Legal Disclaimers

Third party administrative services are provided by JaaFal, Inc., a Pennsylvania corporation, and wholly owned subsidiary of JaaFal, Inc., a Delaware corporation. Investment advisory services to plans are provided by JaaFal Advisors, Inc., a registered investment advisor and wholly owned subsidiary of JaaFal, Inc., the Delaware corporation. A copy of JaaFal Advisors' Form ADV, Part II may be obtained by contacting us through our website. Brokerage services may be provided by and securities are offered through JaaFal Securities, LLC, member, National Association of Securities Dealers, and wholly owned subsidiary of JaaFal, Inc., the Delaware corporation. InvestRight is a service offered by JaaFal and its affiliates.

The services and products described on the Web Site are intended to be made available only to persons and/or entities in the United States and any information contained herein is directed only to such persons and/or entities. Nothing on the Web Site constitutes an offer to sell or solicitation of an offer to purchase any securities products or services in any jurisdiction where their offer, solicitation or sale is not qualified or exempt from registration under applicable securities laws. Due to the nature of the Internet, JaaFal cannot guarantee the accuracy of the information contained on the Web Site, information provided via the Web Site, or its/their suitability for any purpose. It is very important to remember that the planners on the Site, such as InvestRight, represent hypothetical planning tools and are not substitutes for the advice of a qualified legal, accounting or investment advisor. Talk to your investment professional to review in more depth your specific situation and confirm the results of the calculations.

The JaaFal iAdvise Program is offered by JaaFal Advisors, Inc. The JaaFal iSelect Program and the iDirect Program are offered by JaaFal, Inc., with securities offered through JaaFal Securities, LLC. JaaFal, Inc. and/or its affiliates do not retain any fund-related reimbursements for any of its investment advisory programs. JaaFal may receive the equivalent of mutual fund revenue-sharing for JaaFal iSelect Program rather than asset-based fees assessed to the plan. JaaFal may also receive the equivalent of mutual fund revenue sharing for its iDirect Program; however, only that amount over and above what is used to offset plan costs.

The relationship of JaaFal Advisors, Inc. as co-fiduciary to a plan is governed by the terms and provisions of the agreement executed by JaaFal Advisors and the plan.

JaaFal and its affiliates do not provide legal or tax advice. Neither JaaFal nor its affiliates or suppliers assesses for you or any particular investor the suitability of any particular investment, absent an express written agreement indicating otherwise. JaaFal does not assess for you or any particular investor the potential value of any particular investment or the suitability of any source of or content in the investment information provided on the web site or to which the web site links or any other information or data, absent an express written agreement indicating otherwise. You should consult with your legal, tax and financial advisors prior to executing any plan document or making any decision with legal, tax or financial consequences.

Online investment advisory services to participants may be provided by Morningstar Associates, LLC, through its proprietary online tool, Morningstar ClearFutureSM. Morningstar Associates is a registered investment advisor and subsidiary of Morningstar, Inc. Copyright © 2002, Morningstar Associates, LLC. All rights reserved. ClearFuture, Jake Starlight and Maggie Design are servicemarks of Morningstar Associates, LLC. Morningstar, the Morningstar logo and the Morningstar.com logo are trademarks of Morningstar, Inc. JaaFal does not guarantee the accuracy, adequacy, completeness or availability of any information provided by Morningstar or Morningstar Associates or through ClearFuture and is not responsible for any errors or omissions or for the results obtained from the use of such information. JaaFal is not responsible for any damages or losses arising from any use of this information.

Please refer to JaaFal's Terms of Service Agreement for additional important legal information concerning the use of this Web Site.