Disclaimer

Disclaimer



Fidelity is pleased to provide you with a financial analysis to help you evaluate your current situation and plan for your future. This analysis is made available to you by Fidelity Brokerage Services LLC ("FBS"), a registered broker-dealer, Fidelity Personal and Workplace Advisors LLC ("FPWA"), a registered investment adviser, or Fidelity Workplace Services LLC (“FWS”), a workplace savings plan recordkeeper, depending on your relationship with Fidelity Investments. FBS, FPWA, and FWS, together with their affiliates, shall be referred to herein as "Fidelity" or "Fidelity Investments.” One or more financial planning topics may be presented based on information you have provided as well as certain assumptions. The results shown are hypothetical and provided for informational purposes only. Other than with respect to assets managed on a discretionary basis through an advisory agreement with Fidelity Personal and Workplace Investments LLC, you are responsible for determining whether, and how, to implement any financial planning recommendations presented, including asset allocation suggestions, and for paying applicable fees. Financial planning does not constitute an offer to sell, a solicitation of any offer to buy, or a recommendation of any security by Fidelity Investments or any third party.

It is important to understand that the accuracy of this analysis is dependent on your providing accurate and complete data. Please inform us if any of your personal information shown is inaccurate. Any changes to your personal circumstances or assumptions that underlie this analysis could materially impact the results shown, and we will not automatically update any analysis to reflect changes in your personal circumstances. Depending on the complexity of the analysis, details regarding the methodology and assumptions that underlie the analysis are included in an Important Information section at the end of the analysis.

The analysis, whether provided online or in a written report, is not a substitute for, and should not be considered, your account statement or official statement of your financial holdings, balances, positions or transactions. In addition, if information regarding accounts held at financial institutions other than Fidelity is included in the analysis, we are not able to verify the accuracy of this information. Unless otherwise indicated, the “as of” date indicated in your analysis generally reflects the date the analysis was generated. If the value of your holdings differs from what is reflected in the analysis, the results shown will be impacted. This may occur for reasons that include transactions pending settlement, holdings valued in foreign currencies, or margin balances associated with non-Fidelity accounts. Valuations of non-securitized real estate, personal property, and other assets other than financial accounts, and liabilities are reflective of information you provided. These valuations will remain static until such time as you update them.

The analysis may include illustrations of cash flows and/or Monte Carlo simulations of the likelihood of meeting planning goals. All projections, simulations and illustrations shown are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary each time the application is run or a report is generated and over time due to software or methodology updates or because of changes in your personal situation or market conditions. Calculations are based on: (i) assumptions believed to be reasonable, and (ii) information provided by you. Numerous factors (such as assumptions regarding rates of return, inflation, taxes, retirement age and life expectancy i.e. longevity risk) make calculations uncertain. If your analysis includes such illustrations, refer to the Important Information section at the end of the analysis for additional information on Monte Carlo analysis.

This analysis should not be considered legal or tax advice. Fidelity Investments does not provide legal or tax advice. Consult your attorney or tax professional, as appropriate, to consider the analysis in light of your particular legal or tax situation.

As with all your investments through Fidelity, you must make your own determination whether an investment is consistent with your investment objectives, risk tolerance, financial situation, and evaluation of the security. Fidelity is not recommending or endorsing any investment by making it available to its customers. Scenarios do not constitute a recommendation or solicitation of any particular investment, strategy, or action and are provided for educational purposes only. You are responsible for your own investment decisions and determining the appropriateness of any investment, and you may accept or reject this analysis. Any investment decision should be based on an investor’s personal circumstances after careful consideration of the benefits and risks of the investment.

Important Information Regarding Retirement Accounts: “Retirement Accounts” include any workplace savings account or individual retirement account subject to the Employee Retirement Income Security Act of 1974, as amended, or the Internal Revenue Code of 1986, as amended. Unless otherwise agreed to by a Fidelity Investments company in writing, the information provided herein with regard to your Retirement Accounts is educational in nature and should not be relied upon as a primary basis for your decisions regarding investing in, purchasing or selling securities or other property for such Retirement Accounts. In applying any asset allocation suggestion to your individual situation, be sure to consider other assets, income and investments (e.g., home equity, savings accounts or other retirement accounts) in addition to your Retirement Account(s).

The analysis is prepared using certain personal information retrieval, management and analytic capabilities (the "Service”) owned and maintained by eMoney Advisor, LLC, a Fidelity Investments company. The Service is also known as "eMoney Advisor" or "Full View®."

Advisory Services are provided by Fidelity Personal and Workplace Advisors LLC, a registered investment adviser. Brokerage services are provided by Fidelity Brokerage Services LLC, a registered broker-dealer. Workplace savings plan record-keeping services are provided by Fidelity Workplace Services LLC. All are Fidelity Investments companies.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

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