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
SWIP UK Opportunities Fund	5%	0%	0%	£500	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
Baring Equity Income Trust	5%	0.5%	0%	£450	1.25%		A
F&C Stewardship Income Fund Acc	5%	0.5%	0%	£450	1.5%		AA
F&C Stewardship Income Fund Inc	5%	0.5%	0%	£450	1.5%		AA
F&C UK Growth & Income Fund Acc	5%	0.5%	0%	£450	1.5%		A
F&C UK Growth & Income Fund Inc	5%	0.5%	0%	£450	1.5%		A
Henderson UK Equity Income Fund	5%	0%	0%	£500	1.5%		AA
INVESCO PERPETUAL Income & Growth Acc	5%	0%	0%	£500	1.5%		A
INVESCO PERPETUAL Income & Growth Inc	5%	0%	0%	£500	1.5%		A
INVESCO PERPETUAL High Income Acc	5%	0%	0%	£500	1.5%		AAA
INVESCO PERPETUAL High Income Inc	5%	0%	0%	£500	1.5%		AAA
INVESCO PERPETUAL Income Acc	5%	0%	0%	£500	1.5%		AAA
INVESCO PERPETUAL Income Inc	5%	0%	0%	£500	1.5%		AAA
Jupiter Income Trust	5%	0.25%	0%	£475	1.5%		AAA
Lazard UK Income Fund Inc	3.75%	0.5%	0%	£325	1.25%		A
BlackRock UK Income Acc	5%	0%	0%	£500	1.5%		A
BlackRock UK Income Inc	5%	0%	0%	£500	1.5%		A
Newton Higher Income	4%	0%	0%	£400	1.5%		A
Norwich UK Equity Income Fund Cl A	5%	2%	0%	£300	1.5%		A
Rathbone Income Fund Inc	5.5%	1%	0%	£450	1.5%		AA
Schroder Income Acc	5.25%	0%	0%	£525	1.5%		A
Schroder Income Inc	5.25%	0%	0%	£525	1.5%		A
Standard Life Inv UK Equity High Inc 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
Insight Investment Monthly Income Inc	4%	0%	0%	£400	1.5%		AA
Jupiter High Income Fund	5.25%	0.25%	0%	£500	1.5%		AAA
M&G Extra Income Fund A Acc	4%	0%	0%	£400	1.25%		AA
M&G Extra Income Fund A Inc	4%	0%	0%	£400	1.25%		AA
BlackRock Income Portfolio Acc	5%	0%	0%	£500	1.5%		A
BlackRock Income Portfolio Inc	5%	0%	0%	£500	1.5%		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 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).