Exhibit 99.1


                CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


     In  connection  with  the  Quarterly  Report  of  the  The  Charles  Schwab
Corporation  (the Company) on Form 10-Q for the period ended  September 30, 2002
(the Report), I, Charles R. Schwab, Chairman of the Board and Co-Chief Executive
Officer of the Company,  hereby certify,  pursuant to 18 U.S.C. section 1350, as
adopted pursuant to section 906 of the  Sarbanes-Oxley  Act of 2002, that to the
best of my knowledge:

(1)  The Report fully complies with the  requirements  of section 13(a) or 15(d)
     of the Securities Exchange Act of 1934; and

(2)  The information  contained in the Report fairly  presents,  in all material
     respects,  the financial condition and results of operations of the Company
     for the periods presented therein.



/s/ Charles R. Schwab                             Date:    November 12, 2002
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Charles R. Schwab
Chairman of the Board and
Co-Chief Executive Officer