Fidelity® Cash Management Solutions

Fidelity® Cash Management Services

All the benefits you’d get from a traditional checking account. None of the drawbacks.

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 spend 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% on everyday purchases. 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 eligible 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 informa-tion about whether a particular registration is eligible, please call 1-800-FIDELITY (1-800-343-3548).

6 The APR may vary and as of 03/17/17, the variable APR for Purchases and Balance Transfers is 14.74%. The variable APR for Cash Advances is 24.74%. 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 example 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 Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917© 2017 FMR LLC. All rights reserved. 472037.10.0 1.854123.110 34/31651

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