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    <explntrNotes>
      <explntrNote note="Monthly returns presented in Item B.5(a) have been calculated without deducting any applicable sales loads or redemption fees. The fund does not have sales loads or redemption fees." noteItem="B.5.a"/>
    </explntrNotes>
    <signature>
      <ncom:dateSigned>2025-04-25</ncom:dateSigned>
      <ncom:nameOfApplicant>SCHWAB ANNUITY PORTFOLIOS</ncom:nameOfApplicant>
      <ncom:signature>Dana Smith</ncom:signature>
      <ncom:signerName>Dana Smith</ncom:signerName>
      <ncom:title>CFO</ncom:title>
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