FEES AND CHARGES

1. SALES LOAD (FRONT-END FEE)

A. For Save and Learn Equity, Balanced and Fixed Income Fund, please see bracket of investment amounts and applicable sales load fee:

AMOUNT	SALES LOAD FEE
Php5,000.00 > Php100,000.00	2.00%
Php100,000.00 > Php500,000.00	1.50%
Php500,000.00 > Php2,000,000.00	1.00%
Php2,000,000.00 and above	0.50%

B. For Save and Learn Money Market Fund, please see bracket of investment amounts and applicable sales load fee:

AMOUNT	SALES LOAD FEE
Php5,000.00 > Php100,000.00	1.00%
Php100,000.00 > Php300,000.00	0.50%
Php300,000.00 and above	Waived = 0.00%

2. REDEMPTION OR EXIT FEE

*For Save and Learn Equity, Balanced and Fixed Income Fund, redemption or exit fee is applicable if redemption or withdrawal is made within the first six months or 180-days of investment. Redemption or withdrawal made beyond six months or 180-days, redemption or exit fee is waived.

*For Save and Learn Money Market Fund, redemption or exit fee is applicable if redemption or withdrawal is made within the first month or 30-days of investment. Redemption or withdrawal made beyond one month or 30-days, redemption or exit fee is waived.

3. MANAGEMENT FEE

*For Save and Learn Equity, Balanced and Fixed Income Fund, management fee is equivalent to 1.75% per anum.

*For Save and Learn Money Market Fund, management fee is equivalent to 1.00% per anum.

Note: Management fee is already net upon computation of the daily Net Asset Value Per Share (NAVPS).