ISA’s in this category aim to cover a range of financial objectives by investing in various asset classes predominantly within the European market place.

ISA Name	Standard Initial Charge (SIC)	Fund Manager's Initial Charge*	SFS Initial Charge	Saving on £10,680 invested**	Fund Managers AMC	Morning Star Rating1	S&P Rating2	More Info	Buy
BlackRock Continental European Acc	5%	0 %	0%	£534	1.5%		AAA
BlackRock Continental European Inc	5%	0 %	0%	£534	1.5%		AAA
BlackRock European Dynamic Acc	5%	0 %	0%	£534	1.5%		AAA
BlackRock European Dynamic Inc	5%	0 %	0%	£534	1.5%		AAA
Ignis Argonaut Euro Income Inc	5.25%	2.25 %	0%	£320	1.5%		A
Invesco Perpetual Euro Opportunities Inc	5%	0 %	0%	£534	1.5%		A
Invesco Perpetual Euro Opportunities Acc	5%	0 %	0%	£534	1.5%		A
JOHCM Continental European Fund	5%	0 %	0%	£534	1.25%		A
Jupiter European Fund	5%	0.25 %	0%	£507	1.5%		AA
Ignis Argonaut European Alpha Acc	5.25%	2.25 %	0%	£320	1.75%		A
INVESCO PERPETUAL European Equity Inc	5%	0 %	0%	£534	1.5%		AA
Henderson European Selectd Opportunities	5%	0 %	0%	£534	1.5%		AA
GLG Esprit Continental Europe Fund Acc	5.25%	0 %	0%	£561	1.5%		AA

ISA Name	Standard Initial Charge (SIC)	Fund Manager's Initial Charge*	SFS Initial Charge	Saving on £10,680 invested**	Fund Managers AMC	Morning Star Rating1	S&P Rating2	More Info	Buy
Threadneedle Pan Eur Smaller Companies	3.75%	0.75 %	0%	£320	1.5%		AA

ISA Name	Standard Initial Charge (SIC)	Fund Manager's Initial Charge*	SFS Initial Charge	Saving on £10,680 invested**	Fund Managers AMC	Morning Star Rating1	S&P Rating2	More Info	Buy
Virgin Climate Change Fund	3%	0 %	0%	£320	1.75%		A
JOHCM European Select Values Fund	5%	0 %	0%	£534	1.25%		A

INC = The profits from this ISA are provided as a regular income
ACC = The profits from this ISA are re-invested to help your investment grow

In providing this data, Skipton Financial Services (SFS) Limited has used the services of Library Information Services Limited and Fidelity FundsNetwork. Consequently, SFS cannot be held responsible for any inaccuracies contained in any information provided by any third party. All returns and illustrations are based on current tax legislation which is subject to unforeseen change. Past performance is not a guide to future returns

* The Initial Charge after 100% of SFS Initial Charge has been rebated and including any fund manager discounts, if applicable.

** Saving on £10,680 ISA investment through SFS Invest Direct. Figures accurate as at 01 February 2012.

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, January 2012. Based on gross funds placed under management, excluding funds re-registration. (Source Fundsnetwork).