of such net assets
over $2 billion.
SCHWAB CAPITAL TRUST
By: William J. Klipp
Name: William J. Klipp
Title: Trustee, Executive Vice
President and
Chief Operating Officer
CHARLES SCHWAB INVESTMENT
MANAGEMENT, INC.
By: Stephen B. Ward
Name: Stephen B. Ward
Title: Senior Vice President and
Chief Investment Officer
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