MLK Capital Management, Inc. (MLKCM) is a registered investment advisor (federal and state). MLKCM may only transact business or render personalized investment advice in those states and international jurisdictions where it is registered/filed notice or otherwise excluded or exempted from registration requirements. The purpose of this web site is for information distribution on products and services. Any communications with prospective clients residing in states or international jurisdictions where MLKCM and its advisory affiliates or registered representatives are not registered or licensed shall be limited so as not to trigger registration or licensing requirements.

Please read our ADV Brochure.

Privacy Policy

We at MLK Capital Management respect your financial privacy. In the course of our business relationship with you, we collect information about you that is necessary to provide you with our products and services. We treat this information as confidential and recognize the importance of protecting it. This notice is being provided to you pursuant to law so that you will know our policy regarding the information we collect. We value your confidence.

How and Why We Obtain Personal Information

We collect and maintain personal information about you to provide you with the products or services you request and to service your account, respond to inquires from you or your representative or to fulfill legal and regulatory requirement. We may collect nonpublic personal information about you from any of the following sources:

• From you or your representative on applications or forms (for example, name, address, Social Security number, birth date, assets, and income)
• From transactional activity in your account (for example, trading history and balances)
• From other interactions with us (for example, discussions with our customer service staff)

How We Protect Your Information

To insure your privacy, we employ extensive information protection controls in keeping with industry standards and practices, and we regularly adapt these physical, electronic, and procedural controls to respond to changing requirements and advances in technology. For example, we make extensive use of firewall barriers, encryption techniques and authentication procedures. Within MLK Capital Management, we restrict access to information to those who require that access in order to provide services to you. We may share the personal information that we collect about you with the following entities:

• M.L. Kerns & Associates, LLC, 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

We do not otherwise disclose any nonpublic personal information about you to anyone.

If you decide to close your account or are a former customer, your information is treated in the same manner as the information of current customers.

Website Security Policies

401k-Investment-Advice.com Website Registration

In order to use our 401k-Investment-Advice.com website, a user must first complete the registration form. During registration a user is required to give their contact information (such as name and email address). This information is used to contact the user about the services on our site for which they have expressed interest. MLK Capital Management uses social security numbers as an unique identifier to associate the user with his/her 401k plan.

401k-Investment-Advice.com Website Cookies

A cookie is a piece of data stored on the user's hard drive containing information about the user. For instance, by setting a cookie on our site, the user would not have to log in a password more than once, thereby saving time while on our site. If a user rejects the cookie, the site will not be able to recognize their identity from page to page, and therefore won't allow them to access the private areas of the site. To cancel the cookie, the user simply has to follow the logout link, or exit their browser software. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.

401k-Investment-Advice.com Website Links

401k-Investment-Advice.com contains links to other sites. MLK Capital Management, Inc. is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this website.

Offline Sensitive Information

We do everything in our power to protect user-information off-line. All of our users' information, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personally identifiable information. Our employees must use password-protected screen-savers when they leave their desk. When they return, they must re-enter their password to re-gain access to your information. Finally, the servers that we store personally identifiable information on are kept in a secure environment.