Fidelity Brokerage Services LLC, Member NYSE, SIPC © 2015 FMR LLC. All rights reserved.

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Investing involves risk, including risk of loss. Guidance provided is educational.1Fidelity Investments Customer Experience Index Score, Q3 2015.2LIMRA (Life Insurance Marketing and Research Association) Not-For-Profit Survey, Q3 2015 results. 3Primarily sourced from The New Advisor for Life, by Stephen D. Gresham, John Wiley & Sons, 2011, with permission to reprint.4There is a maintenance period when some services may not be available.

Retirement starts with a vision, and comes to life with a plan. And building

that plan with Fidelity can help you feel more confident about tomorrow.

Our guidance is a free benefit offered through your workplace plan.

We will take the time to get to know you — and your goals. Meet with

us one on one and you’ll be able to tap into the education, resources,

and support that only a trusted partner can provide.

Our guidance can help make sure you’re on the right path toward a future

that’s unique to you.

A life well lived deserves a retirement well planned.

We can help create the someday you imagine.

Here for you any time, anywhere.4

Whenever you need us, we’ll be available at a time that’s most convenient for you.

It’s all about what works best for your schedule.

Your Fidelity experience is always unique to your personal needs. You’ll find our skills

and service are the same in person or over the phone, and, of course, your discussions

are completely confidential. Plus, our guidance is free to you as an employee benefit.

Let’s get started.

Create your plan with Fidelity today.

Call 800-603-4015, 8:30 a.m. to midnight Eastern time,

schedule an appointment at getguidance.fidelity.com,

or visit NetBenefits.com.

Helping you answer the big questions.Fidelity can help you make decisions around planning for what’s next. In a one-on-one

appointment, we can help you address many questions, including these fundamentals:

Am I on track with my retirement savings?We’ll review your saving and investing strategy as it stands today and discuss how it will change as your needs evolve.

Am I investing properly?We can assess your financial situation to help you create an appropriate investment strategy for you today, and help you monitor the market and adjust your portfolio based on your needs and preferences.

How do I turn retirement savings into ongoing, steady income?We’ll help you build a retirement income plan — a document that’s as importantas a will because it helps you determine how to spend your hard-earned savings inretirement. Then we will meet with you annually to adjust your plan as your situation or needs shift with time.

90% of employees who receive guidance from Fidelity are “extremely” or “very” satisfied.1

What your colleagues

have to say:

Why Fidelity?Fidelity can help you plan for your someday by breaking the process down into manageable

steps. With us, planning is an ongoing conversation that adapts to changes in your life over

time. Whether starting on the Web through NetBenefits® or meeting with us in person or over

phone, it’s one consistent experience.

As you work with Fidelity, you’ll find that:

• We know the ins and outs of your workplace plan.

• We’ll enhance your investing knowledge with access to tools, workshops, and resources.

• Our representatives are friendly, informed, and not commission-based.

Having the following documents available will help us better understand your

unique situation. But for your first meeting, the only necessary element is you. The

important thing is to begin the journey.

o Your W-2 form (or other compensation document)

o Investment statements from other accounts

o Your Social Security statement

o Beneficiary information

o Anyone involved in your financial planning (spouse, friend, financial advisor, etc.)

Notes:

Helpful items to have on hand

The one place for all your financial needs

Because Fidelity manages retirement plans for more not-for-profit employees than any otherprovider,2 we understand that everyone’s needs are different. And your workplace plan is justpart of the equation.

We’ll help make sense of your priorities by looking at your total financial picture3 — from growing your money to turning savings into income. Then we’ll work together to create a strategy based on your situation, and help you address it by offering guidance on:

Investment Strategy

Retirement Planning

Income Protection

Asset Protection

Family Conversation

• Asset Allocation

• Tactical Allocation

• Tax-Efficient Investing

• Taxable Savings Strategy

• Savings Strategy

• Income Strategy

• Personal (Taxable, IRA, Annuity)

• Workplace Investments

• Social Security

• Disability

• Outliving Income

• Estate Planning

• Wills

• Trusts

• Wealth Transfer

• Charitable Giving

• Education

• Living Expenses: - Children

and parents

• Assisting Parents and Relatives