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
First State Global Emerging Markets	4%	4%	0%	£0	1.5%		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
First State Global Resources Fund	4%	0%	0%	£400	1.5%		AA
INVESCO PERPETUAL Latin American Fd Inc	5%	0%	0%	£500	1.5%		A
Investec Global Energy Fund Acc	4.5%	1.5%	0%	£300	1.5%		AAA
JPM Natural Resources Fund	4.25%	0%	0%	£425	1.5%		AA
Jupiter Financial Opportunities Fund	5.25%	0.25%	0%	£500	1.5%		AAA
BlackRock Gold & General Acc	5%	0%	0%	£500	1.75%		AAA
BlackRock Gold & General Inc	5%	0%	0%	£500	1.75%		AAA
New Star Global Financials	5.25%	0.25%	0%	£500	1.5%		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
JPM UK Strategic Equity Income Acc	4.25%	0%	0%	£425	1.5%		AA
JPM UK Strategic Equity Income Inc	4.25%	0%	0%	£425	1.5%		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
Henderson Global Technology	5%	0%	0%	£500	1.5%		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
M&G Global Basics Fund A Acc	4%	0%	0%	£400	1.5%		AA
M&G Global Basics Fund A Inc	4%	0%	0%	£400	1.5%		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
First State Asia Pacific	4%	4%	0%	£0	1.75%		AAA

* 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).