FEES

Annual Record Keeping Fees:¹
Conversion Fee:	No charge
Plan Administration Base Fee:²	$2,250 per plan year
Participant Fee:²	$20 per year
Non-Discretionary Trustee Services:⁴	$750
Non-Discrimination Testing:⁵	Included
Signature-Ready Form 5500⁶	Included
Loan Set-up Fee	$50 per loan
Annual Loan Maintenance Fee	$20 per year per loan
Distribution Fee	Included
Payroll Processing Fee	Included: 52 payrolls per year
Calculating Annual Employer Contributions	$125 per hour with $250 minimum fee
Annual Plan Administration Asset Based Fee:³
Plan Assets	Annual Fee
$500,00 to $999,999	0.40%
$1,000,000 to $1,999,999	0.25%
$2,000,000 to $2,999,999	0.15%

An additional annual service fee will be charged depending on the service agreement established between the plan and the financial professional. Please contact you financial professional for additional details.

Mutual funds are sold by prospectus. Please consider the investment objectives, risk, charges and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by calling your financial advisor. Read it carefully before you invest.

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06/05

¹ 50% of the investment offerings must be Evergreen funds. Evergreen Investment Management Company, LLC is a subsidiary of Wachovia Corporation and a separate affiliate of Wachovia Securities.

² Waived for plans with participant average account balance of $40,000 or more.

³ Asset fees are for recordkeeping, account administrative and consulting/support services and not for investment management or investment advisory services.

⁴ If assets leave during the first 12 months, the plan will experience a deferred sales chare of 0.50% on the assets.

⁵ The Annual Plan Administration Base Fee will be reduced by $500 for safe harbor plans.

⁶ The Annual Plan Administration Base Fee will be reduced by $250 if Wachovia does not prepare the form 5500.

Wachovia Securities is the trade name used by two separate, registered broker-dealers and non-bank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA /SIPC.

Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency; May Lose Value; Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate