Many regional and national publications regularly feature ShareBuilder. Some of these articles may include extended discussions of or make simple references to a number of subjects which must be accompanied by certain disclosures to readers, as required by various securities regulations:

Names of specific securities or opinions of writers — are presented only as part of original content, and should not be considered recommendations or investment advice by ShareBuilder.

Tax tips or comments — are presented only as part of original content, and should not be considered tax advice by ShareBuilder. You should always consult with your personal tax advisor.

Performance data — represents past performance and is not a guarantee of future returns. Experience will always vary with security selection and changing market conditions.

“Dollar cost averaging” — involves continuous investment in securities regardless of fluctuating prices and market conditions. It does not assure a profit or protect against a loss. Individuals should consider their financial ability to continue investing in periods of declining markets.

ETFs (exchange-traded funds) — are normally registered investment companies. Before investing in an ETF, you should carefully consider information contained in the fund’s prospectus, including investment objectives, risks, charges and expenses. You can review or request a particular prospectus via ShareBuilder 401(k)’s Investment Center. Please read it carefully before investing. For your reference, we have a comparison chart that may help you distinguish the differences between ETF/index funds and traditional mutual funds.

Plan/administrator costs and comparisons and service comments — should be researched by readers to ensure they are fully informed before deciding which firm best suits their investing and retirement needs.

Personal experiences of ShareBuilder customers — are reported only for presentation purposes. Individuals’ investment experiences can vary for many reasons. Sharing testimonial comments should not be considered advice or a recommendation by ShareBuilder.