Exhibit 99.3


                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,  Christopher  V. Dodds,  Executive  Vice  President and Chief
Financial 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/ Christopher V. Dodds                          Date:    November 12, 2002
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Christopher V. Dodds
Executive Vice President and
Chief Financial Officer