Welcome to

FidelityExecutiveServicesSM

Questions? Call 800.823.0217.

Fidelity Brokerage Services LLC, Member NYSE and SIPC, 900 Salem Street, Smithfield, RI 02917© 2014 FMR LLC. All rights reserved.

461046.7.0 1.844632.106

Welcome to our highest level of stock plan service.

At Fidelity, we know that as an executive, your stock plan represents

a significant portion of your compensation. That’s why Fidelity Executive

Services dedicates an entire team to helping you make the most it.

From wealth management to tax planning, our experienced professionals

are here to assist you with all your stock plan needs.

Help with the management of control and restricted sharesIf you are a control person, as defined under the

securities laws, or receive restricted company shares

through your stock plan, we’ll help make sure your

trades meet the appropriate requirements within

the required time frames.

• In executing your control stock sell orders, your

Executive Services team will help ensure that your

trades comply with all aspects of Rule 144,

including the completion and filing of the appro-

priate forms.

• In addition, we’ll help ensure successful sales of

your restricted shares with a complete process

that includes verifying if shares are restricted and

which restrictions apply, completing the necessary

documentation, requesting issuer legal approval,

placing your trades, and ensuring you receive

your proceeds in a timely fashion.

Placement of complex tradesTo help minimize the impact of your personal

transactions on your company’s stock price, we offer

consultation about, coordination for, and execution

of your large trades. Leveraging a combination of

trading skill, market intelligence, and investment

community relationships, Fidelity Capital Markets

Services traders seek to buy or sell large blocks of

stock invisibly and with as little impact on market

prices as possible. You can count on Fidelity Capital

Markets to help you achieve the best execution of

your large block trades.

Skilled assistance with trading company sharesYour Fidelity Executive ServicesSM team helps you deal swiftly and accurately with the sensitive and sometimes complicated issues you may face in trading company shares.

Fidelity Capital Markets is a division of National Financial Services LLC, Member NYSE, SIPC.

Fidelity Stock Plan Services, LLC

Fidelity Brokerage Services, Member NYSE, SIPC

© 2014 FMR LLC. All rights reserved.

1.850108.106 461008.7.0

Executive Trading Services

A trading plan helps mitigate “insider trading” issues.This Securities and Exchange Commission rule may

give you “safe harbor” by allowing you to continue

trading company shares, including stock options

(even during trading blackout periods), while

avoiding insider-trading liability. The key is to

establish a predetermined trading plan (or, more

specifically, a 10b5-1 trading plan), which is easily

done with the help of the 10b5-1 professionals at

Fidelity Executive Services.SM

What a 10b5-1 trading plan can do for you.Your predetermined trading plan allows you to sell

or buy company stock according to a schedule you

establish up front, even at times when other trading

would be impermissible, while minimizing the risk

of violating insider-trading laws. This results in

several very important benefits.

A thoughtfully designed 10b5-1 trading plan helps you:• Keep your long-term investment strategy, and

larger financial plan, on track by helping you avoid

interruptions and insider-trading risks.

• Keep your portfolio diversified by avoiding too

large a concentration of company shares.

• Provide predictable cash flow for your individual

goals.

• Adopt a strategy for stock option exercises, which

is particularly useful in exercising expiring options.

Trading plans for company insidersDon’t let insider status keep you from having an investment strategy. While you may be considered an insider when it comes to trading your company stock, your status shouldn’t prevent you from pursuing your long-term investing goals. Thanks to Rule 10b5-1, it doesn’t have to.

Action Plan• Decide how company stock trades fit into your

larger investment strategy.

• Establish a plan for predetermined trading activity.

• Talk to a Fidelity Executive ServicesSM

Representative about getting started today.

Continued >

10b5-1 Trading Plans

Fidelity Stock Plan Services, LLC.

Fidelity Brokerage Services LLC, Member NYSE, SIPC

900 Salem Street, Smithfield, RI 02917

451799.7.0 1.844640.108

What you need to do.First, think about your larger investment strategy

and how your company stock trades fit into it. Then

determine an appropriate trading plan to fit your

investment strategy — including dates, number of

shares, and target price range — for future sales or

purchases of company shares and the exercise of

company stock options. Once you establish your

10b5-1 trading plan, Fidelity will execute your

trades according to your formula.

Let Fidelity Executive Services help.Fidelity provides you ready access to a team of

experienced and dedicated 10b5-1 professionals,

ensuring that you receive all the support you need

to establish and execute your 10b5-1 trading plan.

If you prefer, we can discuss your objectives and

help you formulate a trading plan to help meet

them.

What to keep in mind.A preestablished, written 10b5-1 trading plan helps

you create an affirmative defense against insider-

trading liability under federal securities laws.

Fidelity’s procedures are designed to help maximize

these protections. In order to offer this protection,

your 10b5-1 plan may only be established — or

modified — during a period when trading is

allowable for insiders (an open window), and when

you’re not in possession of material nonpublic

information.

If your plan allows, you may be able to modify your

plan, but any plan modification requires the

approval of your company counsel. You may also

cancel your plan at any time. All these actions must

be accepted as being “in good order” by Fidelity.

Various types of trading instructions are available,

including good-till-canceled (GTC) orders lasting

up to one year. We’ll tell you about all your options.

Executed according to plan.For a 10b5-1 trading plan to protect you from

insider-trading liability, trades must be executed

according to the formula set down in your plan, and

without your involvement in future investment

decisions with respect to the trading instructions set

forth in that plan.

For example, a typical formula could direct Fidelity

to make trades filtered through the following criteria:

• Order Type: Sell long shares

• Quantity: 1,000 shares

• Type of Order: Market

• Date: First trading day of each month

How to get started.Contact Fidelity Stock Plan Services to speak with

an experienced 10b5-1 trading plan specialist.

Call 800.823.0217, weekdays from 8:00 a.m. to

4:30 p.m. Eastern time.

Financial strategies for now and into retirementFidelity’s full suite of wealth management services

and investment options includes:

• Guidance, tools, products, and ongoing support

to help you effectively develop your accumulated

wealth and convert it into a reliable source of

retirement income.

• Diversification, life insurance planning, and other

strategies to help offset the risks associated with

a concentrated investment in company shares.

• Estate planning support that ranges from online

organizers to trust and inheritor services.

Stock option investment analysisYour team can help you understand the potential

value of the stock options you have been awarded,

and work with you to develop a strategy to help you

meet your goals. Prepared for you by your Executive

Services team, your personalized analysis provides a

detailed look at:

• The value of each grant of your stock options

today, and the potential values using Black-

Scholes calculations.

Connecting stock plan success to your broader financial goalsAs a stock plan participant, your strategy may call for leveraging the substantial assets your stock plan can generate, integrating your stock plan assets into your total portfolio, and, of course, using your wealth to help pursue your most important goals. By providing a link to Fidelity’s wealth management products, tools, and services, Fidelity Executive ServicesSM helps make accomplishing all this seamless for you.

Continued >

Wealth Management Services

• Your portfolio’s risk/reward profile — specifically,

the value and leverage potential of your options

as the stock price increases or decreases.

• The events and ratios you can use to monitor your

option portfolios, so you can take timely action.

Fidelity Portfolio Advisory Service®1

Executives who establish a managed account with

Portfolio Advisory Services (PAS) receive a

comprehensive strategy to meet your investing needs.

In addition to having your assets overseen by highly

skilled, dedicated money managers, you benefit from

a disciplined, risk-appropriate investment approach,

robust research capabilities, and dedicated customer

service. A Fidelity managed account can help you

manage risk, mitigate complexity, avoid a number

of investing pitfalls, and better maximize return

potential in order to increase the likelihood of

reaching your financial goals. Each of our portfolios

is developed and managed by Fidelity’s Strategic

Advisers, Inc., a registered investment adviser and

a Fidelity Investments company. Our managed

accounts include:

Fidelity® Personalized Portfolios: Offers professional

money management to those who have complex

portfolios and are concerned with taxes. Your

personalized portfolio will be constructed

according to your goals and preferences, including

the ability to include or exclude certain investments

or asset classes. The investment managers will also

seek to enhance your after-tax performance by

utilizing a number of tax-sensitive investment

management strategies throughout the year.

Fidelity Portfolio Advisory Service®: Offers a long-

term asset allocation investment strategy and a

thoughtfully constructed model portfolio (ranging

from conservative to aggressive) that is aligned to

your specific investment objectives, risk tolerance,

and time frame.

Fidelity Private Client Group® 2

When your total account reaches $1 million or more,

your Executive Services team may introduce you to

the Fidelity Private Client Group® program. Private

Client Group is reserved for top-tier clients, with

support provided by senior-level representatives,

including your own Private Client Group Account

Executive and support representatives.

With Private Client Group, you receive:

• A wide range of investment guidance opportunities,

products, and services, including estate analysis,

charitable giving solutions, alternative investments

and private offerings, professional money

management, and trust services.

• Fidelity’s lowest brokerage commissions, special

fee waivers, and other discounts. Review our

commission schedule for complete details and

eligibility requirements.

• Access to our Active Trader Pro® trading platform,

expedited problem resolution, exclusive

publications, and invitations to special events and

seminars in your area.

Fidelity Wealth Advisor Solutions®3

If you have substantial assets and want

comprehensive wealth planning and customized

investment management services, consider the

Fidelity Wealth Advisor Solutions® program. Fidelity

can introduce you to prescreened independent

advisors from across the country who can offer you:

• Customized investment advice and portfolio

management investment guidance.

• Highly specialized products and planning services.

• Personal service and planning for you and

your family.

1 Fidelity Portfolio Advisory Service® is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. Fidelity® Personalized Portfolios may be offered through the following Fidelity Investments companies: Strategic Advisers, Inc.; Fidelity Personal Trust Company, FSB (“FPT”), a federal savings bank; or Fidelity Management Trust Company (“FMTC”). Nondeposit investment products and trust services offered through FPT and FMTC and their affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk, including possible loss of principal. These services provide discretionary money management for a fee.Brokerage services are provided by Fidelity Brokerage Services LLC. Custody and other services are provided by National Financial Services LLC. Both are Fidelity Investments companies and members of NYSE and SIPC. 2 Fidelity Private Client Group® is generally available to investors whose eligible retail household relationship assets are over $1 million, of which at least $500,000 is registered under the same Social Security number (SSN) or tax identification number (TIN) or lists the same SSN or TIN for the custodian of a Uniform Gifts/Transfers to Minors Act Account. Eligible Fidelity retail accounts generally include those maintained by Fidelity Service Company, Inc., or Fidelity Brokerage Services or held in Portfolio Advisory Services accounts [excluding assets maintained through any division of Fidelity Investments Institutional Services Company, Inc., such as 401(k) or 403(b) retirement plan assets]. Household relationship assets will be determined by aggregating the assets of eligible retail accounts held by the investor and his or her immediate family members who reside at the same address. 3 The Fidelity Wealth Advisor Solutions® program (“the Program”) is provided without charge as a convenience to you by Strategic Advisers, Inc. (SAI), a Fidelity Investments company. In no event shall SAI providing the names of one or more registered investment advisers (RIAs) constitute an endorsement, recommendation, or opinion as to the quality or appropriateness of the RIA or the related advisory services. SAI acts as solicitor to the RIAs in the Program and receives solicitation fees from the RIAs as a result of their participation. RIAs are not affiliated with or agents of SAI or any other Fidelity Investments company, but they are Fidelity Investments customers, and their clients compensate Fidelity Investments for custody, clearing, or other brokerage services. You must conduct the evaluation and due diligence you deem necessary to determine whether an RIA and any related advisory services are suitable for your needs. You are under no obligation to contact or engage any RIA. RIAs are eligible to participate in the Program if they represent to Fidelity Investments that they meet the following criteria:(1) RIA is an investment adviser registered and in good standing with the U.S. Securities and Exchange Commission and/or any applicable

state securities regulatory authorities or is exempt from such registration;(2) RIA charges fee-based, asset-based, or flat rate investment advisory service fees (which may include hourly fees);(3) RIA will maintain a minimum of $200,000,000 in assets under management, as reported on RIA’s Form ADV 2A, throughout the duration of

RIA’s participation in the Program;(4) RIA and all associated persons of the RIA who manage client assets or who supervise such associated persons shall at all times be covered

through both Errors and Omissions Liability Insurance and Fidelity Bond Coverage;(5) RIA offers one or more of the following services: financial planning, investment management, performance reporting, trust and estate

planning, retirement income planning, tax planning, small business services, corporate executive services, and/or wealth management; and(6) RIA maintains a minimum of two principals or officers as well as a minimum of five employees.SAI may, in its sole discretion, waive these criteria in whole or in part with respect to any RIA at any time. Fidelity has relied on the representa-tions of the RIA’s in determining whether the criteria have been met, and cannot guarantee the accuracy, completeness, or timeliness of the information provided by the RIAs. RIAs retain the right to accept or reject new advisory accounts. Please see SAI’s Form ADV Part 2A brochure for additional information about the Program. Guidance provided is educational.Fidelity Stock Plan Services, LLC.Fidelity Brokerage Services LLC, Member NYSE, SIPC900 Salem Street, Smithfield, RI 02917461012.10.0 1.844635.110

What is net unrealized appreciation? Why does it matter?Net unrealized appreciation (NUA) is nothing more

than the difference between the price you pay for

the company stock in your retirement savings plan

account (your cost basis) and the market value of

the shares when it is distributed from the plan. As

long as you keep your shares within your retirement

savings plan, you’ll continue to defer paying income

taxes on any appreciation of your company shares.

But when it’s time to move your account balance

out of your plan, there are tax consequences at

potentially different times. This liability can vary,

depending on where your company stock ends up.

Moving your company stock: possible tax scenarios.Option 1: Transfer your company stock

to a rollover IRA.

When you leave your employer, you have the option

of moving your company stock from your retirement

savings plan account directly to an IRA. When you

roll over your employer stock in kind1 to an IRA,

you’re generally not taxed at that time.

However, the special NUA tax advantages for

company stock are lost because all distributions

from IRAs are taxed at ordinary income rates

(currently as high as 39.6%). This option may still

make sense if the NUA is a small percentage of the

stock’s market value, or if your investment time

horizon is sufficiently long, since tax-deferred

growth may be achieved for many years in an IRA.

Support for making informed decisions — today and tomorrowIf you hold company stock in your retirement savings plan, you’ll eventually need to move those shares into a tax-deferred or taxable account. Which move may make sense for you? The answer may surprise you.

Continued >

1 An in-kind distribution is in the form of actual shares of your company stock from your retirement savings plan.

Tax Planning for Appreciated Shares

Option 1: Transfer your company stock to a rollover IRA.

Within your retirement savings plan account:

Upon direct, in-kind transfer to an IRA:

Upon withdrawal from your IRA:

You defer paying taxes on your initial company stock investment (the cost basis) and your NUA.

No taxes due.

Special NUA tax advantages for company stock are lost.

You are taxed at ordinary income rates (currently up to 39.6%) on your cost basis and any appreciation within your rollover IRA. Cost basis cannot be maintained and NUA cannot be elected in an IRA.

Option 2: Put your company stock in a taxable, nonretirement brokerage account.

Within your retirement savings plan account:

Upon direct, in-kind transfer to a taxable, nonretirement brokerage account:

Upon sale of the shares:

You defer paying taxes on your initial company stock investment (the cost basis) and your NUA.

The basis of the stock is taxed at ordinary income rates (up to 39.6% in 2016) in the year the stock is distributed from the plan.2

You are subject to long-term capital gains taxes (currently 0%, 15%, or 20% for 2016) on your NUA. You should be subject to either long-term or short-term capital gains taxes on any appreciation since distribution from your retirement savings plan.

2 A 10% withdrawal penalty may also apply on the cost basis of the stock if the distribution is made before age 59½, but not on the NUA.

3 The short-term capital gains tax rate, which is the same as your regular income tax rate, applies to shares you hold outside a retirement savings plan for less than 12 months. Beyond a year, long-term capital gains rates apply.

Option 2: Put your company stock in a taxable,

nonretirement brokerage account.

When you leave your employer, you may also have

the option of taking your company shares directly

and depositing them in kind in a taxable, nonretire-

ment brokerage account. The basis of the stock is

taxed at ordinary income rates in the year the stock

is distributed from the plan.2 When you finally sell

your shares of company stock, you pay long-term

capital gains tax (currently 0%, 15%, or 20% for

2016, depending on your tax bracket) on the net

unrealized appreciation. Any additional apprecia-

tion should be taxable as short-term or long-term

capital gains, depending on how long you held the

stock after it was distributed in-kind from the plan.3

While this brochure discusses two scenarios for NUA,

you may have other options available to you as well.

Please contact your plan’s toll-free number for more

information.

Comparing tax consequences: two company stock distribution options.The table below illustrates the tax implications of

(1) rolling over employer stock you hold in your

workplace retirement savings plan to an IRA, versus

(2) taking a direct distribution of your shares (which

may include depositing them in a taxable, non-

retirement brokerage account). Keep in mind that

the options in the example are for illustrative

purposes only. Your personal situation may differ,

depending on your plans for your retirement

savings account.

An example of the impact of NUA on two distribution options

This example assumes for both options:• 1,000 shares of employer stock in company retirement plan• Market value of 1,000 shares at time of distribution (year 1) is $100 per share, equal to $100,000• Cost basis of 1,000 shares at time of distribution is $10 per share, equal to $10,000• NUA is $90,000 [$90 per share ($100 per share – $10 per share) x 1,000 shares sold = $90,000]• Market value of 1,000 shares in year 5 is $120,000

Option 1:Roll over employer stock from an employer-sponsored retirement plan to an IRA and take qualified distributions from the IRA.

Option 2:Distribute employer stock in kind from an employer-sponsored retirement plan and place shares into a taxable, nonretirement brokerage account (example assumes partici-pant is age 59½ or older).4

Federal income tax: 39.6%5 Owe 39.6% federal income tax on market value of $120,000, which is $47,520 ($120,000 x 0.396), when distributed from rollover IRA in year 5.

Owe 39.6% federal income tax on cost basis of $10,000, which is $3,960 ($10,000 x 0.396).

Capital gains tax: 20%6 Not applicable Owe 20% capital gains tax when you sell your shares on:• NUA of $90,000, which is $18,000 ($90,000 x

0.20), and• Appreciation of stock, which is $4,000

($20,000 x 0.20)

Total tax $47,520 $25,960 ($10,000 x 0.396 = $3,960) + ($90,000 x 0.20 = $18,000) + ($20,000 x 0.20 = $4,000)

Tax savings due to special tax treatment known as NUA: $21,560 ($47,520–$25,960)

4 A 10% withdrawal penalty may also apply on the cost basis of the stock if the distribution is made before age 59½, but not on the NUA.

5 Federal income tax rates start at 10% and increase gradually to 39.6%. For purposes of this illustration, the highest federal income tax rate was used.

6 An individual’s capital gains tax rate will be 0%, 15%, or 20%, depending on the individual’s regular tax rate. For purposes of this illustration, the highest capital gains tax rate was used.

Action Plan• Learn the importance of net unrealized appreciation.

• Find out which distribution method may make sense for you.

• Determine what’s right for you and your company stock.

Fidelity does not provide legal or tax advice, and the information provided herein is general in nature and should not be considered legal or tax advice. Consult with an attorney or tax professional regarding your specific legal or tax situation.

The company stock fund is neither a mutual fund nor a diversified or managed investment option. NUA treatment is available only with certain lump sum (i.e., qualified lump sum) distributions (except for after-tax contributions). It is also permissible to roll over the cash portion and take shares in kind.

Fidelity Stock Plan Services, LLC

Fidelity Brokerage Services LLC, Member NYSE, SIPC

900 Salem Street, Smithfield, RI 02917

472879.9.0 1.852608.109

Careful planning can save you a lot.While a direct transfer to an IRA may be a great

financial move for the cash portion of your retire-

ment savings account, it may not be the best

choice for your company stock holdings. As the

scenario on the previous page shows, smart tax

planning could help you hold on to thousands

more in retirement savings. And that can make a

big difference.

Here’s HelpFor more details about net unrealized appreciation,

your company stock distribution options, and how

they may affect you:

• Call your Executive Services Officer.

• Speak to a Fidelity Retirement Representative

by calling your plan’s toll-free number, weekdays

from 8 a.m. to 8 p.m. Eastern time.

• Contact your tax or financial advisor.

Pursue your giving goals with ease.When you create a plan for charitable giving, you can

be more strategic, ultimately allowing you to give

more — and more effectively. By contributing to Fidelity

Charitable®, you can take advantage of a solution that:

• Enables you to support multiple charities, at

virtually any time,1 with a single contribution.

• Provides an organized way to manage your

charitable giving, simplifying your tax preparation.

• Makes it possible for you to contribute certain

assets beyond cash equivalents or publicly traded

appreciated securities, which other charities may

not be able to accept.

• Offers online access to manage all aspects of

charitable giving.

• Invests contributions for potential growth,

possibly resulting in more dollars available for

grants to charities.

Benefit from a tax-smart giving strategy.Fidelity can help you take advantage of a tax-savvy

approach with Fidelity Charitable — an independent

public charity with a donor-advised fund program.

It offers the following advantages:2

• It allows you to take an immediate tax deduction

for your contributions — separating the timing of

your tax deduction from your charitable support.

• Donations of appreciated securities with long-

term unrealized gains are generally deductible at

fair market value, and you typically will not have to

pay taxes on the appreciation.

• It can also be a valuable estate planning tool to

support your legacy goals.

Helping make the most of your charitable giving

Fidelity Charitable®

A dynamic approach to charitable giving

Make a tax-deductible

charitable contribution to

fund a donor-advised fund.

Assets contributed to

Fidelity Charitable are

invested for potential

tax-free growth.

Support charitable causes

at virtually any time.

Give Grow Grant

When you contribute long-term appreciated stock instead of selling the securities and contributing the net

cash sales proceeds, you can potentially eliminate capital gains, give more to charity, and pay less in taxes.

* This is a hypothetical example for illustrative purposes. Chart assumptions: Donor is in the 39.6% federal income bracket with an AGI of $500,000. State and local taxes, the federal alternative minimum tax, and limitations to itemized deductions applicable to taxpayers in higher-income brackets are not taken into account. Assumes all realized gains are subject to the maximum federal long-term capital gain tax rate of 20% and the Medicare surtax of 3.8%. Does not take into account state or local taxes, if any. Availability of certain federal income tax deductions may depend on whether you itemize deductions. Charitable contributions of capital gain property held for more than one year are usually deductible at fair market value. Deductions for capital gain property held for one year or less are usually limited to cost basis. Please consult your tax advisor regarding your specific legal and tax situation. Information herein is not legal or tax advice.

How you can benefit: Hypothetical Example*

Scenario 1: Donate Stock Contribute securities directly to charity

Scenario 2: Donate Cash Sell securities and donate net proceeds

Fair Market Value $50,000 $50,000

Eliminate capital gains

Assumes federal long-term capital gains tax of 20% and Medicare surtax of 3.8%, cost basis of $20,000, and long-term capital gains of $30,000

$0 $7,140

Donate more to charity Charitable contribution/charitable deduction

$50,000 $42,860

Save more in taxes

Maximum value of chari-table deduction less capital gain taxes and Medicare surtax, if any (assumes deduction offsets income taxed at 39.6%)

$19,800 $9,833

The end result: Give $7,140 more to charity and double the tax savings.

1 Subject to minimum grant activity requirements.

2 The tax information provided is general and educational in nature, and should not be construed as legal or tax advice. Fidelity Charitable does not provide legal or tax advice. Content provided relates to taxation at the federal level only. Charitable deductions at the federal level are available only if you itemize deductions. Rules and regulations regarding tax deductions for charitable giving vary at the state level, and laws of a specific state or laws relevant to a particular situation may affect the applicability, accuracy, or completeness of the information provided. As a result, Fidelity Charitable cannot guarantee that such information is accurate, complete, or timely. Tax laws and regulations are complex and subject to change, and changes in them may have a material impact on pre- and/or after-tax results. Fidelity Charitable makes no warranties with regard to such information or results obtained by its use. Fidelity Charitable disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Always consult an attorney or tax professional regarding your specific legal or tax situation.

3 As of December 31, 2015.

Fidelity Charitable is the brand name for Fidelity® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

Fidelity Stock Plan Services, LLC

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

© 2016 FMR LLC. All rights reserved.

541051.6.0 1.847681.110

Advantages of Fidelity CharitableSince 1991, Fidelity Charitable has helped more than

132,0003 donors simplify their charitable contributions

and maximize their giving with:

• Outstanding donor service

• Professionally managed investment pools

• Successor options for creating a charitable legacy

• An anonymous grant recommendation option

About Fidelity CharitableFidelity Charitable is one the country’s largest

independent public charities and offers the nation’s

largest donor-advised fund program.

• Offers investment options that have generated

$3.3 billion additional dollars for charitable

purposes3

• Has helped support over 219,000 nonprofit

organizations with more than $21 billion in grants.3

Please contact a Charitable Planning Specialist

at 800-682-4438 or visit FidelityCharitable.org

to learn how Fidelity Charitable can fit into

your financial plan and help you achieve

your charitable goals.

Fidelity® Cash Management Solutions

Fidelity® Cash Management Services

All the benefits you’d get from a traditional checking account.

Free ATM/debit card: Get reimbursed for all ATM and surcharge fees.1

FDIC eligible: Your uninvested cash is eligible for FDIC insurance up to $1,250,000.2

Free Fidelity BillPay®: Receive and pay bills on any of your devices.

No-fee checkwriting: Receive free unlimited checkwriting with free standard checks.

No monthly fees or account minimums

Mobile check deposit: Scan and deposit checks with your iPhone®, iPad®, or Android™ with Fidelity Mobile.®3

Fidelity® Rewards Visa Signature® Card

Get unlimited 2% cash back4 to save or invest in your eligible Fidelity account.5

No categories. No limits. No annual fee:6 Earning cash back is easy — you’ll get 2% everywhere you shop. And it’s even more rewarding knowing you won’t have to pay an annual fee.

Power your investments: Your rewards are automatically deposited into your eligible Fidelity account, so you could reach your financial goals even faster. Or, you can use your cash management account to have access to your money right away.

Accepted around the world: With Visa®, you’ll enjoy worldwide acceptance, so you can use your card at millions of places and online.

Easy management for your everyday spending—from the same place as your stock plan Fidelity® Cash Management Solutions help you streamline your money management, allowing you to easily move funds between your cash and investment accounts, while leveraging all the free services and unparalleled customer care you expect.

To set up your Cash Management featuresSpeak with your Executive Services Team

at 800.823.0217, or visit Fidelity.com/cash.

1 All Fidelity ATM withdrawal fees will be waived for your Fidelity® Cash Management Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity® Visa® Gold Check Card linked to your account at any ATM displaying the Visa®, Plus®, or Star® logos. The reimbursement will be credited to the account the same day the ATM fee is debited from the account. Please note that there is a foreign transaction fee of 1% that is not waived, which will be included in the amount charged to your account. The Fidelity® Visa® Gold Check Card is issued by PNC Bank, N.A., and the check card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other or with Fidelity Investments. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.

2 The Fidelity® Cash Management Account’s uninvested cash balance is swept to one or more Program Banks, where it earns a variable rate of interest and is eligible for FDIC insurance. At a minimum, there are five banks available to accept these deposits, making customers eligible for nearly $1,250,000 of FDIC insurance. If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be higher or lower. For more information on FDIC insurance coverage, please visit FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. Refer to the FDIC-Insured Cash (Core) Disclosure Statement and list of eligible Program Banks for details. The deposits at Program Banks are not covered by SIPC.

3 iPhone, iPod touch, and iPad are trademarks of Apple Inc. Android is a trademark of Google Inc.4 You will earn two points per dollar in net purchases (purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. The 2% rewards value applies only to points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your points for other rewards. Other restrictions apply.

5 Eligible accounts include most nonretirement registrations as well as traditional IRA, Roth IRA, rollover IRA, SEP IRA, and Fidelity® managed 529 college savings plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Rules new card customers receive with their card. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (1-800-343-3548).

6 The APR may vary and as of 03-01-16, the variable APR for Purchases and Balance Transfers is 14.24%. The variable APR for Cash Advances is 24.24%. Cash Advance fee: 3% of each advance amount, $5 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 3% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 1% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars; 1% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency. We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates, as provided under the Cardmember Agreement and applicable law.

7 Past performance is no guarantee of future results. Actual results will vary. This hypothetical is for illustrative purposes only in order to demonstrate the potential effect of investing 2% of a cardholder’s monthly Fidelity® Rewards Visa Signature® Card purchases into an eligible Fidelity account. The example is not intended to predict or project the performance of any investment security. The example assumes the following: The cardholder elects to turn all available earned rewards points into a deposit into an eligible Fidelity account for a period of 20 years The credit card balance is paid off in full each month and no funds are withdrawn from the eligible account during the 20-year period. The hypothetical investment return is calculated as a constant 7% throughout the 20-year period. The future value is the result of compound growth calculation using the assumptions above. Taxes, inflation, fees, and/or expenses have not been taken into account. If they had been deducted, performance would be lower. Performance will vary and you may have a gain or a loss when you sell shares.

The creditor and issuer of the Fidelity® Rewards Visa Signature® Card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. Fidelity and Elan Financial Services are separate companies.Fidelity Stock Plan Services, LLC.Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917© 2016 FMR LLC. All rights reserved. 472037.9.0 1.854123.109 03/25919

An easier way to manage your cashFidelity Cash Management Solutions give you the power to manage your cash and spending alongside your investments.

Manage Money & Payments Once you log on to Fidelity.com, the Manage Money & Payments page provides a clear view of money movement and payment trans-actions in your brokerage and cash management accounts:

• See cash balances aggregated across all Fidelity account types

• Pay and manage bills via Fidelity BillPay®

• See Fidelity Rewards credit card balances, payment dates, and rewards earned

• Review running balances and pending transactions

• View deposit availability times and amounts

Fidelity Mobile® Manage your money on the go with Fidelity Mobile® apps:

• Remote check deposit

• Mobile Fidelity BillPay®

• Move money among your Fidelity accounts

• Check balances, trade, research, and more

Screenshots are for illustrative purposes only.

$2,500 IN MoNThly CreDIT CArD PurChAses

$600

$26,822

ANNUAL CASH BACK CASH-BACK GrowtH potENtiAL

Fidelity® Rewards Visa Signature® Card2% is just the beginning

This example shows how investing your rewards in an eligible Fidelity account can potentially grow over 20 years.7

This chart is for illustrative purposes only. Your actual rewards earned will depend on your pattern of purchases.

20-year hypothetical value of your 2% cash-back contribution

Strategic communications just for Fidelity Executive Services clientsDelivered online, by phone, and in person, these

resources can help you make the important

decisions you’ll face in the coming months

and years:

• Executive e-newsletter

Our online biannual publication is designed to

help Fidelity high-net-worth customers become

more informed on relevant topics. It features a

wide array of educational articles about market

trends and investing, financial guidance, tax-law

and SEC changes and updates, as well as in-depth

fund coverage and news concerning Fidelity

products and services.

• Exclusive seminars

Cohosted by your local Fidelity Investor Center,

these events focus on a wide range of financial

topics specifically for high-net-worth investors

and are another valuable source of guidance

and information.

• Fidelity Viewpoints® Inside/Out webcast

Fidelity Viewpoints® Inside/Out brings together

the industry’s top investment strategists and

portfolio managers, from both inside and outside

of Fidelity Investments, to discuss their insights on

current market conditions and economic trends.

• Personal alerts

You’ll receive personal emails or phone calls

about plan events that need your attention,

such as approaching option expirations and

vesting dates. Whichever delivery method you

choose, you’ll be linked directly to a highly

trained Executive Services Representative who’s

ready to help.

Analysis and information tailored for executives like youYour Fidelity Executive ServicesSM benefits include market analysis and timely financial information tailored to executive needs. It’s all designed to help you make better investment and financial decisions, both inside and outside your stock plan.

Guidance provided is educational.

Fidelity Stock Plan Services, LLC

Fidelity Brokerage Services LLC, Member NYSE, SIPC

900 Salem Street, Smithfield, RI 02917

461006.8.0 1.844638.108

Executive and High-Net-Worth Programs

With in-depth knowledge about your company

stock plan, and significant experience helping

executives navigate the opportunities and

requirements of plan participation, your Fidelity

Executive Services team is your primary resource

for ongoing support.

Simply contact a member of your team to review

the services available to you. You’ll also have the

chance to discuss your specific stock plans, a first

step in establishing a strategy that makes sense

for you.

About your Fidelity Executive ServicesSM TeamYour Fidelity Executive Services team is made up of some of the most highly trained and skilled representatives at Fidelity.

Fidelity Executive ServicesSM

Guidance provided is educational.

Fidelity Stock Plan Services, LLC

Fidelity Brokerage Services LLC, Member NYSE, SIPC

536207.3.0 1.904475.103

Call Your Fidelity Executive Services Team at 800-823-0217 to:

• Review your holdings and plan for any upcoming decisions.

• Activate your Fidelity Account®.

• Review the planning resources and guidance services available to you

from Fidelity.

• Request specialized stock services, including assistance with restricted stock,

and help with large-block and other complex trades.

• Receive account service and updates.

• Resolve any service issues or concerns.