For American Pilots October 2017 Newsletter September 24, 2017

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1 For American Pilots October 2017 Newsletter September 24, 2017 The market continued setting records in September and shrugged off many of the market headwinds we outlined last month. Our current 401k portfolios continue to overweight bonds and cash as we still see many economic growth issues in the 4 th quarter. The great news is that while we ve reduced risk in the model portfolios, they all showed excellent performance during the past month and for all of See the performance updates on page 5 the Aggressive Portfolio (with lower risk than the S&P 500) continues to outperform the Index for both the year and the past 12 months. For the coming month, there are no major changes in the model portfolios although we are moving any cash/money market balances in the Moderate and Conservative Portfolios to the Diversified Bond. Help Hotline: We help new subscribers get started and help current subscribers get back on track or mike@eztracker401k.com Portfolio Update on page 2 Retirement Savings Plan for US Air Pilots Effective December 3, 2017 the Retirement Savings Plan for pilots will be terminated. You must decide before the November 17 deadline about what to do. See the Decision Guide you recently received. To get a copy of the Decision Guide, click here: RSP Decision Guide. You can roll your balance over to the 401k or an IRA and maintain the tax advantaged status of this money. You can also take a cash distribution which will involve paying taxes (and a penalty if you are younger than 59 ½). One option is to roll-over your Retirement Savings Plan to an IRA and use the EZTracker ETF newsletter to manage it. The EZTracker newsletter provides a wider selection of investment alternatives than the American 401k and has eight commission-free portfolios using Fidelity, Vanguard, Schwab and Ameritrade. For a copy of this month s issue, contact@eztracker401k.com or Market News This month we re looking at trends that are starting to build in the market and that could have implications for the EZTracker model portfolios this fall. The Advance/Decline Line. Last month we talked about the advance decline line breaking a nine-month uptrend. As a result, we cut equity assets in favor of cash and bonds. Certainly, the safe decision to preserve gains and protect assets. Over the last month we have seen the market begin to rotate to different sectors. Financials and Energy are making headway. As this rotation begins and as bond yields begin to march higher, we are beginning to rotate back into equity as evidenced in the ETF Portfolios but not yet in the 401k portfolios as this rotation is just beginning. When we see Small Cap and Value assets taking hold we will begin the process of buying these asset classes as part of the 401k portfolios. Tech sector weakness. While the stock market is holding up and continuing to set new record highs, some rotations are going on beneath the surface. One is the rotation out of large cap tech stocks, former market leaders, into cheaper parts of the market like financials, small caps, and transports. Three stocks (Apple, Amazon, Google) account for 60% of the so-called FAANG stocks which had been market leaders. Part of the recent tech selling is tied to the rebound in bond yields and expectations for another rate hike this year. That also explains why investors are buying financials and small caps. The EZTracker ETF Newsletter is buying into the financials this month and waiting for small caps and value stocks to improve. Rising energy prices could boost inflation. A continuation of this trend could encourage a more hawkish Fed and increase the odds for more rate hikes. That wouldn't be good for technology stocks but may explain why energy and financials have been the strongest performers this month -- and why money coming out of techs is moving into undervalued energy and financial stocks. Small Caps benefit from rising rates. Rising bond yields boost financial stocks like banks and insurers. Rising bond yields, however, are also helping boost small cap stocks. Small caps are also one of the beneficiaries of money rotating out of expensive large cap tech stocks and into cheaper stocks. But there's more to it; small stocks are benefiting from the rotation into financial stocks (resulting from higher bond yields). A jump in yields after last November s election coincided with a big jump in small cap relative performance. Declining bond yields since the start of year helped produce relative small cap weakness. This month, however, bond yields and small cap performance are rising together. Help a Friend: Tell your friends about how EZTracker can help them with their 401k. Send us their address and we ll send him or her a copy of this month s newsletter. When they subscribe, we ll add a month to your subscription or contact@eztracker401k.com Continued on page 4 1

2 Model Portfolio Changes Effective September 24, 2017 STEP 1: Update Your Current Portfolio Log on to Fidelity NetBenefits at Portfolios for Pilots. Make sure you have the correct newsletter. Step-by-step directions for updating your portfolio are on the next page. Current Subscribers: 1. Aggressive Portfolio: There are no changes this month in this portfolio. 2. Moderate and Conservative Portfolios: If you have any money in the American Airlines Credit Union, exchange 100% of it for the Diversified Bond Fund. If you do not have any money in the American Airlines Credit Union there is no change this month. 3. Brokerage Portfolio: Use any balance in cash or money market fund (Fidelity Cash Reserves (FDRXX)) and buy equal dollar amounts of Fidelity Latin America (FLATX) and Fidelity Select Financial Services (FIDSX). New Subscribers: Rebalance your 401k using the chart below for the portfolio you want to follow. Rebalance directions on the next page. After you complete the necessary Exchange or Rebalance, copy your confirmation number. EZTracker Model Portfolios Aggressive Moderate Conservative Brokerage Buy* Penalty for early sale. US LG CAP STK IDX 32% 25% 15% 8/28/17 US MID CAP STK IDX 15% 11% 6% 8/28/17 INTL DEV MKTS STOCK 16% 11% 6% 8/28/17 EMERGING MARKETS STK 12% 8% 5% 5% 8/28/17 Stable Value Fund 20% 60% DIVERSIFIED BOND FUND 5% 25% 8% 8/28/17 8/28/17 American Airlines Federal Credit Union 20% 8/28/17 Fidelity 500 Index (FUSVX)** 19% 11/6/15 Fidelity Mid Cap Stock Fund (FMCSX) 11% 4/25/16 Fidelity International Index (FSIVX) 16% 1/3/17 Fidelity Select Technology (FSPTX) 10% 1/31/17 Fidelity Contrafund (FCNTX) 13% 7/31/17 Fidelity Latin American (FLATX) 13% 9/25/ % < 90 days Fidelity Select Financial Services (FIDSX) 13% 9/25/17 *Buy dates are the dates of the most recent purchase. Your buy and sell dates may be different keep track of your dates. **this is the Advantage share class which has a $10,000 minimum. For those with smaller accounts, FUSEX has a $2,500 minimum. Changes in your 401k take place after the close of the market. You will see your newly updated portfolio the next day. Questions? Call American Airlines 401k Service Center at Fidelity at STEP 2: Change Future Investments Aggressive, Trend, Moderate & Conservative Portfolios: This is the money coming out of your paycheck each month and going into your 401k. Your future contributions should be set identical to your Current Investments in the chart above. Brokerage Portfolio: Set Future Investments for 95% to the Brokerage Link and 5% to Emerging Markets Stk. Then continue and set 100% of the Brokerage Link contributions to Fidelity Cash Reserves (FDRXX) Our suggested approach: When adding one new position, add 50% of your cash balance in Fidelity Cash Reserves to the proceeds of the fund you are selling. When adding two or more new positions, add 100% of your cash balance in Fidelity Cash Reserves to the proceeds of the funds you are selling and split the dollar total equally in purchasing the new funds. The EZTracker Brokerage Portfolio is a very aggressive approach for investors who want to invest in a wider range of market sectors. Managing this portfolio will require more time and greater comfort with risk than the other EZTracker portfolios. We suggest this portfolio for more experienced, knowledgeable investors. See the Monthly Fund Data on page 7 for a list of funds in this portfolio. If you are interested in using Fidelity s Self-Directed Brokerage Link, follow the instructions on the Fidelity website to set up your account or call the American representative at Fidelity ( ). 2

3 Detailed Directions Rebalance September 24, 2017 If you are following the Moderate or Conservative Portfolios and have any money in the American Airlines Credit Union make the change below. If you do not have any money in the American Airlines Credit Union there is no change this month. If you are following the Aggressive Portfolio, there is no change this month. 1. Log on to Fidelity NetBenefits at 2. Then select Quick Links. The sixth item down is Change Investments. Click it. (Note: If you do not see Quick Links when you log in see steps A and B below before proceeding) 3. Under Current Investments, you will see A B click on Exchange ONE Investment. 4. Click the Start button in the Choose Investment to SELL box. 5. In the Select column, choose American Airlines Credit Union. 6. In the Amount to Sell % : enter 100%. 7. Click Continue. 8. Click Begin in the Choose Investment to BUY box. 9. Select Diversified Bond. 10. Click Continue. 11. Check the exchange you are making and click Submit this Exchange. 12. Copy your confirmation number. 13. Now update your Future Investments (paycheck and company contributions). 14. Click on the button at the top of the screen. 15. Click on Quick Links. The sixth item down is Change Investments. Click it. 16. Under Future Investments, select Change Investment Elections. 17. At the bottom of the page you will see I ll manage my own. Click on Select Funds. 18. Complete the process by entering the percentages from the chart on page 2 of the portfolio you are following. 19. Complete the procedure and copy your confirmation number. 20. Log Out. Note: If you do not see Quick Links when you log in, follow steps A & B below before proceeding with step 3 A. Click on American Airlines, Inc. in the blue bar on the top left side of the screen B. On the top right side of the screen you will see Display Preferences. Click on it and select List Format Rebalance Directions: For new subscribers or current subscribers who did not make changes last month. Rebalance Directions: 1. Log on to Fidelity NetBenefits at 2. Click on the Quick Links button. The sixth item down is Change Investments. Click it. 3. Click on Exchange multiple investments. 4. Click on Start Your Rebalance 5. In the Desired % column, enter the percentages for the portfolio you want to follow on page Click Begin Rebalance 7. Choose Rebalance my account, one time. Click next. 8. Review & Submit rebalance. Click Submit. 9. Now update your Future Investments. (Pay Check and Company Contributions ) Scroll down to the blue highlighted box at the bottom of the page. Click on Contributions. 10. Scroll to the bottom of the page and in the box labeled Choose your own investments click Select Funds 11. Complete the process by entering the percentages from the chart on page 2 in the Desired % column. Click next. 12. Review & Submit. Click submit. 13. Copy your confirmation number and Log out. All transactions in your 401k take place after the close of the market. You will see your newly updated portfolio the next day. Questions? Call Fidelity and tell them what percentages you want in each fund:

4 Continued from page 1 Value Shares are gaining ground. "Value" stocks have lagged far behind "growth" stocks this year. This is especially true with small caps. But that may be changing. The charts below show the Russell Indices for the major growth and value segments. Growth has been aided by an overweight in technology and healthcare, thus the superior returns YTD. Value with a higher weighting to financials and lower weighting to technology has reversed the pattern in the past month. Value stocks, especially small cap value, are also highly valued by bargain hunters who are looking for opportunities in what may be an overvalued market. Please update your portfolio every month to stay in tune with market movements and rotations % Return September % Return Large Cap Growth Large Cap Value Mid Cap Growth Mid Cap Value Large Cap Growth Large Cap Value Mid Cap Growth Mid Cap Value 5 Small Cap Growth 1 Small Cap Growth 0 Small Cap Value 0 Small Cap Value Watching Bonds A critical sign for the long-run bull market is the low interest rate environment. Even with rate increases that started in December 2015, we re still at historically very low levels. With the frequency of Fed rate increases accelerating, the danger is that investors will sell short-term Treasuries and buy longer-term bonds. Typically, there is a yield advantage for longer term bonds; it s the premium investors demand for holding bonds for a longer-time. The major indicator to watch is the spread between 10-year Treasury Bonds and 2-year Treasury Bonds. In 2014 the spread was over 2.5%, currently it s under 1%. The last two times the yield curve inverted (the two-year yielding more than the 10-year) was in the years 2000 and 2006 before each of the last recessions. It s something we ll be watching closely. Model Portfolios All the model portfolios consist of core holdings representing major market segments plus top performers based on current market conditions. Some market conditions may cause us to deviate from the following percentages. EZTracker Aggressive Portfolio: % invested in equities. This is a high risk/high reward portfolio. EZTracker Moderate Portfolio: 70% invested in equities and 30% invested in bonds, the Credit Union, or the Stable Value Fund. EZTracker Conservative Portfolio: 40% invested in equities and 60% invested in invested in bonds, the Credit Union, or the Stable Value Fund. This is our lowest risk portfolio. EZTracker Brokerage Portfolio: % invested in equities the Brokerage Link and an expanded list of Fidelity mutual funds. This is a high risk/high reward portfolio Which Portfolio is Right for You: Selecting the right portfolio is an individual decision based on your comfort and ability to take risk. Only you can decide. Planning your retirement is more important than ever. Your portfolio choice will vary based on age, income, lifestyle, other investment assets and your tolerance for risk. We believe you can take control of your 401k and plan for the retirement you envision. For help in thinking about your ability and comfort with risk, check out the risk quiz provided by our friends at Friedenthal Financial: Risk Tolerance Quiz. 4

5 Performance Current Performance through September 24, 2017 Portfolio Performance YTD Year EZTracker Aggressive 13.04% 16.97% EZTracker Moderate 9.29% 10.95% EZTracker Conservative 6.11% 7.16% EZTracker Brokerage 11.59% 12.66% Aggressive Target Risk Index 14.85% 16.52% Moderate Target Risk Index 10.32% 10.34% Conservative Target Risk Index 5.53% 3.56% 11.76% 14.93% Morningstar Benchmarks S&P 500 The Morningstar Target Risk Index series serve as benchmarks to help with investment selections. They cover a global set of stocks, bonds and commodities. While not investable indices, they represent challenging benchmarks for long-term investing plans such the EZTracker model portfolios. Historical Performance Any investment strategy should be measured one way: Results over time. Not one-week, one-month, not even one-year. While past performance is not a guarantee of future performance, our record has been excellent in delivering long-term returns. As with any long-term investing strategy, you should not expect dramatic short-term results to offset past losses. The chart to the right and the chart below summarize the performance of the EZTracker model portfolios since we began publishing in Year Total Return EZTracker Model Portfolios 49.03% Conservative 74.80% Moderate % Aggressive % S&P % 20.00% 40.00% 60.00% 80.00% % % Annual % Total Returns* *Total returns including dividends. EZTracker portfolios invest in the best performing funds. Past performance does not guarantee future results. 5

6 Model Portfolio Changes Effective September 24, 2017 US Airways Retirement Savings Plan EZTracker provides four model portfolios, Aggressive, Trend, Moderate and Conservative. Each is designed for different investment needs and styles as well as level of risk. Update Your Current Portfolio Log on to Fidelity NetBenefits at 1. If you are a Current Subscriber: Aggressive, Moderate and Conservative Portfolios: There are no changes for the coming month, 2. New Subscriber or haven t made any changes in the past 90 days: Rebalance your portfolio to match the chart below for the portfolio you want to follow. From the Home page, click Quick Links, then select the sixth item down, Change Investments. Under Current Investments, click on Exchange multiple investments This will take you through the rebalance process After you complete the necessary Exchange or Rebalance, copy your confirmation number. EZTracker Model Portfolios Aggressive Moderate Conservative Buy* Wells Fargo Stable Fund 30% 60% 8/28/17 Spartan 500 Index (FXAIX) 32% 25% 15% 8/28/17 Small Cap Equity 8% 5% 3% 8/28/17 Mid Cap Stock 8% 5% 3% 8/28/17 Emerging Markets 12% 9% 5% 8/28/17 International Equity 15% 11% 5% 8/28/17 Bond Fund 25% 15% 9% 8/28/17 *Buy dates are the dates of the most recent purchase. Previous purchases may have been made. Your buy dates may be different. Subscribers should keep track of his or her own specific transaction dates. Your individual percentages may vary somewhat from those indicated above. Future Investments. Both employer contributions and your contributions (money coming out of your paycheck each month are automatically invested in your 401k account (page 2) and not in the Retirement Savings Plan. Performance Current Performance through September 24, 2017 Portfolio Performance YTD 2017 EZTracker Aggressive 13.47% EZTracker Moderate 10.19% EZTracker Conservative 6.66% Morningstar Benchmarks Aggressive Target Risk 14.85% Moderate Target Risk 10.32% Conservative Target Risk 5.53% S&P % 6

7 Pilots Portfolio Monthly Fund Data The following are the funds in the American pilots 401k plan. The Tracker Average is a weighted average of performance over the past year and is a key factor in selecting funds for inclusion in the Aggressive, Trend, Moderate and Conservative model portfolios. (See the data for the Brokerage model portfolio on the next page.). AA Pilots Fund Total Returns Tracker 1 MO 3 MO 6 MO 12 MO Average Emerging Markets Stock Index 2.49% 10.84% 16.24% 22.85% 28.59% U.S. Large Cap Growth Stock 2.74% 4.86% 17.65% 22.05% 25.80% International Stock Fund 3.06% 6.22% 14.24% 17.78% 22.53% U.S. Large Cap Growth Stock Index 2.67% 3.85% 11.03% 20.42% 20.71% International Developed Markets Stock Index 2.69% 4.87% 11.91% 17.34% 20.08% U.S.Small Cap Growth Stock Index 5.32% 3.14% 10.16% 16.22% 19.00% U.S. Large Cap Value Stock Fund 3.43% 3.01% 6.84% 19.00% 17.61% American Pilot Target Date % 4.31% 9.90% 15.57% 17.57% American Pilot Target Date % 4.22% 9.90% 15.57% 17.53% American Pilot Target Date % 4.22% 9.90% 15.57% 17.53% American Pilot Target Date % 4.23% 9.83% 15.50% 17.47% American Pilot Target Date % 4.22% 9.81% 15.36% 17.37% U.S. Large Cap Stock Index 2.71% 3.30% 7.75% 17.27% 16.93% American Pilot Target Date % 3.91% 9.22% 14.33% 16.23% U.S. Small Cap Value Stock Index 5.13% 3.14% 4.96% 16.11% 16.00% American Pilot Target Date % 3.67% 8.60% 13.16% 14.99% American Pilot Target Date % 3.33% 7.97% 12.08% 13.80% U.S. Mid Cap Stock Index 3.79% 1.94% 4.74% 14.66% 13.71% U.S. Small/Mid Cap Stock Fund 2.65% 1.23% 6.26% 13.98% 13.16% U.S. Large Cap Value Stock Index 2.84% 2.66% 4.40% 13.96% 13.01% American Pilot Target Date % 3.09% 7.35% 11.03% 12.66% American Pilot Target Date % 2.76% 6.56% 9.60% 11.19% High Yield Bond Index 1.04% 1.92% 5.14% 8.57% 9.09% American Pilot Target Date Post-Retirement 1.16% 2.26% 5.50% 7.31% 8.85% Diversified Bond Fund 0.19% 0.75% 2.79% 1.23% 2.71% U.S. Bond Index -0.09% 0.38% 2.53% 0.29% 1.69% Stable Value Fund 0.13% 0.38% 0.77% 1.48% 1.51% Inflation Protected Fund 0.09% 0.47% 1.15% 0.09% 0.99% American Airlines Federal Credit Union 0.07% 0.27% 0.47% 0.81% 0.88% 7

8 Brokerage Portfolio Monthly Fund Data These Fidelity funds are used in the EZTracker Brokerage Portfolio. These make use of the brokerage link in the American Airlines 401k plan. Brokerage Portfolio Fund Fund Total Returns Tracker Ticker Restrictions 1 MO 3 MO 6 MO 12 MO Average Fidelity Latin America FLATX 1.50% < 90 days 8.02% 24.03% 22.87% 26.92% 44.65% Fidelity Select Defense & Aerospace FSDAX 7.12% 12.67% 19.15% 38.10% 42.03% Fidelity Select Technology FSPTX 4.81% 7.62% 22.99% 38.98% 40.59% Fidelity China Region FHKCX 1.50% < 90 days 4.27% 11.25% 21.84% 26.74% 34.97% Fidelity Select Air Transportation FSAIX.75% < 30 days 5.14% 6.38% 15.55% 35.30% 34.02% Fidelity Select Transportation FSRFX.75% < 30 days 7.50% 6.43% 13.26% 28.38% 30.32% Fidelity Select Materials FSDPX 6.75% 9.07% 11.23% 24.06% 27.88% Fidelity Small Cap Growth FCPGX 1.50% < 90 days 5.97% 7.30% 13.64% 23.58% 27.55% Fidelity Select Biotechnology FBIOX 10.67% 7.03% 16.34% 16.27% 27.45% Fidelity Select Banking FSRBX.75% < 30 days 5.02% 3.86% 4.94% 31.07% 24.49% Fidelity Select Financial Services FIDSX 3.70% 5.26% 8.68% 26.98% 24.34% Fidelity Contrafund FCNTX 3.18% 4.45% 13.78% 23.04% 24.25% Fidelity Total Emerging Markets FTEMX 1.50% < 90 days 3.24% 8.77% 13.19% 19.15% 24.19% Fidelity Worldwide FWWFX 3.77% 6.42% 14.96% 18.38% 23.75% Fidelity Pacific Basin FPBFX 1.50% < 90 days 2.65% 5.98% 16.86% 17.37% 23.38% Fidelity International Small Cap FSCOX 2% < 90 days 2.35% 3.92% 16.15% 19.87% 23.08% Fidelity Europe FIEUX 4.50% 4.58% 17.54% 15.43% 22.94% Fidelity Nasdaq Composite Index FNCMX 3.41% 3.24% 11.36% 22.41% 22.05% Fidelity Select Industrials FCYIX 6.31% 4.37% 8.09% 20.68% 21.52% Fidelity International Index FSIVX 3.01% 4.98% 12.28% 18.79% 21.31% Fidelity Large Cap Stock FLCSX 4.37% 4.14% 7.13% 18.70% 18.73% Fidelity Total Market Index FSTVX 3.54% 3.29% 7.81% 17.90% 17.76% Fidelity 500 Index FUSVX 3.15% 3.18% 7.73% 17.97% 17.47% Fidelity Mid Cap Stock Fund FMCSX 3.74% 4.11% 8.05% 15.46% 17.11% Fidelity Select Health Care FSPHX 4.39% 2.27% 12.34% 12.07% 16.95% Fidelity Large Cap Value Enhanced Index FLVEX 3.74% 3.74% 4.89% 16.32% 15.65% Fidelity Japan Index FJPNX 1.50% < 90 days 1.43% 1.94% 10.76% 13.31% 14.97% Fidelity Select Construction & Housing FSHOX.75% < 30 days 4.79% 0.81% 5.55% 16.00% 14.81% Fidelity Mid Cap Enhanced Index FMEIX 3.42% 1.95% 5.14% 15.06% 13.95% Fidelity Select Utilities FSUTX -1.18% 3.92% 8.33% 13.29% 13.29% Fidelity Mid Cap Value Fund FSMVX 2.52% 1.85% 4.14% 14.21% 12.40% Fidelity Small Cap Enhanced Index FCPEX 5.72% 0.51% 2.97% 12.67% 11.93% Fidelity Select Retailing FSRPX 3.84% -0.02% 4.07% 11.09% 10.35% Fidelity High Income Fund SPHIX 1.00% < 90 days 1.30% 2.40% 4.76% 10.12% 10.14% Fidelity New Markets Income FNMIX 1% < 90 days 0.95% 2.68% 5.24% 7.81% 9.10% Fidelity Select Consumer Discretionary FSCPX 1.98% 0.18% 3.88% 9.85% 8.67% Fidelity Convertible Securities FCVSX 1.70% 1.27% 4.47% 8.24% 8.56% Fidelity Select Natural Resources FNARX.75% < 30 days 10.93% 7.94% -3.61% -5.04% 5.58% Fidelity Select Pharmaceuticals FPHAX 4.24% -0.36% 6.57% -0.31% 5.53% Fidelity Select Energy FSENX 11.53% 7.72% -5.04% -4.74% 5.16% Fidelity Corporate Bond FCBFX 0.17% 0.88% 4.29% 3.30% 4.71% Fidelity Select Telecommunications FSTCX 0.19% 1.89% -0.76% 6.41% 4.21% Fidelity Real Estate Investment Portfolio FRESX 0.81% 0.24% 4.98% 0.52% 3.58% Fidelity Global Credit FGBFX -0.33% 0.35% 4.70% 1.04% 3.14% Fidelity Total Bond FTBFX 0.02% 0.73% 2.72% 2.04% 3.01% Fidelity US Bond Index FSITX -0.15% 0.35% 2.48% 0.27% 1.61% Fidelity GNMA FGMNX 0.08% 0.44% 1.61% 0.31% 1.33% Fidelity Inflation Protected Bond Index FSIYX 0.01% 0.64% 0.97% 0.16% 0.97% Fidelity Cash Reserves FDRXX 0.06% 0.17% 0.28% 0.37% 0.48% Fidelity Limited Term Govt FFXSX -0.21% 0.18% 0.80% -0.08% 0.38% Fidelity Long- Term Treasury Bond Index FLBAX -0.60% -0.64% 5.86% -4.81% -0.11% Fidelity Select Consumer Staples FDFAX -1.83% -4.28% -1.48% 4.90% -1.47% Fidelity Select Gold FSAGX 0.38% 3.72% -2.41% % -8.40% 8

9 Questions, Comments, Problems Let us know if you have any questions or suggestions. We re just a click away at contact@eztracker401k.com. Or call (609) For help or questions about rebalancing or fund-to-fund transfers call The information and data contained herein are compiled from sources and procedures believed reliable but accuracy cannot be guaranteed. EZTracker monitors fund performance and publishes a monthly newsletter. The publisher and owners disclaim any and all liability for losses that may be sustained as a result of using the data presented herein. Past performance is no assurance of future results. All investments involve risk. You should invest only after careful examination of fund prospectuses. EZTracker401k is monthly newsletter monitoring the 401k investment alternatives available to employees of American Airlines. Published by EZ Tracker LLC, P.O. Box 388, Haddon Heights, NJ Contact us at contact@eztracker401k.com.eztracker is a publishing company founded to meet the growing demand for expert, reliable, objective information about the 401k choices offered to American Airlines employees. EZTracker is not endorsed by or affiliated with American Airlines or any of its subsidiaries. The goal of EZTracker is to take the guesswork out of 401k choices and to help every employee manage his or her own 401k plan with confidence and in an informed way. EZTracker is not a financial advisor nor is it a financial manager. It is a provider of information about the various funds within the American Airlines 401k retirement plan. By reporting the performance of each fund in a straightforward and easy to understand manner, we hope every employee, from the financial neophyte to the sophisticated investor will make informed choices to best fit their retirement goals and needs. No reproduction of any EZTracker401k information is permitted without the written permission of the publishers. American Airlines is a registered trademark of AMR Corp. EZTracker is not affiliated with or endorsed by American Airlines, Fidelity Investments or any of its subsidiaries. Copyright EZTracker LLC,