YOUR GUIDE TO GETTING STARTED - Hach Company...Dear Danaher associate: It is our pleasure to offer you the opportunity to enroll in the Plan. Your retirement savings plan offers a

Your Guide to GettinG Started

Danaher Corporation & Subsidiaries Savings Plan

Invest in your retirement—and yourself—today,

with help from the Plan and Fidelity.

Invest some of what you earn today for what you plan toaccomplish tomorrow.

Dear Danaher associate:

It is our pleasure to offer you the opportunity to enroll in the Plan. Your retirement savings planoffers a convenient, tax-deferred way to save for retirement.

Benefit from:

Matching contributions. Your Company will help your contributions grow by matching your 401(k)contributions, after one year of service, subject to Plan terms. Beginning in 2011, these matchingcontributions are referred to as "safe harbor matching contributions."

Company retirement contributions. Your Company also helps your retirement account grow bymaking company retirement contributions for you after one year of service. Note: If you are anassociate of Kollmorgen EO, you do not qualify for the Company Retirement contribution.

Retirement planning tools.You have access to online tools designed to help you manage yourassets as you plan for retirement.

Convenience. Your contributions are automatically deducted regularly from your paycheck.

Tax savings now. Your pretax contributions are deducted from your pay before income taxes aretaken out. This means that you can actually lower the amount of current income taxes you pay eachperiod. It could mean more money in your take-home pay versus saving money in ataxable account.

Tax-deferred savings opportunities. You pay no taxes on any earnings until you withdraw themfrom your account, enabling you to keep more of your money working for you now.

Portability. You can rollover eligible savings from a previous employer into this Plan. You can alsotake your plan vested account balance with you if you leave the company.

Investment options. You have the flexibility to select from investment options that range frommore conservative to more aggressive, making it easy for you to develop a well-diversifiedinvestment portfolio.

Catch-up contributions. If you make the maximum contribution to your plan account, and you are50 years of age or older during the calendar year, you can make an additional “catch-up”contribution of $5,500 in 2012.

Online beneficiary. With Fidelity’s Online Beneficiary Service, you can designate your beneficiaries,receive instant online confirmation, and check your beneficiary information virtually any time.

To learn more about what your plan offers, see “Frequently asked questions about your plan” laterin this guide.

Enroll in your plan and invest in yourself today.

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Frequently asked questions about your plan.Here are answers to questions you may have about the key features, benefits, and rules of your plan.

When can I enroll in the Plan?

You are immediately eligible to enroll inthe Plan.

How do I enroll in the Plan?

Log on to Fidelity NetBenefits® atwww.401k.com or call the Fidelity RetirementBenefits Line at 1-800-835-5092 to enroll inthe Plan.

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Getting Started Guidance & Retirement Investments Resources

Monday, November 28, 2011

Welcome.

Fidelity can help you make the most of your employer-sponsored retirement plan. As a trusted provider ofguidance to millions of individuals, we provide everythingyou need to plan for—and achieve—the retirement youwant.

We provide practical education and easy-to-use tools anduseful information that you can use to easily consolidateand manage all your retirement savings over time.

Just click any of the links below to learn more:

Getting Started. Feel confident about your plan…andenroll now.

Guidance & Retirement. Make smarter decisions toachieve the retirement you want.

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FIDELITY VIEWPOINTS

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Reduce yourtax hit

How much can I contribute?

Through automatic payroll deduction, you cancontribute between 1% and 75% (wholepercentages only) of your eligible pay on apretax basis, up to the annual IRS dollar limits.Eligible pay includes your base pay, overtime,commissions, bonus and shift differential butexcludes payments such as severance pay. Youcan request to change your contributionamount virtually any time by logging on toFidelity NetBenefits® at www.401k.com andclicking on "Contribution Amount" or bycalling the Fidelity Retirement Benefits Line at1-800-835-5092.

What are the IRS contribution limits?

If you are under age 50, the IRS contributionlimit for 2012 is $17,000. If you will be at leastage 50 during the year, your plan may allowyou to defer an additional $5,500 ascatch-up contributions.

When is my enrollment effective?

Your enrollment becomes effective once youelect a deferral percentage, which initiatesdeduction of your contributions from your pay.These salary deductions will generally beginwith your next pay period after we receive yourenrollment information, or as soon asadministratively possible.

There is a quarterly recordkeeping fee of $4.50.The recordkeeping fee will be deducteddirectly from your individual plan account.

Does the Company contribute tomy account?

The Company helps your retirement savingsgrow by matching your contributions. EffectiveJanuary 1, 2011, these matching contributionsare considered "safe harbor matchingcontributions."

The Company will match 100% of each dollaryou contribute on the first 3% of pay that youdefer to the Plan and 50% of the next 2% thatyou defer each pay date. You must havecompleted 1 year of service to be eligible forthe match. Matching contributions arecalculated on a per pay period basis, based ondeferrals for the pay date.

You may also be eligible to receive anadditional Company Retirement Contributionequal to 2% of eligible pay each pay date, after

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one year of service. Note: If you are anassociate of Kollmorgen EO, you do not qualifyfor the Company Retirement contribution inthis Plan.

How do I designate my beneficiary?

To select your beneficiaries, or if youexperience a life-changing event such as amarriage, divorce, birth of a child, or a death inthe family, you can access Fidelity’s OnlineBeneficiary Service, available through FidelityNetBenefits®. This service offers astraightforward, convenient process that takesjust minutes. Simply log on to NetBenefits atwww.401k.com and click on "Beneficiaries" inthe About You section of Your Profile. If you donot have access to the internet or prefer tocomplete your beneficiary information bypaper form, please contact Fidelity at1-800-835-5092.

What are my investment options?

To help you meet your investment goals, thePlan offers you a range of options. You canselect a mix of investment options that bestsuits your goals, time horizon, and risktolerance. The 31 investment options availablethrough the Plan include conservative,moderately conservative, and aggressivefunds. A complete description of the Plan’sinvestment options and their performance, aswell as planning tools to help you choose anappropriate mix, are available online atFidelity NetBenefits®.

The Plan also offers the Fidelity Freedom K®

Funds that offer a blend of stocks, bonds andshort-term investments within a single fund.Each Freedom K® Fund’s asset allocation isbased on the number of years until the fund’starget retirement date. The Freedom K® Fundsare designed for investors who want a simpleapproach to investing for retirement. Lifecyclefunds are designed for investors expecting toretire around the year indicated in each fund’sname. The investment risk of each lifecyclefund changes over time as each fund’s assetallocation changes. The funds are subject to

the volatility of the financial markets, includingequity and fixed income investments in theU.S. and abroad and may be subject to risksassociated with investing in high yield, smallcap, commodity-linked and foreign securities.Principal invested is not guaranteed at anytime, including at or after the fund’starget date.

The Plan also offers Fidelity® Portfolio AdvisoryService at Work, a managed account servicethat lets you delegate the day-to-daymanagement of your workplace savings planaccount to professional investment managers.Fidelity’s experienced professionals evaluatethe investment options available in your planand identify a model portfolio of investmentsappropriate for an investor like you. Theservice then invests your account to align withthis model portfolio and provides ongoingmanagement of your account to addresschanges in the markets, your plan’s investmentlineup, and changes in your personal orfinancial situation.

With a managed account, you can takeadvantage of Fidelity’s resources andexperience to help ensure that:

● Your investments are managed through theups and downs of the market.

● You’re keeping your accounts aligned withyour goals through annual reviewsand check-ins.

● Your account is actively managed to createan opportunity for long-term gains whilemanaging the risk associated with investing.

To see if Fidelity® Portfolio Advisory Serviceat Work is right for you, log ontoNetBenefits® athttps://netbenefits.fidelity.com/pas whereyou can easily enroll in the Service and learnmore. Fidelity Portfolio Advisory Service atWork is a service of Strategic Advisers, Inc.,a registered investment adviser and aFidelity Investments company. This serviceprovides discretionary moneymanagement for a fee.

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Please note that performance of the modelportfolios depends on the performance ofthe underlying investment options. Theseinvestments are subject to the volatility ofthe financial markets in the U.S. and abroadand may be subject to additional risks withinvesting in high yield, small-cap, andforeign securities.

For those desiring the most investmentflexibility and choice, the Plan offers a self-directed brokerage option, which gives youaccess to many other investment options. Acomplete description of the Plan’sinvestment options and their performance,as well as planning tools to help you choosean appropriate mix, are available online atFidelity NetBenefits®.

What if I don’t make aninvestment election?

We encourage you to take an active role inthe Plan and choose investment options thatbest suit your goals, time horizon, and risktolerance. If you do not select specificinvestment options in the Plan, yourcontributions will be invested in the FidelityFreedom K® Fund with the target retirementdate closest to the year you might retire,based on your current age and assuming aretirement age of 65, at the direction ofDanaher. Please refer to the chart in theInvestment Options section or log intowww.401k.com for more details.

How much should I save for retirement?

Fidelity’s planning tools are designed tohelp you manage your assets as you plan forretirement. Simply log on to FidelityNetBenefits® at www.401k.com to accessthese tools.

Danaher encourages all participants to savefor retirement. Participants can optimizetheir company contributions by deferring ata rate of at least 5%.

What "catch-up" contribution can I make?

If you have reached age 50 or will reach 50during the calendar year (January 1 -December 31) and are making the maximumPlan or IRS pretax contribution, you maymake additional "catch-up" contributioneach pay period. The maximum annualcatchup contribution is $5,500 in 2012.Going forward, catch-up contribution limitswill be subject to cost of living adjustments(COLAs) in $500 increments, as determinedby the IRS. You make catch-up contributionsthrough payroll deduction, the same wayyou make regular contributions.

When am I vested?

You are always 100% vested in your owncontributions to the Plan as well as anyearnings on them. Effective January 1, 2011,Company (Safe Harbor) MatchingContributions are immediately vested.Company Matching Contributions madeprior to January 1, 2011, and CompanyRetirement Contributions, are vested afteryou have completed 3 years of service. Youare also fully vested in the CompanyMatching Contributions and the CompanyRetirement Contribution if you retire at orafter age 65, become disabled or die whileyou are employed or preforming qualifiedmilitary service. Your account balance mayinclude monies transferred into the Planbecause of a merger or acquisition. If so,please check with your local HumanResources Department to determine if adifferent vesting schedule applies to yourtransferred balances.

Can I take a loan from my account?

Although your plan account is intended forthe future, you may borrow from youraccount for any reason. Generally, the Planallows you to borrow up to 50% of yourvested account balance. The minimum loanamount is $1,000, and a loan must notexceed $50,000. You then pay the moneyback into your account, plus interest,through after-tax payroll deductions for aloan period up to 5 years. Any outstanding

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loan balances over the previous 12 monthsmay reduce the amount you have availableto borrow. You may have one loanoutstanding at a time. When you pay off aloan, you must wait 30 days to take out anew loan. The cost to initiate a loan is $35,and there is a quarterly maintenance fee of$3.75. The initiation and maintenance feeswill be deducted directly from yourindividual plan account. If you terminateemployment and fail to repay your loan(based on the original terms of the loan), itwill be considered in "default" and treatedas a distribution, making it subject toincome tax and possibly to a 10% earlywithdrawal penalty. Defaulted loans mayalso impact your eligibility to requestadditional loans. Be sure you understand thePlan guidelines and impact of taking a loanbefore you initiate a loan from your planaccount. To learn more about or request aloan, log on to www.401k.com or call theFidelity Retirement Benefits Line at1-800-835-5092.

Can I make withdrawals from my account?

Withdrawals from the Plan are generallypermitted when you terminate youremployment, retire, become permanentlydisabled, reach 59½, have rollover money inthe Plan, or have severe financial hardship asdefined by your Plan. Keep in mind thatwithdrawals are subject to income taxes andpossibly to early withdrawal penalties. Safeharbor matching contributions are noteligible for hardship withdrawals. Pleasecontact Fidelity with any questions aboutwhat other in-service withdrawals may beavailable to you.

The taxable portion of your withdrawal thatis eligible for rollover into an individualretirement account (IRA) or anotheremployer’s retirement plan is subject to 20%mandatory federal income tax withholding,unless it is rolled directly over to an IRA oranother employer plan. (You may owe moreor less when you file your income taxes.) Ifyou are under age 59½, the taxable portion

of your withdrawal is also subject to a 10%early withdrawal penalty, unless you qualifyfor an exception to this rule.

You may also be eligible to take yourdistributions through Systematic WithdrawalPayments (SWPs) over monthly, quarterly orannual installments for up to 15 years. Tolearn more about and/or to request awithdrawal, log on to Fidelity NetBenefits atwww.401k.com or call the FidelityRetirement Benefits Line at 1-800-835-5092.The plan document and current tax laws andregulations will govern in case of adiscrepancy. Be sure you understand the taxconsequences and your plan’s rules fordistributions before you initiate adistribution. You may want to consult yourtax adviser about your situation.

When you leave the Company, you canwithdraw contributions and any associatedearnings or, if your vested account balance isgreater than $5,000, you can leavecontributions and any associated earnings inthe Plan. After you leave the Company, ifyour vested account balance is equal to orless than $1,000, it will automatically bedistributed to you. However, if your vestedaccount balance is greater than $1,000 butnot more than $5,000, you will be notifiedthat your entire vested account balance willbe transferred to an Individual RetirementAccount (Rollover IRA) with FidelityInvestments, unless you request either acash distribution or a rollover distribution ofyour choice. The automatic distribution ortransfer to a Rollover IRA mentioned abovewill typically be processed the next calendarquarter after you leave the Company.

Can I move money from anotherretirement plan into my account inthe Plan?

You are permitted to roll over eligible pretaxcontributions from another 401(k) plan,401(a) plan, 403(b) plan or a governmental457(b) retirement plan account or eligiblepretax contributions from conduit IndividualRetirement Accounts (rollover IRAs) and

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certain non-conduit individual retirementaccounts (traditional IRAs, SimplifiedEmployee Pension plans, and "SIMPLE" IRAdistributions made more than two yearsfrom the date you first participated in theSIMPLE IRA). A conduit IRA is one thatcontains only money rolled over from anemployer-sponsored retirement plan thathas not been mixed with regular IRAcontributions. Call the Fidelity RetirementBenefits Line at 1-800-835-5092 or log on toFidelity NetBenefits® at www.401k.com fordetails. You should consult your tax adviserand carefully consider the impact of makinga rollover contribution to your employer’splan because it could affect your eligibilityfor future special tax treatments.

How do I access my account?

You can access your account online throughFidelity NetBenefits at www.401k.com or callthe Fidelity Retirement Benefits Line at1-800-835-5092 from 8:30 A.M. to 8:00 P.M.Eastern time to speak with a representativeor use the automated voice responsesystem, virtually 24 hours, 7 days a week.

Where can I find information aboutexchanges and other plan features?

You can find information about managingyour account and learn about loans,exchanges, and more, online throughFidelity NetBenefits® at www.401k.com. Inparticular, you can access loan modelingtools that illustrate the potential impact of aloan on the long-term growth of youraccount. You will also find a withdrawalmodeling tool, which shows the amount offederal income taxes and early withdrawalpenalties you might pay, along with theamount of earnings you could potentiallylose by taking a withdrawal. You can alsoobtain more information about loans,withdrawals, and other plan features, bycalling the Fidelity Retirement Benefits Lineat 1-800-835-5092 to speak with arepresentative or use the automated voiceresponse system, virtually 24 hours, 7 daysa week.

What are my rights with respect to mutualfund pass-through voting?

As a Plan participant, you have the ability toexercise voting, tender, and other similarrights for mutual funds in which you areinvested through the Plan. Materials relatedto the exercise of these rights will be sent atthe time of any proxy meeting, tender offeror similar rights relating to the particularmutual funds held in your account.

How do I obtain additional investmentoption and account information?

The Company has appointed Fidelity toprovide additional information on theinvestment options available through thePlan. Also, a statement of your account maybe requested by phone at 1-800-835-5092 orreviewed online at Fidelity NetBenefits®.

Your quarterly statements are automaticallydefaulted to online unless you specificallyrequest paper statements through Fidelity.

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Investment OptionsA comprehensive list of investment options for the Plan. For up-to-dateperformance information and other fund specifics, go to www.401k.com.

Lifecycle Funds

Placement of investment options within each risk spectrum is only in relation to the investment options within that specific spectrum. Placement does not reflect risk relative to the investmentoptions shown in the other risk spectrums.

For each risk spectrum below, investment options to the lefthave potentially more inflation risk and less investment risk

For each risk spectrum below, investment options to the righthave potentially less inflation risk and more investment risk

RRisk Sppectrummm for LLifecycclee

Fidelity Freedom K® Income Fund

Fidelity Freedom K® 2005 Fund











Target date investments are represented on a separate spectrum because they are generally designed for investors expecting toretire around the year indicated in each investment‘s name. The investments are managed to gradually become more conservativeover time. The investment risks of each target date investment change over time as its asset allocation changes. They are subject tothe volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject torisks associated with investing in high yield, small cap and foreign securities. Principal invested is not guaranteed at any time,including at or after their target dates.

The chart below lists the assigned fund the Plan believes will best fit your diversification needsshould you not select an investment option.

Your Birth Date* Fund Name Target Retirement Years

Before 1933 Fidelity Freedom K® Income Fund Retired before 1998

January 1, 1933 - December 31, 1942 Fidelity Freedom K® 2005 Fund Target Years 1998 - 2007









January 1, 1983 and later* Fidelity Freedom K® 2050 Fund Target Years 2048 and beyond

*Dates selected by Plan Sponsor

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CONNSEERVAATIVE AGGRESSIVE

Categories to the left have potentiallymore inflation risk and less investment risk

Categories to the right have potentiallyless inflation risk and more investment risk

Investment options to the left have potentially more inflation risk and less investment risk

Investment options to the right have potentially less inflation risk and more investment risk

SHORT-TERM INVESTMENT BOND STOCKS

Money Market Stable Value Bond Domestic Equities International/Global Company Stock

Fidelity® InstitutionalMoney Market -Money MarketPortfolio - Class I

ManagedIncome PortfolioII Class 3

PIMCO TotalReturn FundInstitutionalClass

Diversified

Vanguard TotalBond MarketIndex FundSignal Shares

Inflation-Protected

VanguardInflation-ProtectedSecurities FundInstitutionalShares

Large Value

Fidelity® Equity-Income Fund -Class K

Small Value

AmericanBeacon SmallCap Value FundClassInstitutional

Large Blend

Spartan® 500Index Fund -InstitutionalClass

Mid Blend

Fidelity® Low-Priced StockFund - Class K

Spartan® ExtendedMarket IndexFund - FidelityAdvantage Class

Large Growth

American FundsGrowth Fund ofAmericaClass R6

T. Rowe PriceLarge Cap CoreGrowth SeparateAccount

Mid Growth

Franklin Small-Mid Cap GrowthFund ClassAdvisor

Diversified

Dodge & CoxInternationalStock Fund

Fidelity® DiversifiedInternationalFund - Class K

TempletonWorld FundClass Advisor

Vanguard TotalInternationalStock IndexFund SignalShares

The DanaherCorporationStock Fund

This spectrum, with the exception of the Domestic Equity category, is based on Fidelity’s analysis of the characteristics of thegeneral investment categories of the investment options and not on the actual security holdings, which can change frequently.Investment options in the Domestic Equity category are based on the options’ Morningstar categories as of 12/31/2011.Morningstar categories are based on a fund’s style as measured by its underlying portfolio holdings over the past three years andmay change at any time. These style calculations do not represent the investment options’ objectives and do not predict theinvestment options’ future styles. Investment options are listed in alphabetical order within each investment category. Riskassociated with the investment options can vary significantly within each particular investment category, and the relative risk ofcategories may change under certain economic conditions. For a more complete discussion of risk associated with the mutual fundoptions, please read the prospectuses before making your investment decision. The spectrum does not represent actual or impliedperformance.

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Fidelity BrokerageLink® combines the convenience of your workplace retirement plan with theadditional flexibility of a brokerage account. It gives you expanded investment choices and theopportunity to more actively manage your retirement contributions. A self-directed brokerageaccount is not for everyone. If you are an investor who is willing to take on the potential for more riskand you are prepared to assume the responsibility of more closely monitoring this portion of yourportfolio, it could be appropriate for you. However, if you do not feel comfortable actively managinga portfolio beyond those offered through your plan’s standard investment options, then a self-directed brokerage account may not be appropriate for you. Additional fees apply to a brokerageaccount; please refer to the fact sheet and commission schedule for a complete listing of brokeragefees. Remember, it is always your responsibility to ensure that the options you select are consistentwith your particular situation, including your goals, time horizon, and risk tolerance.

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Investment OptionsBefore investing in any mutual fund, please carefully consider theinvestment objectives, risks, charges, and expenses. For this and otherinformation, call or write Fidelity for a free prospectus or, if available, asummary prospectus. Read it carefully before you invest.

Fidelity® Institutional Money Market - Money Market Portfolio - Class I

VRS Code: 00059

Fund Objective: Seeks to obtain as high a level of current income as is consistent with the preservation of principal andliquidity within the limitations prescribed for the fund.

Fund Strategy: Investing in U.S. dollar-denominated money market securities of domestic and foreign issuers rated in thehighest category by at least two nationally recognized rating services or by one if only one rating service has rated a security,or, if unrated, determined to be of equivalent quality by FMR, U.S. Government securities and repurchase agreements.Investing more than 25% of its total assets in the financial services. Potentially entering into reverse repurchase agreements.

Fund Risk: An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporationor any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it ispossible to lose money by investing in the fund. Foreign securities are subject to interest rate, currency exchange rate,economic, and political risks. Interest rate increases can cause the price of a money market security to decrease.

Fund short term trading fees: None

Footnotes:● A mutual fund registered under Fidelity Colchester Street Trust, and managed by Fidelity Management Research Company

("FMR"). This description is only intended to provide a brief overview of the fund. Read the fund’s prospectus for moredetailed information about the fund.

● Fidelity is voluntarily reimbursing a portion of the fund’s expenses. If Fidelity had not, the returns would have been lower.

Managed Income Portfolio II Class 3

VRS Code: 00769

Fund Objective: The fund seeks to preserve your principal investment while earning a level of interest income that isconsistent with principal preservation. The fund seeks to maintain a stable net asset value (NAV) of $1 per share, but it cannotguarantee that it will be able to do so. The yield of the fund will fluctuate.

Fund Strategy: The fund invests in benefit-responsive investment contracts issued by insurance companies and other financialinstitutions ("Contracts"), fixed income securities, and money market funds. Under the terms of the Contracts, the assets of thefund are invested in fixed income securities (which may include, but are not limited to, U.S. Treasury and agency bonds,corporate bonds, mortgage-backed securities, commercial mortgage-backed securities, asset-backed securities, and collectiveinvestment vehicles and shares of investment companies that invest primarily in fixed income securities) and shares of moneymarket funds. The fund may also invest in futures contracts, option contracts, and swap agreements. Fidelity ManagementTrust Company, as investment manager and trustee of the Fidelity Group Trust for Employee Benefit Plans, has claimed anexemption from registration under the Commodity Exchange Act and is not subject to registration or regulation under the Act.At the time of purchase, all Contracts and securities purchased for the fund must satisfy the credit quality standards specified inthe Declaration of Separate Fund

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Fund Risk: The Contracts and securities purchased for the fund are backed solely by the financial resources of the issuers ofsuch Contracts and securities. An investment in the fund is not insured or guaranteed by the manager(s), the plan sponsor, thetrustee, the FDIC, or any other government agency. The Contracts purchased by the fund permit the fund to account for thefixed income securities at book value (principal plus interest accrued to date). Through the use of book value accounting, thereis no immediate recognition of investment gains and losses on the fund’s securities. Instead, gains and losses are recognizedover time by periodically adjusting the interest rate credited to the fund under the Contracts. However, while the fund seeks topreserve your principal investment, it is possible to lose money by investing in this fund. The Contracts provide for the paymentof certain withdrawals and exchanges at book value during the terms of the Contracts. In order to maintain the Contractissuers’ promise to pay such withdrawals and exchanges at book value, the Contracts subject the fund and its participants tocertain restrictions. For example, withdrawals prompted by certain events (e.g., layoffs, early retirement windows, spin-offs, saleof a division, facility closings, plan terminations, partial plan terminations, changes in laws or regulations) may be paid at themarket value of the fund’s securities, which may be less than your book value balance.Certain investment options offered by your plan (e.g., money market funds, short term bond funds, certain asset allocation/lifecycle funds and brokerage window) may be deemed by the Contract issuers to "compete" with this fund. The terms of theContracts prohibit you from making a direct exchange from this fund to such competing funds. Instead, you must firstexchange to a non-competing fund for 90 days. While these requirements may seem restrictive, they are imposed by theContract issuers as a condition for the issuer’s promise to pay certain withdrawals and exchanges at book value.

Who may want to invest:● Someone who seeks a slightly higher yield over the long term than is offered by money market funds, but who is willing to

accept slightly more investment risk.

● Someone who is interested in balancing an aggressive portfolio with an investment that seeks to provide stability of price.

Footnotes:● The investment option is a stable value fund. It is managed by Fidelity Management Trust Company. This description is only

intended to provide a brief overview of the fund.

● This fund is a commingled pool of the Fidelity Group Trust for Employee Benefit Plans. Only qualified, participant-directed,defined contribution plans may invest in the fund.

● This investment option is not a mutual fund.

PIMCO Total Return Fund Institutional Class

VRS Code: 99622

Fund Objective: A Corporate Bond - General mutual fund; the Morningstar Category is Intermediate-Term Bond.

Fund Strategy: The investment seeks maximum total return. The fund normally invests at least 65% of total assets in adiversified portfolio of Fixed-Income Instruments of varying maturities, which may be represented by forwards or derivativessuch as options, futures contracts, or swap agreements. It invests primarily in investment-grade debt securities, but may investup to 10% of total assets in high-yield securities ("junk bonds"). The fund may invest in derivative instruments, such as options,futures contracts or swap agreements, or in mortgage- or asset-backed securities.

Fund Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise,bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed incomesecurities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, mostbond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is notpossible. Please consult the prospectus for additional risk information specific to this fund.


Footnotes:● A mutual fund registered under PIMCO Funds, and managed by Pacific Investment Management Co LLC. This description is

only intended to provide a brief overview of the fund. Read the fund’s prospectus for more detailed information about thefund.

Vanguard Inflation-Protected Securities Fund Institutional Shares

VRS Code: 49231

Fund Objective: A Government Bond - Treasury mutual fund; the Morningstar Category is Inflation-Protected Bond.

Fund Strategy: The investment seeks to provide inflation protection and income consistent with investment in inflation-indexed securities. The fund invests at least 80% of assets in inflation-indexed bonds issued by the U.S. government. It mayinvest in bonds of any maturity, though the fund typically maintains a dollar-weighted average maturity of 7 to 20 years.

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Fund Risk: The interest payments of TIPS are variable, they generally rise with inflation and fall with deflation. In general thebond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, andvice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation riskand credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have amaturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Please consult theprospectus for additional risk information specific to this fund.


Footnotes:● A mutual fund registered under Vanguard Fixed Income Securities Funds, and managed by Vanguard Group, Inc. This

description is only intended to provide a brief overview of the fund. Read the fund’s prospectus for more detailed informationabout the fund.

Vanguard Total Bond Market Index Fund Signal Shares

VRS Code: 42911

Fund Objective: An Income mutual fund; the Morningstar Category is Intermediate-Term Bond.

Fund Strategy: The investment seeks to track the performance of a broad, market-weighted bond index. The fund employs a"passive management", or indexing investment approach designed to track the performance of the Barclays Capital U.S.Aggregate Float Adjusted Index. It invests by sampling the index. It invests at least 80% of assets in bonds held in the index.The fund maintains a dollar-weighted average maturity consistent with that of the index, ranging between 5 and 10 years.

Fund Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise,bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed incomesecurities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, mostbond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is notpossible. Please consult the prospectus for additional risk information specific to this fund.


Footnotes:● A mutual fund registered under Vanguard Bond Index Funds, and managed by Vanguard Group, Inc. This description is only

intended to provide a brief overview of the fund. Read the fund’s prospectus for more detailed information about the fund.

● The Barclays Capital U.S. Aggregate Float Adjusted Index measures the total universe of public, investment-grade, taxable,fixed income securities in the United States-including government, corporate, and international dollar-denominated bonds,as well as mortgage-backed and asset-backed securities-all with maturities of more than 1 year.

American Beacon Small Cap Value Fund Class Institutional

VRS Code: 47694

Fund Objective: A Small Company mutual fund; the Morningstar Category is Small Value.

Fund Strategy: The investment seeks long-term capital appreciation and current income. The fund normally invests at least80% of net assets (plus the amount of any borrowings for investment purposes) in equity securities of U.S. small companies withmarket capitalizations of $3 billion or less at the time of investment. The investments may include common stocks, preferredstocks, securities convertible into common stocks, U.S. dollar-denominated ADRs, and U.S. dollar-denominated foreign stockstraded on U.S. exchanges.

Fund Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Valuestocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods oftime. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market,economic or other developments. These risks may be magnified in foreign markets. Please consult the prospectus foradditional risk information specific to this fund.


Footnotes:● A mutual fund registered under American Beacon Funds, and managed by American Beacon Advisors, Inc. This description is


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American Funds Growth Fund of America Class R6

VRS Code: 85043

Fund Objective: A Growth mutual fund; the Morningstar Category is Large Growth.

Fund Strategy: The investment seeks capital growth by investing in common stocks. The fund invests primarily in commonstocks and seeks to invest in companies that appear to offer superior opportunities for growth of capital. It may invest a portionof its assets in securities of issuers domiciled outside the U.S. The fund may also hold cash or money market instruments.

Fund Risk: Growth stocks can perform differently from the market as a whole and can be more volatile than other types ofstocks. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market,economic or other developments. These risks may be magnified in foreign markets. Please consult the prospectus foradditional risk information specific to this fund.


Footnotes:● A mutual fund registered under Growth Fund of America Inc, and managed by Capital Research and Management Company.

This description is only intended to provide a brief overview of the fund. Read the fund’s prospectus for more detailedinformation about the fund.

Fidelity® Equity-Income Fund - Class K

VRS Code: 02085

Fund Objective: Seeks reasonable income. The fund will also consider the potential for capital appreciation. The fund seeks ayield for its shareholders that exceeds the yield on the securities comprising the S&P 500 Index.

Fund Strategy: Normally investing at least 80% of assets in equity securities. Normally investing primarily in income-producingequity securities, which tends to lead to investments in large cap "value" stocks.

Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments. Value stocks can perform differently from the market as a whole. Theycan remain undervalued by the market for long periods of time.


Footnotes:● A mutual fund registered under Fidelity Devonshire Trust, and managed by Fidelity Management Research Company


● The S&P 500® Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use byFidelity Distributors Corporation and its affiliates. It is an unmanaged index of the common stock prices of 500 widely held U.S. stocks that includes the reinvestment of dividends.

● On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those ofthe non-K, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher.

Fidelity® Low-Priced Stock Fund - Class K

VRS Code: 02095

Fund Objective: Seeks capital appreciation.

Fund Strategy: Normally invests primarily in common stocks. Normally investing at least 80% of assets in low-priced stocks(those priced at or below $35 per share), which can lead to investments in small and medium-sized companies. Potentiallyinvesting in stocks not considered low-priced. Investing in domestic and foreign issuers. Investing in either ’growth’ or ’value’stocks or both.

Fund Risk: Stock values fluctuate in response to the activities of individual companies, and general market and economicconditions. Foreign markets can be more volatile than the U.S. market due to increased risks of adverse issuer, political,regulatory, market, or economic developments and can perform differently from the U.S. market. You may have a gain or losswhen you sell your shares. The securities of small, less well-known companies may be more volatile than those of largercompanies. Investments in foreign securities involve risks in addition to those of U.S. investments, including increased politicaland economic risk, as well as exposure to currency fluctuations.

Fund short term trading fees: This fund has a Short-term Redemption Fee of 1.50% for shares held less than 90 days.

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Footnotes:● A mutual fund registered under Fidelity Puritan Trust, and managed by Fidelity Management Research Company ("FMR").

This description is only intended to provide a brief overview of the fund. Read the fund’s prospectus for more detailedinformation about the fund.


Franklin Small-Mid Cap Growth Fund Class Advisor

VRS Code: 22711

Fund Objective: A Growth mutual fund; the Morningstar Category is Mid-Cap Growth.

Fund Strategy: The investment seeks long-term capital growth. The fund normally invests at least 80% of net assets in equitysecurities of small-cap and mid-cap companies. Small-cap companies are companies within the market capitalization range ofcompanies in the Russell 2500 Index, and mid-cap companies are companies within the market capitalization range ofcompanies in the Russell Midcap Index. It may invest in equity securities of larger companies. The fund, from time to time, mayhave significant positions in particular sectors such as technology.

Fund Risk: Growth stocks can perform differently from the market as a whole and can be more volatile than other types ofstocks. The securities of smaller, less well-known companies can be more volatile than those of larger companies. Stockmarkets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or otherdevelopments. These risks may be magnified in foreign markets. Please consult the prospectus for additional risk informationspecific to this fund.


Footnotes:● A mutual fund registered under Franklin Strategic Series, and managed by Franklin Advisers, Inc. This description is only


● The Russell 2500™ Index is an unmanaged market capitalization-weighted index measuring the performance of the 2,500smallest companies in the Russell 3000 Index.

● The Russell Midcap® Index is an unmanaged market capitalization-weighted index of 800 medium-capitalization stocks. Thestocks are also members of the Russell 1000® index.

Spartan® 500 Index Fund - Institutional Class

VRS Code: 02327

Fund Objective: Seeks to provide investment results that correspond to the total return (i.e., the combination of capitalchanges and income) performance of common stocks publicly traded in the United States.

Fund Strategy: Normally investing at least 80% of assets in common stocks included in the S&P 500 Index, which broadlyrepresents the performance of common stocks publicly traded in the United States.

Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments.


Footnotes:● A mutual fund registered under Fidelity Concord Street Trust, and managed by Fidelity Management Research Company


● The S&P 500® Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use byFidelity Distributors Corporation and its affiliates. It is an unmanaged index of the common stock prices of 500 widely held U.S. stocks that includes the reinvestment of dividends.

● Initial offering of the Institutional Share Class took place on May 4, 2011. Returns prior to that date are those of the FidelityAdvantage Class and reflect the Fidelity Advantage Class’ expense ratio. Had the Institutional Class’ expense ratio beenreflected, total returns would have been higher.

Spartan® Extended Market Index Fund - Fidelity Advantage Class

VRS Code: 01521

Fund Objective: Seeks to provide investment results that correspond to the total return stocks of mid- to small-capitalizationUnited States companies.

Fund Strategy: Normally investing at least 80% of assets in common stocks included in the Dow Jones U.S. Completion TotalStock Market Index, which represents the performance of stocks of mid- to small-capitalization U.S. companies.

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Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments. Investments in smaller companies may involve greater risks than thosein larger, more well known companies.


Footnotes:● A mutual fund registered under Fidelity Concord Street Trust, and managed by Fidelity Management Research Company


● The Dow Jones U.S. Completion Total Stock Market Index is an unmanaged index that represents all U.S. equity issues withreadily available prices, excluding components of the S&P 500.

● On October 17, 2005, an initial offering of the Fidelity Advantage Share Class took place. Returns prior to that date are thoseof the Investor Class and reflect the Investors Class’ expense ratio. Had the Fidelity Advantage Class’ expense ratio beenreflected, total returns would have been higher.

T. Rowe Price Large Cap Core Growth Separate Account

VRS Code: 32926

Fund Objective: The Account seeks to provide long-term capital growth through investments in the common stocks of large-cap growth companies.

Fund Strategy: The Account will normally invest in approximately 100-150 growth companies. The Account will normally investat least 80% at the time of purchase of the Account’s total market value in large-cap companies. From a broad universe ofabout 1000 companies, the Account will target companies in fertile fields of growth that are believed by the Adviser to be wellestablished in their industries and to have potential for above-average earnings growth.

Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments. Growth stocks can perform differently from the market as a whole andother types of stocks and can be more volatile than other types of stocks. Unit, price, and return will vary.

Who may want to invest:● Someone who is looking for the growth of capital and potential dividend income that is characteristic of larger companies.

Footnotes:● The investment option is a managed separate account. It is managed by T. Rowe Price, which provided the description for

this portfolio. This description is only intended to provide a brief overview of the fund.


Dodge & Cox International Stock Fund

VRS Code: 46960

Fund Objective: A Foreign Stock mutual fund; the Morningstar Category is Foreign Large Value.

Fund Strategy: The investment seeks long-term growth of principal and income. The fund generally invests primarily in adiversified portfolio of equity securities issued by non-U.S. companies from at least three different foreign countries, includingemerging markets. It may invest at least 80% of total assets in common stocks, preferred stocks, securities convertible intocommon stocks, and securities that carry the right to buy common stocks of non-U.S. companies. The fund invests primarily inmedium-to-large well established companies based on standards of the applicable market.

Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Value stocks can perform differently than other types of stocks and can continue to beundervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response toadverse issuer, political, regulatory, market, economic or other developments. Please consult the prospectus for additional riskinformation specific to this fund.


Footnotes:● A mutual fund registered under Dodge & Cox Funds, and managed by Dodge & Cox. This description is only intended to

provide a brief overview of the fund. Read the fund’s prospectus for more detailed information about the fund.

Fidelity® Diversified International Fund - Class K

VRS Code: 02082

Fund Objective: Seeks capital growth.

Fund Strategy: Normally investing primarily in non-U.S. securities. Normally investing primarily in common stocks.

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Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate,economic, and political risks, all of which are magnified in emerging markets.


Footnotes:● A mutual fund registered under Fidelity Investment Trust, and managed by Fidelity Management Research Company



Templeton World Fund Class Advisor

VRS Code: 42508

Fund Objective: A World Stock mutual fund; the Morningstar Category is World Stock.

Fund Strategy: The investment seeks long-term capital growth. The fund invests primarily in the equity securities ofcompanies located anywhere in the world, including emerging markets. It normally invests in issuers located in at least threedifferent countries. The equity securities in which the fund invests are primarily common stocks. The fund may have significantpositions in particular countries or sectors although the investment manager searches for investments across a large number ofcountries and sectors from time to time, based on economic conditions.

Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Stock markets are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, economic or other developments. Please consult the prospectus for additional risk informationspecific to this fund.


Footnotes:● A mutual fund registered under Templeton Funds, and managed by Templeton Global Advisors Limited. This description is


Vanguard Total International Stock Index Fund Signal Shares

VRS Code: 77799

Fund Objective: A Foreign Stock mutual fund; the Morningstar Category is Foreign Large Blend.

Fund Strategy: The investment seeks to track the performance of a benchmark index that measures the investment return ofstocks issued by companies located in developed and emerging markets, excluding the United States. The fund employs a"passive management"-or indexing-investment approach designed to track the performance of the MSCI All Country World exUSA Investable Market Index, an index designed to measure equity market performance in developed and emerging markets,excluding the United States. The index includes more than 6,000 stocks of companies located in 44 countries.

Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Value and growth stocks can perform differently from other types of stocks. Growthstocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. Stock marketsare volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or otherdevelopments. Please consult the prospectus for additional risk information specific to this fund.


Footnotes:● A mutual fund registered under Vanguard Star Funds, and managed by Vanguard Group, Inc. This description is only


Fidelity BrokerageLink®

VRS Code: 99265

Fund Objective: A brokerage account within your retirement plan. This account is neither a mutual fund nor is it managed byany of the Fidelity Investments group of companies. Brokerage services are provided through Fidelity Brokerage Services LLC,a member of the New York Stock Exchange and Securities Investor Protection Corporation.

Fund Strategy: To provide a broad range of investment products that allow you to manage your retirement savings moreactively.

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Fund Risk: You alone decide how to invest the assets in your Fidelity BrokerageLink® account. You can invest in most listedstocks, options (if approved for options trading), corporate bonds, zero-coupon bonds, U.S. Treasury securities, mortgagesecurities and U.S. Government agency bonds, certificates of deposit, unit investment trusts, foreign securities, and othermutual funds (subject to the limitations of your particular plan). If you do not feel comfortable actively managing a portfolio ofindividual securities, you may find that your plan’s standard investment options may be more appropriate for you. There arecertain securities in which you cannot invest through your BrokerageLink account; check your BrokerageLink brochure for moreinformation. There are additional fees for investing in a BrokerageLink account. See your plan’s fact sheet for details.

Who may want to invest:● Someone who is comfortable with the increased risk of investing part of his or her retirement savings within a brokerage

account, and who is familiar with how a brokerage account operates.

● Someone who wants the highest degree of flexibility in selecting investments for his or her retirement savings.


VRS Code: 02173

Fund Objective: Seeks high total return until its target retirement date. Thereafter, the fund’s objective will be to seek highcurrent income and, as a secondary objective, capital appreciation.

Fund Strategy: Investing in a combination of underlying Fidelity domestic equity, international equity, bond, and short-termfunds using a moderate asset allocation strategy designed for investors expected to have retired around the year 2005.Allocating assets among underlying Fidelity funds according to an asset allocation strategy that becomes increasinglyconservative until it reaches approximately 15% in domestic equity funds, 5% in international equity funds, 40% in bond funds,and 40% in short-term funds (approximately 10 to 15 years after the year 2005). Ultimately, the fund will merge with FidelityFreedom K Income Fund.

Fund Risk: The investment risk of each Fidelity Freedom K Fund changes over time as its asset allocation changes. The fundsare subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. andabroad, and may be subject to risks associated with investing in high-yield, small-cap, commodity-linked, and foreignsecurities. Principal invested is not guaranteed at any time, including at or after the funds’ target dates.


Footnotes:● A mutual fund registered under Fidelity Aberdeen Street Trust, and managed by Strategic Advisers, Inc. This description is



VRS Code: 02174

Fund Objective: Seeks high total return until its target retirement date. Thereafter the fund’s objective will be to seek highcurrent income and, as a secondary objective, capital appreciation.

Fund Strategy: Investing in a combination of underlying Fidelity equity, fixed-income, and short-term funds using a moderateasset allocation strategy designed for investors expecting to retire around the year 2010. Allocating assets among underlyingFidelity funds according to an asset allocation strategy that becomes increasingly conservative until it reaches approximately15% in domestic equity funds, 5% in international equity funds, 35% in investment-grade fixed-income funds, 5% in high yieldfixed-income funds, and 40% in short-term funds (approximately 10 to 15 years after the year 2010). Ultimately, the fund willmerge with Freedom K Income Fund.

Fund Risk: The investment risks of each Fidelity Freedom K Fund changes over time as its asset allocation changes. They aresubject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and maybe subject to risks associated with investing in high yield, small cap, commodity-linked, and foreign securities. Principalinvested is not guaranteed at any time, including at or after their target dates.




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VRS Code: 02175


Fund Strategy: Investing in a combination of underlying Fidelity equity, fixed-income, and short-term funds using a moderateasset allocation strategy designed for investors expecting to retire around the year 2015. Allocating assets among underlyingFidelity funds according to an asset allocation strategy that becomes increasingly conservative until it reaches approximately15% in domestic equity funds, 5% in international equity funds, 35% in investment-grade fixed-income funds, 5% in high yieldfixed-income funds, and 40% in short-term funds (approximately 10 to 15 years after the year 2015). Ultimately, the fund willmerge with Freedom K Income Fund.

Fund Risk: The investment risks of each Fidelity Freedom K Fund changes over time as its asset allocation changes. They aresubject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and maybe subject to risks associated with investing in high yield, small cap, commodity-linked, and foreign securities. Principalinvested is not guaranteed at any time, including at or after their target dates.





VRS Code: 02176


Fund Strategy: Investing in a combination of underlying Fidelity equity, fixed-income, and short-term funds using a moderateasset allocation strategy designed for investors expected to retire around the year 2020. Allocating assets among underlyingFidelity funds according to an asset allocation strategy that becomes increasingly conservative until it reaches approximately15% in domestic equity funds, 5% in international equity funds, 35% in investment-grade fixed-income funds, 5% in high yieldfixed-income funds, and 40% in short-term funds (approximately 10 to 15 years after the year 2020). Ultimately, the fund willmerge with Freedom K Income Fund.

Fund Risk: The investment risks of each Fidelity Freedom K Fund changes over time as its asset allocation changes. The fundsare subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. andabroad, and may be subject to risks associated with investing in high-yield, small-cap, commodity-linked, and foreignsecurities. Principal invested is not guaranteed at any time, including at or after the funds’ target dates.





VRS Code: 02177





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VRS Code: 02178








VRS Code: 02179








VRS Code: 02180



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VRS Code: 02181








VRS Code: 02182


Fund Strategy: Investing in a combination of underlying Fidelity equity, fixed-income, and short-term funds using a moderateasset allocation strategy designed for investors expected to retired around the year 2050. Allocating assets among underlyingFidelity funds according to an asset allocation strategy that becomes increasingly conservative until it reaches approximately15% in domestic equity funds, 5% in international equity funds, 35% in investment-grade fixed-income funds, 5% in high yieldfixed-income funds, and 40% in short-term funds (approximately 10 to 15 years after the year 2050). Ultimately, the fund willmerge with Freedom K Income Fund.





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VRS Code: 02332


Fund Strategy: Investing in a combination of underlying Fidelity domestic equity, international equity, bond, and short-termfunds using a moderate asset allocation strategy designed for investors expecting to retire around the year 2055. Allocatingassets among underlying Fidelity funds according to an asset allocation strategy that becomes increasingly conservative until itreaches approximately 15% in domestic equity funds, 5% in international equity funds, 40% in bond funds, and 40% in short-term funds (approximately 10 to 15 years after the year 2055). Ultimately, the fund will merge with Fidelity Freedom K IncomeFund.

Fund Risk: The investment risks of each Fidelity Freedom K Fund changes over time as its asset allocation changes. The fundsare subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. andabroad, and may be subject to risks associated with investing in high-yield, small-cap, commodity-linked and foreign securities.Principal invested is not guaranteed at any time, including at or after the funds’ target dates.




Fidelity Freedom K® Income Fund

VRS Code: 02171

Fund Objective: Seeks high current income and, as a secondary objective, capital appreciation.

Fund Strategy: Investing in a combination of underlying Fidelity domestic equity, international equity, bond, and short-termfunds using a moderate asset allocation strategy designed for investors already in retirement. Allocating assets amongunderlying Fidelity fundsaccording to a stable target asset allocation strategy of approximately 15% in domestic equity funds,5% in international equity funds, 40% in bond funds, and 40% in short-term funds.

Fund Risk: The fund is subject to the volatility of the financial markets, including that of equity and fixed income investments.Fixed income investments entail issuer default and credit risk, inflation risk, and interest rate risk (as interest rates rise, bondprices usually fall and vice versa). This effect is usually more pronounced for longer-term securities. Principal invested is notguaranteed at any time, including at or after retirement.




The Danaher Corporation Stock Fund

VRS Code: 99718

Fund Objective: Seeks to increase the value of your investments over the long term by investing in the common stock of youremployer or its affiliate.

Fund Strategy: Normally invests primarily in the stock of Danaher Corporation, as well as in short-term investments. Yourownership is measured in units of the fund instead of shares of stock. The fund pools your money with that of other employeesto buy shares of stock in your employer or its affiliate and an amount of short-term investments designed to allow you to buy orsell without the usual trade settlement period for individual stock transactions. The amount of short-term investments is basedupon a target established by the plan sponsor, but the actual amount of short-term investments on any given business day willvary with the amount of cash awaiting investment and with participant activity in the fund (contributions, redemptions,exchanges, withdrawals, etc.) The value of your investment will vary depending on the performance of the company, the overallstock market, and the performance and amount of short-term investments held by the fund, less any expenses accrued againstthe fund.

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Fund Risk: If you invest a significant portion of your retirement savings in any one company or industry, your savings may notbe properly diversified. Although diversification is not a guarantee against loss, it can be an effective strategy to help youmanage investment risk. This is neither a mutual fund nor a diversified or managed investment option. Investing in a non-diversified single stock fund involves more risk than investing in a diversified fund. On days of unexpectedly heavy outflows, thefund may not have enough short-term investments for liquidity. If that happens, requests to sell units received by Fidelitybefore the market close on a business day may not be processed on that day. In that case, requested sales of units will besuspended and, as liquidity is restored, suspended transactions will be processed, generally on a first-in-first-out basis, at theclosing price for the processing date. In unusual circumstances, the fund may be closed to purchases or sales. As with anystock, the value of your investment may go up or down depending on how the company’s stock performs in the market. Unitprice and return will vary.The potential volatility of a non-diversified Company stock fund makes this investment option one of the riskiest investmentoptions available under any plan.

Who may want to invest:● Someone who wants to own part of the company they may work for and share in the gains or losses of its stock.

● Someone whose investment portfolio can withstand the higher risk of investment in a single stock.

Footnotes:● This investment option is a unitized company stock fund. This description is only intended to provide a brief overview of the

fund.

● You have the right to direct Fidelity Management Trust Company, ("The Trustee") concerning shareholder rights, such as theright to vote or tender, for shares attributable to the units of The Danaher Corporation Stock Fund credited to your account.The Trustee will hold your decision with respect to the exercise of shareholder rights in confidence, except to the extentrequired by law. In addition, Danaher Corporation will not review information concerning any individual participant’spurchase, holding or sale of The Danaher Corporation Stock Fund, unless required to fulfill its fiduciary obligations, or byapplicable law. The plan fiduciary responsible for monitoring compliance with the confidentiality procedures is: BenefitsCommittee of Danaher Corporation, 2200 Pennsylvania Avenue, NW Suite 800W, Washington, DC 20037, 202 828-0850.


You are not permitted to make a direct exchange from Managed Income Portfolio II Class 3 to Fidelity® Institutional MoneyMarket - Money Market Portfolio - Class I (considered "competing funds"). Before exchanging from Managed Income PortfolioII Class 3, you must first exchange to a "noncompeting" fund for 90 days. While these requirements may seem restrictive, theyare typically imposed by issuers such as insurance companies, banks, or other approved financial institutions, as a condition forissuing investment contracts to retirement plans.

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Plan Name: Danaher Corporation & Subsidiaries Plan #: 84521

Savings Plan

Incoming Rollover Instructions

If you have a balance in a former employer’s retirement plan

and/or an IRA and/or conduit (rollover IRA), you may want to

consider consolidating your assets in the Danaher Corporation

& Subsidiaries Savings Plan. Keeping your retirement savings

in a single plan can help simplify performance tracking, provide

greater convenience in making investment changes, and

minimize paperwork.

“Rolling over” money into the Danaher Corporation &

Subsidiaries Savings Plan is a three-step process. Please follow

these instructions to ensure that this process is completed in a

timely and accurate manner. Please note: Failure to follow

these instructions may result in a delay in the processing of

your request and may jeopardize your ability to roll over

your distribution.

Step 1. Request your distribution

Request the distribution from your previous employer-sponsored

plan, conduit IRA (rollover IRA), non-conduit IRA (traditional IRA,

Simplified Employee Pension plans [SEP-IRA]), or a “SIMPLE” IRA

distribution (made more than two years from the date you first

participated in the SIMPLE IRA). There are two distribution check

payable options:

Option 1:

The check can be made payable to Fidelity Investments

Institutional Operations Company, Inc. (or FIIOC), for the

benefit of (YOUR NAME). The check must be from the

distributing trustee or custodian. (Personal checks are not

acceptable.) Note: This type of distribution avoids automatic

income tax withholding. Also, it avoids the possible 10%

early withdrawal penalty if you are under the age of 59½.

Option 2:

If

Documents

YOUR GUIDE TO GETTING STARTED - Hach Company...Dear Danaher associate: It is our pleasure to offer you the opportunity to enroll in the Plan. Your retirement savings plan offers a