New and improved education for a broad range of needs

1. New and improved education for a broad range of needs Make Sure I’m On Track Keep Me On Track Direct Me Through Big Changes Get Me Started In A New Job Enrollment, budgeting and debt management Establishing an investing strategy Planning for retirement and other financial goals Distribution and income planning needs • Designing Your Financial Roadmap* • Monitoring Your Portfolio • Remaining Confident in a Volatile Market • Planning for College • Creating a Plan for Lifetime Income in Retirement* • Establishing and Maintaining Your Estate Plan • Wise Choices for Your Old Workplace Savings • Getting on the Right Path with Your Workplace Savings • Taking Control of Your Personal Finances • Making the Most of Your Workplace Savings Transition • Wise Choices for Your Old Workplace Savings • Creating a Plan for Lifetime Income in Retirement* • Deciding What to do With Your Workplace Savings • Building a Portfolio for Any Weather • Allocating Your Workplace Savings • Evaluating Your Investment Options • Wise Choices for Your Old Workplace Savings Education on workplace plan fundamentals Education for retirement and beyond * A letter of direction (LOD) may be required

2. Engage employees through hands-on learning Our education programs are designed to address the unique needs of your employees by making education available through multiple channels. We’re able to engage your employees and bring them hands-on learning through self-paced online learning and live interactive session on the web or onsite. The most effective Education Action Plan includes a combination of these strategies and solutions to provide your employees with the flexibility to access education, no matter what financial decision they are facing. Make the most of in-person events Maximize the advantages of the Web On Demand Workshops Live Onsite Workshops Available on demand, virtually 24 hours a day, days a week Live sessions conducted onsite at your location • May be customized to include your plan’s specific details • Best for employees: • Who prefer self-paced online learning at their convenience • At various locations across the country • May be customized to include your plan’s specific details • Best for employees: • At a single-site organization or where there is a large concentration of employees Live Web Workshops Live, interactive sessions conducted online through NetBenefits® • May be customized to include your plan’s specific details • Best for employees: • At remote locations or those who travel • At various locations across the country Of employees have taken action and applied their newly learned skills after attending a meeting or self-paced program, either online or in person* 25% * Results based on Participant Measurement Data for the 3 year period ending on 12/31/2008. Fidelity Workplace Education Services.

3. Get me started in a new job—Helping new employees get on the right financial path

4. Make sure I’m on track—Helping active participants maximize their workplace plan

5. Keep me on track—Providing holistic guidance for active participants

6. Direct me through big changes—Reviewing distribution and retirement income options for separated employees

7. Important additional information • For plan sponsor use only. • Guidance is provided by Fidelity Representatives through the use of Fidelity’s suite of guidance tools, • these tools are educational tools and are not intended to serve as the primary or sole basis for your investment • or tax-planning decisions. • Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 • 537327.1.0