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 Multi Manager Balanced Fund Acc	5%	0.5%	0%	£450	1.25%		AA
F&C Multi Manager Balanced Fund Inc	5%	0.5%	0%	£450	1.25%		AA
Fidelity Portfolio Fund	3.5%	0.5%	0%	£300	1.69%		A
Insight Wealth Builder Balanced Acc	4%	0%	0%	£400	1.5%		A
Insight Wealth Builder Balanced Inc	4%	0%	0%	£400	1.5%		A
INVESCO PERPETUAL World Income Acc	5%	0%	0%	£500	1.5%
INVESCO PERPETUAL World Income Inc	5%	0%	0%	£500	1.5%
Jupiter Merlin Balanced Portfolio Acc	5.25%	0.25%	0%	£500	1.5%		AAA
Jupiter Merlin Balanced Portfolio Inc	5.25%	0.25%	0%	£500	1.5%		AAA
M&G Managed Fund A Acc	4%	0%	0%	£400	1.5%		AA
M&G Managed Fund A Inc	4%	0%	0%	£400	1.5%		AA
New Star Balanced Portfolio A	5%	0.25%	0%	£475	1.5%		A
New Star Managed Portfolio Acc A	5%	0.25%	0%	£475	1.5%		A
New Star Managed Portfolio Inc A	5%	0.25%	0%	£475	1.5%		A
Newton Balanced	4%	0.5%	0%	£350	1.5%		AA
Standard Life Global Advantage Inc R	4%	0%	0%	£400	1.25%		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
Investec Cautious Managed Acc	4.5%	0%	0%	£450	1.25%		AA
Investec Cautious Managed Inc	4.5%	0%	0%	£450	1.25%		AA
Jupiter Merlin Income Portfolio Acc	5.25%	0.25%	0%	£500	1.5%		AAA
Jupiter Merlin Income Portfolio Inc	5.25%	0.25%	0%	£500	1.5%		AAA

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 Multi Manager Growth Fund	5%	0.5%	0%	£450	1.25%		AA
Insight Diversified Dynamic Return Fund	4%	0%	0%	£400	1.5%		A
INVESCO PERPETUAL Wld Grth Portfolio Acc	5%	0%	0%	£500	1.5%
INVESCO PERPETUAL Wld Grth Portfolio Inc	5%	0%	0%	£500	1.5%
Investec Managed Growth Fund	4.5%	1.5%	0%	£300	1.5%		AA
Jupiter Merlin Growth Portfolio Acc	5.25%	0.25%	0%	£500	1.5%		AAA
Jupiter Merlin Growth Portfolio Inc	5.25%	0.25%	0%	£500	1.5%		AAA
M&G Managed Growth Fund A Acc	4%	0%	0%	£400	1.5%		AA
M&G Managed Growth Fund A Inc	4%	0%	0%	£400	1.5%		AA
New Star Active Portfolio	5%	0.25%	0%	£475	1.5%		A
Newton Managed	4%	0.5%	0%	£350	1.5%		AA
Standard Life Inv Managed	5.5%	0%	0%	£550	.95%		A

* 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 January 2009.

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, December 2008. Based on gross funds placed under management, excluding funds re-registration. (Source Fundsnetwork).