A number of mutual fund companies require PensionTrend to calculate and submit Short Term Redemption Fees on their behalf. Short Term Redemption Fees are meant to discourage abusive trading practices, and are paid directly to the mutual fund companies. The following is a list of funds your plan may offer which charge Short Term Redemption fees. To identify funds in your plan that have Short Term Redemption Fees review your plan’s specific lineup. These fees are only applied to the liquidation of shares held less than a specified period of time, or "holding period." For example, a redemption of shares within the Fidelity Small Cap Stock fund would not trigger a fee if they were purchased more than 90 days prior to the sale. Your account activity may be subject to other fees charged by the mutual fund companies. Please review the fund prospectus for additional information.

Fund Ticker	Fund Name	% Fee	Holding Period
AIIEX	AIM International Growth A	2.00%	30 Days
PCFAX	Allianz CCM Capital App A	2.00%	7 Days
PNVDX	Allianz NFJ Sm Cap Val D	2.00%	7 Days
PSVIX	Allianz NFJ Sm Cap Val I	2.00%	7 Days
PQNAX	Allianz OCC Renaissance A	2.00%	7 Days
PREDX	Allianz OCC Renaissance D	2.00%	7 Days
BREAX	BlackRock Intl Opp	2.00%	30 Days
CFICX	Calvert Income A	2.00%	30 Days
CSIEX	Calvert Soc Inv Equity A	2.00%	30 Days
DEFIX	Delafield	2.00%	90 Days
DRFMX	Dreyfus Prem Emerg A	2.00%	60 Days
UMBIX	Excelsior Value & Restructuring	2.00%	60 Days
FAGNX	Fidelity Advisor Natural Resrs T	0.75%	30 Days
FAGIX	Fidelity Capital & Income	1.00%	90 Days
FDIVX	Fidelity Diversified Int	1.00%	30 Days
FGBLX	Fidelity Global Balanced	1.00%	30 Days
FIGRX	Fidelity International Discovery	1.00%	30 Days
FLPSX	Fidelity Low-Priced Stk	1.50%	90 Days
FSMGX	Fidelity Mid-Cap Growth	0.75%	30 Days
FMCSX	Fidelity Mid-Cap Stock	0.75%	30 Days
FRESX	Fidelity Real Estate Inv	0.75%	90 Days
FDSCX	Fidelity Small Cap Indep	1.50%	90 Days
FSLCX	Fidelity Small Cap Stock	2.00%	90 Days
FUSFX	Fidelity Ultra Short Bond Fund	0.25%	60 Days
SGENX	First Eagle Glbl A	2.00%	90 Days
SGOVX	First Eagle Overseas A	2.00%	90 Days
FPPTX	FPA Capital	2.00%	90 Days
FISAX	Franklin Adj US Gvt Sec A	2.00%	7 Days
FHAIX	Franklin AGE High Income A	2.00%	5 Days
FISCX	Franklin Convert Secs A	2.00%	7 Days
HRTVX	Heartland Value	2.00%	10 Days
JIGRX	Janus Advisor International	2.00%	90 Days
LSCRX	Loomis Sayles SmCpVal Ret	2.00%	60 Days
MUBAX	Munder Balanced CI A	2.00%	30 Days
MUXAX	Munder Index 500 Cl A	2.00%	30 Days
MNNAX	Munder Internet Cl A	2.00%	30 Days
MGOAX	Munder Mid-Cap Core Growth A	2.00%	30 Days
MURAX	Munder Real Est Eq Inv't Cl A	2.00%	30 Days
OAKEX	Oakmark Intl Small Cap I	2.00%	90 Days
PHIYX	PIMCO High-Yield Instl	2.00%	30 Days
RYLPX	Royce Low-Priced Stk Inv	1.00%	180 Days
RYOTX	Royce Micro-Cap Inv	1.00%	180 Days
RYPNX	Royce Opportunity Inv	1.00%	180 Days
SWHGX	Schwab MarketTrack Growth	2.00%	30 Days
SWBGX	Schwab MarketTrack Bal	2.00%	30 Days
SWEGX	Schwab MarketTrack All Equity	2.00%	30 Days
SWCGX	Schwab MarketTrack Conserv	2.00%	30 Days
KTRAX	Scudder Total Return A	2.00%	15 Days
PRMSX	T Rowe Price Emg Markets	2.00%	90 Days
TEMFX	Templeton Foreign A	2.00%	7 Days
TAVIX	Third Avenue Intl Value	2.00%	60 Days
BNGLX	UBS Global Alloc A	1.00%	90 Days
VHCOX	Vanguard Cap Opp	1.00%	365 Days
VGENX	Vanguard Energy	1.00%	365 Days
VWEHX	Vanguard Hi-Yld Corp	1.00%	365 Days
VINEX	Vanguard Intl Explorer	2.00%	60 Days
VASVX	Vanguard Selected Value	1.00%	365 Days
VGTSX	Vanguard Total Itl Stk	2.00%	60 Days