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401(k) Fee Schedule

Employer (Plan Sponsor) Fees
Annual Fee $750
plus
0.25% of total year-end plan assets
 
Credit for holding affiliated Mutual Funds
Employers are credited 0.25% of total year-end plan assets held in affiliated mutual funds
 
Employee (Participant) Fees
Enrollment fee None
Account maintenance fee None or 0.25% of total year-end assets†
Affiliated mutual fund trading fees None
Mutual Fund Expenses See below
Loan (if any) annual fee $60
Plan departure fee $60
 
† At Employer's discretion, 0.25% of total year-end assets is charged to either the Employer or the Plan. If charged to the Plan, fees are allocated to individual Employee (Participant) accounts.  
Self-Directed Brokerage Accounts

Trades in Self-Directed Brokerage Accounts are subject to the Saturna Brokerage Services commission schedule. All applicable commissions are paid to Saturna Brokerage Services. Depending on each employee's investment choices, Saturna Brokerage Services may also receive sales charges (loads) and/or 12b-1 fees from non-affiliated mutual funds and Fidelity money market funds.

Mutual Fund Expenses

The following tables describe the fees and expenses mutual fund shareowners may pay. There are no shareowner fees (fees paid directly from an investment). The Funds impose no sales charge (load) on purchases or reinvested dividends, or any deferred sales charge (load) upon redemption. There are no exchange fees or account fees. Investments in mutual funds are subject to ongoing expenses. Saturna endeavors to keep these fees low. We encourage you to compare the following fees with similar fees of other no-load mutual funds:

Shareowner Fees (fees paid directly from your investment)
All Saturna Mutual Funds
Maximum Sales Charge (Load) Imposed on Purchases (as a percentage of offering price): 0%
Maximum Deferred Sales Charge (Load): 0%
Maximum Sales Charge (Load) Imposed on Reinvested Dividends/Distributions: 0%
Early Redemption Fee: 0%
Exchange Fee (between Saturna's affiliated funds): 0%
Maximum Account Fee: 0%

Annual Fund Operating Expenses (expenses deducted from Fund Assets)
Amana Mutual Funds Amana Growth¹ Amana Income¹ Amana Developing World¹
Investor (AMAGX) Institutional (AMIGX) Investor (AMANX) Institutional (AMINX) Investor (AMDWX) Institutional (AMIDX)
Management Fees2 0.80% 0.80% 0.84% 0.84% 0.95% 0.95%
Distribution (12b-1) Fees3 0.25% 0.00% 0.25% 0.00% 0.25% 0.00%
Other Expenses 0.05% 0.07% 0.06% 0.06% 0.39% 0.45%
Total Annual Fund Operating Expenses 1.10% 0.87% 1.15% 0.90% 1.59% 1.40%

Sextant Mutual Funds Growth4 International4 Core4 Global High Income4 Short-Term Bond4 Bond Income4
Management Fees2 0.61% 0.72% 0.57% 0.60% 0.54% 0.72%
Distribution (12b-1) Fees3 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
Other Expenses 0.24% 0.13% 0.50% 0.37% 0.47% 0.39%
Total Annual Fund Operating Expenses 1.10% 1.10% 1.32% 1.22% 1.26% 1.36%
Less Fee Waiver/Expense Reimbursement (0.00)% (0.00)% (0.00)% (0.32)% (0.51)% (0.46)%
Net Annual Operating Expenses 1.10% 1.10% 1.32%5 0.90%5 0.75%5 0.90%5

Dreyfus Money Market Funds Treasury & Agency Cash Management6 Cash Management6 Tax Exempt Cash Management6
Management Fees 0.20% 0.20% 0.20%
Distribution (12b-1) Fees 0.25% 0.25% 0.25%
Other Expenses 0.01% 0.01% 0.02%
Total Annual Fund Operating Expenses 0.46% 0.46% 0.47%

1As of 8/15/2014 (for the fiscal year ending 5/31/2014).

2Paid to Saturna Capital Corporation.

3Paid to Saturna Brokerage Services, Inc.

4As of 3/22/2013 (for the fiscal year ending 11/30/2012).

5The Adviser has voluntarily capped expenses of the Short-Term Bond Fund at 0.75% and the Bond Income and Global High Income Funds at 0.90% through 3/31/2014. Management fees for the Short-Term Bond, Bond Income, and Core Funds are contractually waived when assets are less than $2 million.

6As of 6/1/2013 (for the fiscal year ending 1/31/2013).

An investment in a money-market fund, like the Dreyfus Cash Management Funds, is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Dreyfus Cash Management Funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Funds.

Please consider an investment's objectives, risks, expenses and charges carefully before investing. To obtain a prospectus or summary prospectus that contains this and other important information about these mutual funds, please call 1-800-SATURNA or visit www.saturna.com. Please read the prospectus or summary prospectus carefully before investing.

International investing involves special risks, including political, currency, and regulatory risks. Issuers of high yield securities are generally not as strong financially as those issuing higher quality securities. The Amana Funds limit the securities they purchase to those consistent with Islamic principles, which limits opportunities and may increase risk.

Saturna no-load mutual funds are distributed by Saturna Brokerage Services, Inc., a wholly-owned subsidiary of Saturna Capital. Dreyfus money market mutualfunds are distributed by MBSC Securities Corporation.

A Few Words About Risk

By diversifying its investments, each Fund seeks to reduce the risk of owning only a few securities. Diversification does not assure a profit or protect against a loss in a declining market.

An investment in a money-market fund, like the Dreyfus Cash Management Funds, is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Dreyfus Cash Management Funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Funds.

The Funds (except Sextant Growth, Dreyfus Treasury and Agency Cash Management, and Dreyfus Tax Exempt Cash Management Funds) may invest in non-US companies and in foreign markets. Investing in foreign securities involves risks not typically associated directly with investing in US securities. These risks include fluctuations in exchange rates of foreign currencies; less public information with respect to issuers of securities; less governmental supervision of exchanges, issuers, and brokers; and lack of uniform accounting, auditing, and financial reporting standards. There is also a risk of adverse political, social or diplomatic developments that affect investment in foreign countries.

The Amana Growth and Sextant Growth Funds typically invest in smaller and less seasoned companies than the Income Fund, which may lead to greater variability in the Growth Fund's returns. Growth stocks, which can be priced on future expectations rather than current results, may decline substantially when expectations are not met or general market conditions weaken.

The Sextant Core Fund involves the risks of both equity and debt investing, although it seeks to mitigate these risks by maintaining a widely diversified portfolio that includes domestic stocks, foreign stocks, short and long-term bonds, and money market instruments.

Investment in the Sextant Global High Income Fund entails the risks of both equity and debt securities, although it seeks to mitigate these risks through a widely diversified portfolio that includes foreign and domestic stocks and bonds. Issuers of high-yield securities are generally not as strong financially as those issuing higher quality securities. Investments in high-yield securities can be speculative in nature. High-yield bonds may have low or no ratings, and may be considered "junk bonds."

The risks inherent in the Sextant Short-Term Bond and Sextant Bond Income Funds depend primarily on the terms and quality of the obligations in their portfolios, as well as on bond market conditions. When interest rates rise, bond prices fall. When interest rates fall, bond prices go up. Bonds with longer maturities (such as those held by the Bond Income Fund) usually are more sensitive to interest rate changes than bonds with shorter maturities (such as those held by the Short-Term Bond Fund). The Funds entail credit risk, which is the possibility that a bond will not be able to pay interest or principal when due. If the credit quality of a bond is perceived to decline, investors will demand a higher yield, which means a lower price on that bond to compensate for the higher level of risk.

Islamic principles restrict the Amana Funds' ability to invest in certain stocks and market sectors, such as financial companies and fixed-income securities. This limits opportunities and may increase risk.