These ISA’s mainly invest in equities (shares) within the North American market place and aim to provide either growth, income or a combination of the two.

ISA Name	Standard Initial Charge (SIC)	Our Initial Charge*	Initial Commission	Saving on £10,200 invested**	Fund Managers AMC	Morning Star Rating1	S&P Rating2	More Info	Buy
Schroder US Smaller Companies Inc	5.25%	2.25 %	0%	£306	1.5%
Scottish Widows American Smaller Cos	5%	0 %	0%	£510	1.5%
SWIP North American Smaller Cos Fund	5%	0 %	0%	£510	1.5%
Threadneedle American Smaller Companies	3.75%	0.75 %	0%	£306	1.5%
F&C US Smaller Companies	5%	0.5 %	0%	£459	1.5%
LeggMason US Smaller Companies	4.25%	0.25 %	0%	£408	1.5%		AA

ISA Name	Standard Initial Charge (SIC)	Our Initial Charge*	Initial Commission	Saving on £10,200 invested**	Fund Managers AMC	Morning Star Rating1	S&P Rating2	More Info	Buy
Martin Currie North American Fund	5%	0.5 %	0%	£459	1.5%
Neptune US Opportunities	5%	0.75 %	0%	£434	1.6%
Prudential North American Trust	4.75%	1.75 %	0%	£306	1.5%
Schroder US Mid Cap Acc	5.25%	0 %	0%	£536	1.5%
Schroder US Mid Cap Inc	5.25%	0 %	0%	£536	1.5%
Scottish Widows American Select Growth	5%	0 %	0%	£510	1.5%
Standard Life American Eqty Unconstraind	4%	0 %	0%	£408	1.5%		A
Allianz RCM US Equity Fund Acc	3%	0 %	0%	£306	1.5%
AXA Rosenberg American Acc	5%	0.25 %	0%	£485	1.5%
Axa Framlington American Growth Fund Acc	5.25%	0.25 %	0%	£510	1.5%
Axa Framlington American Growth Fund Inc	5.25%	0.25 %	0%	£510	1.5%
Newton American	4%	0.5 %	0%	£357	1.5%
Baillie Gifford American Fund A Acc	5%	0 %	0%	£510	1.5%
F&C North American Fund	5%	0.5 %	0%	£459	1.5%
Fid FIF American Fund	3.5%	0.5 %	0%	£306	1.5%		A
Franklin US Equity Fund Acc	4%	0 %	0%	£408	1.5%
Gartmore US Growth Fund	5%	0 %	0%	£510	1.5%
Gartmore US Opportunities	5%	0 %	0%	£510	1.5%
Henderson North American Enhanced Equity	5%	0 %	0%	£510	1.5%
INVESCO PERPETUAL US Eq Benchmark Pl Inc	5%	0 %	0%	£510	1%
Investec American Fund - B	4.5%	1.5 %	0%	£306	1.25%		AA
Investec American Fund	4.5%	0 %	0%	£459	1.5%
JOHCM US Opportunities Fund	5%	0 %	0%	£510	1.25%
JPM US Select A Fund Acc	4.25%	0 %	0%	£434	1.5%
Jupiter North American Income Fund Acc	5.25%	0.25 %	0%	£510	1.5%		A
Jupiter North American Income Fund Inc	5.25%	0.25 %	0%	£510	1.5%		A
Legal & General North American Tst R Acc	5%	2 %	0%	£306	1.5%
Legal & General North American Tst R Inc	5%	2 %	0%	£306	1.5%
M&G American Fund A Acc	4%	0 %	0%	£408	1.5%		AA
M&G American Fund A Inc	4%	0 %	0%	£408	1.5%		AA

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 initial commission has been rebated and including any fund manager discounts, if applicable.

** Saving on £10200 ISA investment through SFS Invest Direct. Figures accurate as at 01 September 2010.

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, August 2010. Based on gross funds placed under management, excluding funds re-registration. (Source Fundsnetwork).