SCHEDULE A INVESTMENT ADVISORY AGREEMENT

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                                                                  Exhibit (d)(v)

                                   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

Xxxxxx 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 Government Cash Reserves Fund                    October 20, 1997

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

Schwab Massachusetts Municipal Money Fund               April 21, 2003




                                      THE XXXXXXX XXXXXX FAMILY OF FUNDS

                                      By:  _____________________
                                           Xxxxxxx X. Xxxx,
                                           Senior Vice President
                                           and Chief Investment Officer

                                      XXXXXXX XXXXXX & CO., INC.

                                      By:  _____________________
                                           Xxxxxxx X. Xxxx,
                                           Executive Vice President

Dated as of April 21, 2003