Important Consumer Disclosure

My401kPro's web site is limited to the dissemination of general investment-related information together with possible access to additional publications and links. Accordingly, the publication of My401kPro's web site on the Internet should not be construed by any prospective or existing subscriber as a solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation over the Internet.

Subscribers are solely responsible for choosing investments for their accounts based on their own risk tolerance and general circumstances. My401kPro's web site provides subscribers with information only to assist them in determining their own risk tolerance and general investment circumstances. My401kPro's web site rates the risk levels of mutual funds offered by subscribers' investment plans as "High," "Above Average," "Average", "Below Average" or "Low" based on the volatility of the fund as measured by the fund's average daily price movement over the past 5 years; or where 5 years of data do not exist, the average daily price movement is calculated for the number of years that the fund has been in existence. The risk ratings of international, small cap and sector funds may additionally be increased based on risks associated with investing in those markets or styles.

My401kPro does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to My401kPro's web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Past performance may not be indicative of future results. Therefore, no prospective or existing subscriber should assume that future performance of any specific investment or investment strategy, including the investments and/or investment strategies made reference to directly or indirectly by My401kPro in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal any historical performance level(s).

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be suitable for a prospective or existing subscriber's investment portfolio.

Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.

Certain portions of My401kPro's web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no prospective or existing subscriber should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from an investment professional.

To the extent that any prospective or existing subscriber uses any economic calculator or similar device contained within or linked to My401kPro's web site, the prospective or existing subscriber acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from an investment professional.

My401kPro is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Be aware that neither My401kPro nor its advisor nor principals are responsible for any redemption fees incurred upon the sale of any mutual fund involved in any way whatsoever with subscribers' investment accounts. As it is impossible for My401kPro to oversee the redemption fee regulations of the many funds within its subscribers' investment accounts, that responsibility is left up to the subscriber.

My401kPro does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness or relevance of any information prepared by any unaffiliated third party, whether linked to My401kPro's web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Each prospective or existing subscriber agrees, as a condition precedent to his/her/its access to My401kPro's web site, to release and hold harmless My401kPro, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of access to My401kPro.

The Advisor To My401kPro.com
The analysis of market conditions and the analysis of the 401k plan investment options are prepared by J Lyons Fund Management, Inc, (JLFMI). JLFMI is an Illinois Registered Investment Advisor founded in 1985 for the sole purpose of managing portfolios of mutual funds.

Direct Management of Accounts
In addition to serving as the investment advisor for My401kPro, J. Lyons Fund Management, Inc. also provides discretionary investment management. Under their Advisor Managed Service, J. Lyons Fund Management, Inc., a Registered Investment Advisory firm, provides management of most types of investment growth accounts, including taxable accounts as well as 401(k) and other retirement accounts. They can also facilitate rollovers of 401(k)'s or other retirement accounts for their subsequent management. If you would like more information regarding the Advisor Managed Service, please Contact Us.

Privacy Policy
All information gathered in the subscription process relative to My401kPro will be for the exclusive use of My401kPro. None of it will be ever disclosed to any third party except to the extent it is required to process your credit card payment or as listed below.

• J Lyons Fund Management, Inc., our affiliated service provider, if you request its services
• Government agencies and law enforcement officials, as required by law (for example, for tax reporting or under court order)
• Other organizations with your consent or as directed by your representative