BrightScope Disclaimer

Date Last Revised: July 29, 2009

The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of BrightScope, Inc., (2) may not be copied or redistributed, (3) do not constitute investment advice offered by BrightScope, Inc., (4) are provided solely for informational purposes and therefore are not an offer to buy or sell a security, and (5) are not warranted to be correct, complete or accurate. Except as otherwise required by law, BrightScope shall not be responsible for any trading decisions, damages or other losses resulting from, or related to, this information, data, analyses or opinions or their use.

The results offered by the BrightScope Rating and BrightScope Component Ratings (collectively, the BrightScope Rating Engine) are not intended to be investment advice or recommendations regarding how to structure a 401k plan. The projections or other information generated by the BrightScope Rating Engine regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary over time. Plan Sponsors should not rely upon the BrightScope Rating Engine to make decisions regarding the design or structure of their plan. BrightScope is not a fiduciary under ERISA. BrightScope does not provide investment advice to 401k plans. BrightScope does not exercise discretionary authority or control with respect to the management or administration of 401k plans, or the disposition of the assets within a 401k plan. The BrightScope Rating Engine is not a substitute for a thorough plan analysis and the practice of sound fiduciary principles.