remember 0% initial commission on all funds

Fund Name	Standard Initial Charge	Our Initial Charge*	Initial Commission	Saving on £10,000 investment**	Fund Managers AMC	Morning Star Rating 1	S&P Rating 2	More Info	Buy
Allianz PIMCO Gilt Yield Fund Inc	4%	1%	0%	£300	.5%		A
Henderson UK Gilt Fund	4%	0%	0%	£400	1%		A

Fund Name	Standard Initial Charge	Our Initial Charge*	Initial Commission	Saving on £10,000 investment**	Fund Managers AMC	Morning Star Rating 1	S&P Rating 2	More Info	Buy
F&C Maximum Income Bond	5%	0.5%	0%	£450	1.25%		A
INVESCO PERPETUAL Global Bond Acc	5%	0%	0%	£500	1%		AA
INVESCO PERPETUAL Global Bond Inc	5%	0%	0%	£500	1%		AA
Newton International Bond	4%	0.5%	0%	£350	1%		AAA
Threadneedle European High Yield Bond	3.75%	0.75%	0%	£300	1.25%		AA

Fund Name	Standard Initial Charge	Our Initial Charge*	Initial Commission	Saving on £10,000 investment**	Fund Managers AMC	Morning Star Rating 1	S&P Rating 2	More Info	Buy
F&C Corporate Bond Fund	5%	0.5%	0%	£450	1%		A
Gartmore Corporate Bond Fund Inc	3.5%	0%	0%	£350	1%		A
Henderson Long Dated Credit Fund	4%	0%	0%	£400	1%		A
INVESCO PERPETUAL Corporate Bond Acc	5%	0%	0%	£500	1%		AAA
INVESCO PERPETUAL Corporate Bond Inc	5%	0%	0%	£500	1%		AAA
Legal & General Managed Income Tst R Inc	3%	0%	0%	£300	.75%		A
LeggMason Sterling Corporate Plus Bond	4.25%	0.25%	0%	£400	1.25%		A
M&G Corporate Bond Fund A Acc	3%	0%	0%	£300	1%		AA
M&G Corporate Bond Fund A Inc	3%	0%	0%	£300	1%		AA
M&G Strategic Corporate Bond Fund A Inc	3%	0%	0%	£300	1%		AA
New Star Sterling Bond - Inc	4.25%	0.25%	0%	£400	1.25%		AAA
New Star Sterling Bond - Acc	4.25%	0.25%	0%	£400	1.25%		AAA
Ignis Corporate Bond Fund Inc	4.25%	1.25%	0%	£300	1.1%		A
Standard Life Inv Corporate Bond Inc	4%	0%	0%	£400	.95%		AA
Standard Life Select Income Fund Inc	4%	0%	0%	£400	.95%		A
Threadneedle UK Corporate Bond Fund	3.75%	0.75%	0%	£300	.75%		A

Fund Name	Standard Initial Charge	Our Initial Charge*	Initial Commission	Saving on £10,000 investment**	Fund Managers AMC	Morning Star Rating 1	S&P Rating 2	More Info	Buy
Baillie Gifford Corporate Bond A Acc	5%	2%	0%	£300	1%		AA
Baillie Gifford High Yield Bond A Inc	3.5%	0.5%	0%	£300	1%		AA
F&C Strategic Bond Fund Acc	5%	0.5%	0%	£450	1%		A
F&C Strategic Bond Fund Inc	5%	0.5%	0%	£450	1%		A
Fid FIF Extra Income Fund	3.5%	0.5%	0%	£300	1.25%		A
Henderson Preference & Bond Fund	4%	0%	0%	£400	1.25%		AA
Henderson Strategic Bond Fund	4%	0%	0%	£400	1.25%		AA
INVESCO PERPETUAL Mnthly Income Plus Inc	5%	0%	0%	£500	1.25%		AA
INVESCO PERPETUAL Mnthly Income Plus Acc	5%	0%	0%	£500	1.25%		AA
Investec Monthly High Income Fund Acc	4.5%	1.5%	0%	£300	.95%		A
Investec Monthly High Income Fund Inc	4.5%	1.5%	0%	£300	.95%		A
New Star Extra High Yield Bond	4.25%	0.25%	0%	£400	1.25%		AA
New Star Fixed Interest	4.25%	0.25%	0%	£400	1.25%
Schroder Strategic Bond Acc	3.25%	0%	0%	£325	1%		AA
Schroder Strategic Bond Inc	3.25%	0%	0%	£325	1%		AA
Standard Life Inv Higher Income Acc	4%	0%	0%	£400	.95%		AA
Standard Life Inv Higher Income Inc	4%	0%	0%	£400	.95%		AA
Threadneedle High Yield Bond Fund	3.75%	0.75%	0%	£300	1.25%		AA

* The Initial Charge after 100% of initial commission has been rebated and including any fund manager discounts, if applicable.

** Saving on £10000 investment through SFS Invest Direct. Figures accurate as at 01 November 2008.

¹ 'Morningstar rates investments from one to five stars based on how well they've performed in comparison to similar investments, after adjusting for risk and accounting for all relevant sales charges.' Source Morningstar

² 'Standard and Poor's Fund Services offers qualitative assessment of over 1,300 funds and the highest quality research on investment management capabilities. A team of 45 experienced analysts investigates and monitors long-only equity funds, fixed income funds, funds-of-hedge-funds and absolute return funds. The Fund Services methodology identifies the process, research skills, team strength and group solidity that lies behind the long-term outperformance of leading funds in each market and sector. Those that come through the process successfully carry a rating of quality recognised throughout the investment world.' - Source Standard & Poors

Position in the highly rated funds on the Fundsnetwork platform, October 2008. Based on gross funds placed under management, excluding funds re-registration. (Source Fundsnetwork).