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. ‡ Shares of Saturna's affiliated mutual funds held less than 90 calendar days are subject to a 2% early redemption fee.

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 (applied to shares held less than 90 calendar days):					2%
Exchange Fee (between Saturna's affiliated funds):					0%
Maximum Account Fee:					0%

Annual Fund Operating Expenses (expenses deducted from Fund Assets)
Amana Funds \| Fidelity Mutual Funds	Amana Growth¹	Amana Income¹	Amana Developing World¹	Fidelity Treasury Fund²	Fidelity Prime Fund²
Management Fees	0.92%³	0.94%³	0.95%³	0.25%	0.25%
Distribution (12b-1) Fees	0.25%⁴	0.25%⁴	0.25%⁴	0.25%	0.25%
Other Expenses	0.14%	0.14%	0.14%	0.25%	0.27%
Total Annual Fund Operating Expenses	1.31%	1.33%	1.34%	0.75%	0.77%

Sextant Mutual Funds	Growth⁵	International⁵	Core⁵	Short-Term Bond⁵	Bond Income⁵
Management Fees	0.65%³	0.85%³	0.75%³	0.79%³	0.66%³
Distribution (12b-1) Fees	0.25%⁴	0.25%⁴	0.25%⁴	0.25%⁴	0.25%⁴
Other Expenses	0.35%	0.33%	0.54%	0.56%	0.54%
Total Annual Fund Operating Expenses	1.25%	1.43%	1.54%	1.60%	1.45%
Less Fee Waiver/Expense Reimbursement	(0.00)%	(0.00)%	(0.00)%	(0.83)%	(0.54)%
Net Annual Operating Expenses	1.25%	1.43%	1.54%	0.77%⁶	0.91%⁶

¹As of 9/28/2009 (for the fiscal year ending May 31, 2009).

²As of 12/31/2009 (for the fiscal year ending 10/31/2009).

³Paid to Saturna Capital Corporation.

⁴Paid to Saturna Brokerage Services, Inc.

⁵As of 3/27/2009 (for the fiscal year ending November 30, 2008).

⁶The Adviser has voluntarily capped expenses of the Short-Term Bond Fund at 0.75% and expenses of the Bond Income Fund at 0.90% through 3/31/2010. Management fees for both Bond funds are contractually waived when assets are less than $2 million.

Saturna no-load mutual funds and Fidelity money-market mutual funds are distributed by Saturna Brokerage Services, Inc., a wholly-owned subsidiary of Saturna Capital. Please consider an investment's objectives, risks, expenses and charges carefully before investing. To obtain prospectuses that contain this and other important information about these mutual funds, please call 1-800-SATURNA or visit each fund's individual page by following the links above. Please read the prospectuses carefully before investing.

A Few Words About Risk

The value of Fund shares rises and falls as the value of the securities in a Fund invests goes up and down. Only consider investing in the Funds if you are willing to accept the risk that you may lose money. Fund share prices, yields and total returns will change with the fluctuations in the securities markets as well as the fortunes of the industries and companies in which the Funds invest.

The Amana Funds limit the securities they purchase to those consistent with Islamic principles which limits opportunities and may increase risk.

Growth funds may invest in smaller companies, which involve higher investment risks in that they often have limited product lines, markets and resources, or their securities may trade less frequently and have greater price fluctuation than those of larger companies. 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.

International investing involves additional risks not typically associated with investing in U.S. securities such as currency exchange rates, less public information about securities, less government market supervision and lack of uniform financial, social and political standards.

The risks inherent in the bond Funds depend primarily on the terms and quality of 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 are usually more sensitive to interest rate changes than those with shorter maturities. These Funds also entail credit risk, which is the possibility that a bond issuer will not be able to pay interest or principal when it is due.