SCHEDULE OF ACCOUNT SERVICE CHARGES AS OF AUGUST 18, 2008

Account Services
Incoming Wire Transfers	No Charge
Outgoing Domestic Wires	$25.00
Outgoing International Wires	$45.00
Stop Payment	No Charge
Client Document Research Charge	$15.00 / hour
Dividend Reinvestment
Purchases	No Charge
Liquidations of fractional shares	No Charge
Survivor Option Processing	No Charge
Custody / Safekeeping	No Charge
Non-Standard Custody / Safekeeping	No Charge
Register & Ship	$150.00
Accommodation Transfers	$150.00
Outgoing Direct Registration System Transfers	$25.00
Legal Transfers	No Charge
Worthless Security Processing	No Charge
Restricted Legal Transfers	All Agent Fees
Foreign Security Transfers	All Agent Fees
Rush Requests	All Agent Fees
Physical Bond Redemption	No Charge
Estate Valuations, per Estate	$500.00 Maximum
Prepayment	Margin Interest Rate, $20 minimum
Late Payment1	Margin Interest Rate
Inactive Account Service Charge2	$85.00

Janney Advantage
Account Set-up	No Charge
Checkbook Requests
Personal Checks	No Charge
Reorder of Personal Checks	No Charge
Business Style Checks	$75.00
Reorder of Business Style Checks	$62.50
Overnight Check Order Request	$10.00
Check Copy	$4.00/check
Returned / Insufficient Funds Checks	$25.00
Stop Payment	No Charge
Debit Card Request	No Charge
ATM Transactions3	No Charge
Electronic Funds Transfer
Incoming or Outgoing	No Charge
Returned Incoming or Outgoing	$25.00
Online Bill Payment	No Charge

Retirement Accounts
Traditional IRA, Roth IRA, SEP IRA, Simple IRA
Initial / Annual Fee4	$50.00
Initial / Annual Fee for additional IRAs4	$10.00
Coverdell Education Savings Account
Annual Fee	$25.00

Janney Prototype Qualified Plan Accounts (Profit Sharing, Money Purchase, 401k Plans)
Individual Account Structure
Initial Fee, per plan	$75.00
Initial / Annual Fee    (per participant account up to ten )	$50.00
Initial / Annual Fee    (per participant account after ten )	$5.00
Commingled Account Structure
Initial Set-up Fee	$75.00
Annual Fee	$150.00

Retirement & Janney Prototype Qualified Plan Accounts
Outside Investments5
Set-up Fee	$250.00
Annual Fee	$250.00
Termination	$100.00

Account Transfers
Retirement & Janney Prototype Qualified Plan Accounts
Outgoing Partial Transfer	$15.00
Outgoing Full Transfer	$100.00
Non-Retirement Accounts
Incoming Account Transfer	No Charge
Outgoing Partial Account Transfer	$15.00
Outgoing Full Account Transfer	$100.00

Footnotes

¹ In the event sufficient funds or securities are not received for a trade by Settlement Date, Janney reserves the right to charge interest to the account from Settlement Date until full and final payment is made. The account will be charged an interest rate based upon Janney’s margin interest rate schedule for the balance. The interest rate that may be charged on such cash debit balance is subject to change without prior notice. Please contact your Financial Consultant or view additional information about the interest rate schedule on the Janney website at: http://www.jmsonline.com/jms/disclosure/index.html

² Accounts are excluded based on specific information as of the last business day in November and the twelve months ending on the last business day in November. Accounts that do not meet at least one of the exclusion criteria will be charged $85.00 in December. The following exclusion criteria will apply:

   Accounts generating more than $150 in commissions; Accounts with more than $50,000 in assets; Accounts that are part of a household with more than $100,000 in assets; Accounts with more than $15,000 in mutual fund assets or $15,000 in annuity positions, as reflected on your Janney statement; Accounts holding solely networked mutual fund or annuity positions, as reflected on your Janney statement; Zero balance accounts; Janney Custodial IRAs and Coverdell Education Savings accounts; Uniform Transfers to Minors Act and Uniform Gifts to Minors Act (UTMA/UGMA) accounts; Charitable accounts; Non-Profit accounts; Delivery vs. Payment (DVP) accounts; Janney Wealth Management fee-based accounts; Accounts coded for the Premier Client Program; Janney employee accounts.

³ Janney will not charge clients an ATM transaction fee. However, there may be a transaction fee added by the ATM owner to a withdrawal amount if the transaction is performed at an ATM machine. ATM transaction fees will be credited to your account (foreign transactions excluded).

⁴ Annual Fee for single fund family IRAs and additional IRAs based upon social security number are reduced to $10. Annual Fees are waived for IRAs coded for the Premier Client Program and for IRA accounts that are part of a Janney Wealth Management fee-based program. Janney fee-based programs include:

   Adviser’s, Adviser’s MSP, Classic, Compass, ETF Advantage, Keystone Discretionary, Keystone Non-Discretionary, Parker/Hunter Asset Management (PHAM), Partners Advisory.

⁵ Outside Investments are typically not permitted to be held in Janney Retirement Accounts or Janney Prototype Qualified Plan Accounts and set up requires approval by Janney based upon other criteria.

⁶ For additional information regarding Transfer on Death (TOD) Accounts, please refer to the Terms & Conditions of theTOD form or contact your Financial Consultant.