ShareBuilder from ING DIRECT: Pricing & Rates

Service	Description	Rate
Automatic Investments* (Stocks, Mutual Funds, and ETFs)	Invest in Stocks, Mutual Funds and Exchange-Traded Funds (ETFs) on a recurring schedule or when you have the available funds. Subscribe to a ShareBuilder pricing program and reduce the cost of each investment you make in your Automatic Investment Plan. Note: ING Mutual Funds purchased through the Automatic Investment Plan will not incur a transaction charge.¹	Basic: $4 per investment Standard: 6 per month included, $2 each additional Advantage: 20 per month included, $1 each additional
Real-time Trades	If you are looking to buy or sell a stock right away online, you can place a real-time trade. Market orders are typically executed within seconds of being placed (when the market is open).	$9.95 per online trade
Options Trading	Accounts approved for options trading can buy and sell calls or puts or write (sell) covered calls on securities held in the account.	$9.95 per online trade + $1.00 per contract
Mutual Fund Trades	Invest online in ING mutual funds by choosing from twenty funds that cover several categories (e.g. Assets, Sectors) as well as different levels of risk and reward.	No load or transaction fees¹ - online only
Phone Trades	As an added convenience, ShareBuilder accepts phone orders for ShareBuilder-listed stocks, ETFs, and mutual funds. To place a trade with a Customer Service associate, call 1-866-590-7629 anytime between 8:00am and 9:00pm ET, Monday through Friday.	$29.95 Real-time and Mutual Funds trades
Other Services	Express Funding	Real-time trade commission + $5 per trade
	Options - Early Exercise	$30 per early exercise, no trade commission
	Options - Automatic Exercise	$20 per automatic exercise, no trade commission
	Options - Assignment	$20 per assignment, no trade commission

Trading Disclaimer:

Options involve risk and are not suitable for all investors. Before investing in options, please read the Characteristics and Risks of Standardized Options.

Benefits and costs specific to your account can be accessed by clicking on the Accounts tab and selecting pricing programs.

* Automatic investments are recurring or one-time purchases of stock on Tuesdays. All sales of stock are made real-time and are subject to real time commissions.

Large order surcharge: In addition to the base commission, a large order surcharge of $0.015 for each additional share over 1,000 shares will be incurred. The total commission (base commission + surcharge) is subject to a maximum of 2.5 percent of the principal, but no less than the base commission.

Phone Trades: ShareBuilder does not make recommendations and does not offer any investment advice. Customer Service Associates can provide the same security information available to you on the 'Research' tab of our website during the order-taking process if requested. All trades placed by phone are subject to the same terms and conditions as trades placed online.

The Express Funding service costs $5.00 for each real-time trade. Trades placed using express funding have a $5,000 daily limit. Daily is defined as the period of time between the close of business day for ShareBuilder through the close of the next business day. Express Funding is available to individual, joint and custodial account types only.

ShareBuilder reserves the right to add, remove or change brokerage charges as deemed necessary and will attempt to provide fair notice of any adjustments. If you have questions, please contact Customer Service .

1-Early Redemption Policy: To discourage short-term trading, ShareBuilder reserves the right to charge $19.95 on the redemption or exchange of shares of ING Funds that are held less than 90 days, excluding the ING Money Market Fund. This charge is in addition to any applicable charges or expenses addressed in the fund's prospectus.

Program Benefits	Basic	Standard	Advantage
Subscription	None	$12 per month	$20 per month
Automatic Investments*	$4 per investment	6 per month included $2 each additional	20 per month included $1 each additional
Margin Rate Discount	None	0.25% off Basic program rates	0.50% off Basic program rates
Real-time Quotes	Quotes for Real-time and Option trades	Quotes and charts for research and trades	Quotes and charts for research and trades
No-fee IRA
No-fee ESA
No Account Minimum
PortfolioBuilder
Gain & Loss Tracking
Stock Grades
Stock Reports
IPO Priority Notification

Benefits and costs specific to your account can be accessed by clicking on the Accounts tab and selecting pricing programs.

* Automatic investments are recurring or one-time purchases of stock on Tuesdays. All sales of stock are made real-time and are subject to real time commissions.

ShareBuilder reserves the right to add, remove or change brokerage charges as deemed necessary and will attempt to provide fair notice of any adjustments. If you have questions, please contact Customer Service .

Service	Description	Rate
Checking/savings debit transfer	Automatic transfer of funds from a checking or savings account	No charge
Electronic funds withdrawal	Electronic delivery of funds from a ShareBuilder account to your checking or savings account	No charge
Dividend and capital gains reinvestment	Reinvest dividends and capital gains paid by securities	No charge
Account transfer in	Transfer from another broker to a ShareBuilder account	No charge
Full account transfer out	Transfer of all assets in a ShareBuilder account to another firm	$50.00
Partial transfer out	Partial transfer of assets in a ShareBuilder account to another firm	$10.00 per security ($50.00 maximum)
Funds wired in	Wire of funds into a ShareBuilder account	No charge
Funds wired out	Funds wired to you from a ShareBuilder account	$30.00
Check request	A check for funds mailed to you from a ShareBuilder account	$5.00
Stock certificate request (Not all stocks available)	Mailing a physical stock certificate(s) to the name and address on a ShareBuilder account	$75.00
Direct Registration System (DRS)	Effective January 1, 2008, DRS eligible securities may be transferred through DRS for those wishing to maintain direct ownership on the books of the issuer/transfer agent. Find out how to complete a transfer of eligible securities via DRS.	$30.00
Stock certificate re-registration	On your instruction, we change the registration name on a physical stock certificate to the name other than the one on your ShareBuilder account (includes gifts, estates, etc.)	$75.00
Stop payment of check	Stopping of and resending of a check from ShareBuilder, per your instruction, originally sent to the name and address on your ShareBuilder account.	$25.00
Express delivery	By request, we send a document via overnight courier	$25.00
NSF charge for each returned item	Deposits returned due to insufficient funds	$5.00 per returned item
Non collectible deposit	Deposits returned as uncollectible	$5.00 per returned item
Check copy	Check copy requests	$10.00 per copy
Voluntary reorganization	Participation in any voluntary reorganization	$25.00 per issue
Duplicate statements, confirms, tax forms or web capture documents	Requests to have duplicate statements, confirms, tax forms or web capture documents mailed to you	$5.00 per copy
Abandoned Account Handling	Accounts with assets that have not been accessed in 3 years. Why do you have this charge?	$25.00

ShareBuilder reserves the right to add, remove or change brokerage charges as deemed necessary and will attempt to provide fair notice of any adjustments. If you have questions, please contact Customer Service .

ShareBuilder Margin Interest Rates1

The below rates are set by ShareBuilder Securities Corporation with consideration to commercially recognized interest rates, such as the broker's call loan rate, and the competitive marketplace.

Margin Loan Balance	Basic	Standard	Advantage
Less than $10,000	8.00%	7.75%	7.50%
$10,000 - $50,000	7.00%	6.75%	6.50%
$50,001 - $250,000	6.00%	5.75%	5.50%
$250,001 and over	5.00%	4.75%	4.50%

1 - A discount of 0.25% and 0.50% is applied to accounts subscribed to the Standard or Advantage Pricing Program, respectively, compared to accounts subscribed to the Basic program.

Margin interest rates effective 10/30/2008. Rates are subject to change without notice and are applicable to your daily margin loan balance.

Margin trading involves risks and is not suitable for all investors. Before trading securities on margin, you should carefully read ShareBuilder's Margin Account Agreement.