Personal Investment Services. Supported by an industry leader

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1 Personal Investment Services Supported by an industry leader

2 To respond to your changing investment needs, the financial services landscape is also changing. Investors like you are taking more responsibility for determining your own retirement and investment strategy while demanding more from your financial service providers.

3 In addition, Commonwealth and NFS are members of the Securities Investor Protection Corporation (SIPC), a federal nonprofit corporation that protects customer assets in the unlikely event that a member broker/dealer should fail to meet its financial obligations. As a result, if your broker/dealer should fail, and NFS fails, cash awaiting reinvestment and all securities held in your account are protected in two ways: By SIPC coverage up to $500,000 (limited to $100,000 for claims in cash) By additional unlimited securities protection, in excess of SIPC coverage, through private insurance coverage provided by NFS Coverage does not protect against a decline in the market value of securities. Personalized and comprehensive When you invest with us, you can expect personalized service and professional advice. We are committed to helping you meet your investment needs today and tomorrow.

4 Bringing Wall Street to you Whether your primary provider of investment services is a brokerage firm, a financial institution, a financial planner, or an investment management firm, you have the right to expect more. More service, more products, and more attention to your needs. We offer you a comprehensive array of investment and financial products and services along with the personal assistance you want. As a local firm, we can provide more personalized service with broad access to many types of investment products. We can help develop, execute, and maintain your personal investment portfolio. But we can also offer you the depth of products and services associated with a larger firm due to our relationship with National Financial Services LLC (NFS) a Fidelity Investments company. NFS and Fidelity behind the scenes of every trade and statement You can feel confident that much of the critical trade processing, clearance, client reporting, and systems work backing your investment professional is performed by NFS, an industry leader. NFS processes tens of thousands of transactions for millions of investors like you every day. NFS has both the vision and the resources to provide you with innovative products and services for many years to come.

5 Strength, knowledge, leadership, experience We believe that we can deliver substantial benefits from the important service relationship we maintain with NFS. Knowing that every investor s account is being serviced with the commitment and resources of an industry leader allows us to focus on what we do best: provide the personalized guidance and comprehensive investment services you need to reach your goals. NFS reputation for delivering quality products and services is made available to you through Commonwealth and your investment professional. Fidelity Investments National Financial Services LLC Commonwealth Financial Network Your Investment Professional You, the Investor

6 Together with NFS, we offer you these benefits: The experience of an industry leader Complete investment reporting on one easyto-read, consolidated statement Checkwriting, with detail on the same statement Comprehensive tax reporting form (1099) for all investments Asset management accounts A range of retirement program options, including Premiere Select IRAs, SIMPLE IRAs, Roth IRAs, Profit Sharing and Money Purchase Plans, and SEP-IRAs Thousands of well-known class shares, including Fidelity Investments The protection of your assets NFS is a leading clearing firm and is subject to the rules and regulations of the Securities and Exchange Commission (SEC), the New York Stock Exchange (NYSE), the National Association of Securities Dealers (NASD), and other principal exchanges of which it is a member.

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8 For more complete information, including charges and expenses on any fund available through Fidelity, call or write for a free prospectus. Please read the prospectus carefully before you invest or send money. Clearing, custody, or other brokerage services may be provided by National Financial Services LLC, Member NYSE, SIPC. 29 Sawyer Road, Waltham, MA West A Street, Suite 1800, San Diego, CA