Smith Barney Access is the powerful and innovative online service that provides a direct link to Smith Barney. Access may be an excellent complement to your relationship with your Financial Advisor with 24-hour access to security positions, account transactions, news, research, charts, financial planning tools and calculators all in one convenient location.

Basic Services Financial Planning Center Additional Services Investor Education and Corporate Services

Basic Services

We offer a wide variety of products, services and educational information.

Trading
Access offers the ability to buy and sell options, equities and mutual funds in a secure environment online in three easy steps (enter the order, review the order, submit the order). Clients can trade options on Access including: writing covered calls, buying protective puts, and buying calls, puts, indexes and leaps.

Portfolio Views
Clients can view their account holdings by positions, activity, gain loss and tax lot information, portfolio summary and more.

Quotes, News and Research
Access has full Dow Jones News stories, up to the minute news headlines and market reports. We provide clients with intra-day news and analyses. Our municipal bond strategists keep clients up-to-date, with major daily developments, market yields and announcements on the municipal bond markets.

The Analyst Corner features a different analyst each week covering his or her most recent ideas and commentary in streaming video.

Watch List
Clients have the ability to monitor up to 90 securities they select on 3 watch lists with links to price charts, news and our research.

Internet Bill Pay
With Internet Bill Pay there are no more checks to write, no stamps and no agonizing over late payments. Internet Bill Pay lets clients manage their entire bill paying activities at one time, in one place. Clients simply schedule recurring payments in advance and they're paid automatically each month.

Financial Planning Center

The Financial Planning Center has a variety of complementary search tools, financial planning tools and personal calculators to assist you in defining your investment goals.

Search Tools
Search for stocks, mutual funds and fixed income instruments that match your investment criteria.

Selecting a stock, bond, or mutual fund that suits your investment strategies can be overwhelming. While our Financial Advisors will assist you in this process, using a variety of search tools gives you the opportunity to begin this process yourself.

Retirement Calculators
Retirement calculators such as the Roth vs. Traditional IRA, Retirement Planning Analysis or IRA calculators can help you plan for your retirement and make you feel more comfortable and secure with your retirement plan choices based on your needs.

Funding Your Child's Education
College costs are rising. Are you prepared to fund your child's education? Our Education Funding Analysis can help you to forecast how much you will need to save based on your profile and take you on a virtual tour of over 1,500 colleges and universities. Once you have a better understanding of needs, we recommend that you consider a college savings plan with your Financial Advisor.

Loan and Mortgage Calculator
Use our loan and mortgage calculator to determine the amount you could borrow for your desired purchase or need, compare interest rates and more. To achieve your long-term goals, it is necessary to effectively manage not only your assets, but also your liabilities.

Interactive Charting
Select the security you would like to track and build your own chart with the Interactive Charting tool. Customize your time frame with up to the minute price, percent change, and volume quotes. Compare your chosen stock with major indices (S&P500, DIJA, Nasdaq, Russell 2000) and adjust the moving average to help analyze security performance.

Additional Services

Access can also help reduce some of the paper you receive in the mail each month, the number of passwords you have to remember, and simplify the way you access all your online accounts.

Reduce Mailbox Clutter with E-Delivery
To get started, simply complete the online enrollment form. Designate the accounts you wish to enroll for E-Delivery, then sign and return to your Financial Advisor your authorization for us to stop paper delivery. You can start receiving E-Delivery of your confirms and prospectuses through Access on the next trade day. E-Delivery of your monthly statements will begin with your next scheduled statement mailing. When you receive an electronic record, we'll e-mail you a notification of its arrival along with the Internet link for you to click on to go directly to your document on the Web.

You must have an Access User Name and Password to enroll for E-Delivery. Just register online, follow the instructions and you're done. It's that simple. And, it's free.

Customize your Home Page
As a Smith Barney client, the Access homepage is customizable. Select Quick Start to customize in an instant or Customize on your own. The customized homepage allows you to choose what you want to see when you log on. You can choose to view specific Portfolio screens, research, or news - the choice is yours. Track up to 30 securities by creating a Quick List or chart a stock you have your eye on. Receive news and research on the securities in your Portfolio. Create a variety of content areas to view all in one place.

Pulling It All Together with My Accounts
My Accounts simplifies the way you access all your online accounts, not just your Smith Barney accounts. My Accounts pulls in information from the online accounts at other financial institutions you designate and conveniently displays them on one secure summary page, with a single sign-on ID. No need to remember multiple user names and passwords.

You can access your banking, brokerage and credit card accounts, airline miles and reward programs, shopping and e-mail accounts, all in one place, from any computer connected to the Internet, at no charge to you.

Lending Services
Lending Services provides information about lending products and services as well as focusing on how we can help you get the right loan to meet your needs. Through our affiliate, Citibank, we offer mortgages from Citibank, Citibank home equity lines of credit and business loans. Lending Services is also equipped with calculators. For example, the Borrow vs. Sell Calculator helps clients to determine if they should use their securities as collateral or sell their securities to meet their cash needs. The Access My Needs service helps clients find exactly which borrowing product is best for their personal needs and directs them to the correct program for more information.

Investor Education and Corporate Services

Smith Barney University (SBU)
SB University provides a learning environment where clients are provided with more information about financial concepts and investment vehicles. Our clients can learn at their own speed. By covering topics ranging from our Investment Philosophy to descriptions of various investment vehicles, clients are provided with the basic knowledge necessary to feel even more comfortable discussing their investments with their Financial Advisor or researching investment options on their own. Included in SB University are Smith Barney online seminars that can be taken at your own pace at a time that is convenient for you.

Young Investor's Network
The Smith Barney Young Investor's Network (YIN) can help your child gain the knowledge he or she will need to get a head start in understanding the importance of investing. YIN is designed not only with children in mind, but parents and teachers too. There are three sections: one each for students, parents and teachers. Students are able to learn about saving and the basics of investing as well as participate in our annual stock market contest and build their own cyber portfolio. The winning class gets one Citigroup stock share for each student. We help introduce investment strategies that students should discuss with parents and begin right now to lay the groundwork for pursuing what they want. The parent's section also helps discover great ways to teach your children about saving and investing.

Corporate Client Group
The Corporate Client Group offers expertise and integrated solutions for corporations' financial needs as well as direct access to all of our extensive resources all with a single sign-on. Services include:

	Corporate Retirement Services specializes in 401(k) services, participant education and advice, investment consulting and investment management
	Corporate Trust Company is a provider of sophisticated trustee and custodial services providing comprehensive fiduciary assistance combined with extensive technological capabilities.
	Stock Plan Services offers an integrated family of stock plan services to address corporations' needs. Services include a broad range of administrative and execution services for employee stock purchase plans, employee stock option plans and stock plan consulting.
	Executive Benefits Services is dedicated to assisting corporations with the development of benefit arrangements for senior executives.
	Executive Financial Services specializes in assisting corporate executives and other affluent persons to sell control and restricted securities under the Federal securities laws.
	Online Services include a suite of Internet applications to support corporate benefit plans that offer distinct advantages to both employees and employers.

Register as a guest today to explore the wealth of opportunity available all in one place, when you want it.