PLEASE READ THIS WARNING: Requests for cash transfers, wire instructions, or trade orders should not be considered received until confirmed by phone. To help protect your privacy, we strongly recommend that you avoid sending sensitive information, such as full account numbers and social security numbers, via email. All e-mail sent to or from this address will be received or otherwise recorded by Azzad Asset Management, Inc.'s ("AZZAD") corporate e-mail system. This message is intended only for the use of the person(s) ("intended recipient") to whom it is addressed. It may contain information that is confidential. If you are not the intended recipient, please contact the sender and delete the message without reading it. Any use of this message or any of its content by any person other than the intended recipient is strictly prohibited. Information passed across the Internet via unencrypted email may be intercepted by third parties and may not be secure.

AZZAD only transacts business in states where it is properly registered or notice filed, or excluded or exempted from registration requirements. Follow-up and individualized responses that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as the case may be, will not be made absent compliance with state investment adviser and investment adviser representative registration requirements, or an applicable exemption or exclusion. If you wish to invest in the Azzad Funds, please request and read the funds' prospectus before sending any money. A free copy may be obtained by calling us at 888.350.3369. If you wish to invest in the Ethical Wrap Program, please request and read the wrap's brochure before sending any money. A free copy may be obtained by calling us at 888.862.9923. Prospect clients should also read Azzad's firm disclosure available on part 2A of our ADV. Please call us to obtain your free copy.

The Business Cycle

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