thinkorswim Mutual Fund Families
(Penson Financial Services, Inc.)

Although thinkorswim does not impose any additional charges, some funds may attach a sales load, administrative fees or redemption charges which thinkorswim will pass through to our customers. Please consider carefully the investment objectives, risks, and charges and expenses of any mutual fund before investing. These charges, fees, commissions, and fund objectives and trading as well as other very important information are discussed in detail in the fund's prospectus. You should obtain a recent prospectus and read it carefully before investing. The prospectus is a significant resource for information. To obtain this form and to review additional pertinent information, you should locate and visit the appropriate mutual fund family's website. If you need assistance in locating any information about a fund family in which you may be interested in investing, please feel free to contact thinkorswim.

Non-networked mutual funds, marked 'not on network', are not available for trading electronically through the NSCC (National Securities Clearing Corporation).

BUY ORDERS
If TOS receives your buy order for a non-netwoked fund by 11:30am CST, your trade will be made at the fund's offering price determined after the close of trade the following day; if received after 11:30am CST, your trade will be made at the fund's offering price two days later. By contrast, a networked fund trade received by 2:30pm CST is made at the fund's offering price on the day we receive the order.

SELL ORDERS
If TOS receives your sell order for a non-netwoked fund by 11:30am CST, your trade will be made at the fund's offering price determined after the close of current trading day; if received after 11:30am CST, your trade will be made at the fund's offering price of the following day. By contrast, a networked fund trade received by 2:30pm CST is made at the fund's offering price on the day we receive the order.