FORM OF SCHEDULE A INVESTMENT ADVISORY AGREEMENT

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                                                                    EXHIBIT 5(e)


                               FORM OF SCHEDULE A
                          INVESTMENT ADVISORY AGREEMENT





FUND                                                                        FUND EFFECTIVE DATE
----                                                                        -------------------
                                                                         
Schwab California Municipal Money Fund                                      November 5, 1990
(formerly Schwab California Tax-Exempt Money Fund)

Schwab U.S. Treasury Money Fund                                             November 5, 1991

▇▇▇▇▇▇ Value Advantage Money Fund                                           February 7, 1992

Schwab Institutional Advantage Money Fund                                   November 26, 1993

Schwab Retirement Money Fund                                                November 26, 1993

Schwab New York Municipal Money Fund                                        November 10, 1994
(formerly Schwab New York Tax-Exempt Money Fund)

Schwab New Jersey Municipal Money Fund                                      January 20, 1998

Schwab Pennsylvania Municipal Money Fund                                    January 20, 1998

Schwab Florida Municipal Money Fund                                         February 16, 1998




                                    THE ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ FAMILY OF FUNDS

                                      By:    __________________________________
                                    Name:    ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇
                                    Title:   Executive Vice President and Chief
                                             Operating Officer

                                    ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ & CO., INC.

                                      By:    __________________________________
                                    Name:    ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇
                                    Title:   Senior Vice President