Exchange orders submitted before 3:30PM EST will be traded the same day on a best effort basis. Exchange orders submitted by fax, mail, or via internet after 3:30PM EST will be traded the next business day. The next business day policy is guaranteed only if the mutual fund companies and clearing broker involved settle the trade by the next business day (T+1) or if less than 2,500,000,000 shares are traded on the NASDAQ exchange on the day you place your order or on the day after. If trading volume on the NASDAQ exceeds the limit or the outside parties cannot settle the trade as specified, your order will be processed on a best efforts basis and Slavic will not be responsible for the timing, only the accuracy of your trade. To discourage day trading, if more than 9 trade orders per quarter, there will be a trading fee of $7.50 per fund involved; otherwise your trades will be free. This policy is not effective for John Hancock, Lincoln, or Scudder plans and those participants will continue to make trade requests directly to those companies. The above policy is still subject to the 14 day error notification policy following the mailing of your statement. To receive compensation for any trading error, you must notify Slavic in a timely fashion to allow for correction to minimize damages, if any.