Disclaimer

The information found on The 401k Owners Manual Web Pages has been prepared without regard to any particular investor’s investment objectives, financial situation, and needs. Accordingly, investors should not act on any recommendation (express or implied) or information in this report without obtaining specific advice from their financial advisers and should not rely on information herein as the primary basis for their investment decisions. Information contained herein is based on data obtained from recognized statistical services, issuer reports or communications, or other sources, believed to be reliable. However, such information has not been verified by The 401k Owners Manual and The 401k Owners Manual makes no representations or warranties or takes any responsibility as to the accuracy or completeness of any recommendation or information contained herein. The 401k Owners Manual accepts no liability to the recipient whatsoever whether in contract, in tort, for negligence, or otherwise for any direct or consequential loss of any kind arising out of the use of this document or its contents or of the recipient relying on any such recommendation or information (except insofar as any statutory liability cannot be excluded). Any statements nonfactual in nature constitute only current opinions, which are subject to change without notice. The 401k Owners Manual, or their respective affiliates or their officers, directors, analysts, or employees may have positions in securities or commodities referred to herein, may act as a market maker, and may, as principal or agent, buy and sell such securities or commodities. An employee, analyst, officer or a director of The 401k Owners Manual, or their affiliates may serve as a director for companies mentioned in this report. Neither the information nor any opinion expressed shall constitute an offer to sell or a solicitation or an offer to buy any securities or commodities mentioned herein. This document does not purport to be a complete description of the securities or commodities, market or developments to which reference is made. There may be instances when fundamental, technical, and quantitative opinions may not be in concert. The 401k Owners Manual, or their respective affiliates may from time to time perform investment banking or other services for, or solicit investment banking or other business from, any company mentioned in this report.

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