YOU, YOUR INVESTMENT ADVISOR, AND FIDELITY. The attention and support your financial future deserves

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1 YOU, YOUR INVESTMENT ADVISOR, AND FIDELITY The attention and support your financial future deserves

2 Personal attention for your financial future You have unique financial goals. The professional guidance and investment expertise of your investment advisor can help you invest responsibly through the years. To pursue your financial needs, your advisor has recommended Fidelity Investments Institutional Brokerage Group (IBG) as the custodian of your assets. 1

3 Reliable support from an industry leader You can count on Fidelity Investments half century of investment know-how and innovative thinking to provide investors like you with industry-leading products and service. With more than 53 million customer accounts, 2 Fidelity Investments has grown to be one of the most widely recognized names in financial services. The Institutional Brokerage Group (IBG) is a major contributor to the Fidelity Investments enterprise, with more than $675 billion in assets. 2 Working with IBG, your investment advisor can bring you the benefits of Fidelity s vast resources and proven expertise in the financial services industry. From unlimited asset protection insurance, to one of the widest offerings of investment options, to leading-edge technology, IBG gives you the reliable support your financial plan deserves. guidance 1 Assets invested through IBG are held in custody with National Financial Services LLC, a Fidelity Investments company. 2 As of May 31, 2000

4 Investment options that cover all bases By leveraging Fidelity s broad range of investment offerings, The Institutional Brokerage Group offers a full menu of brokerage and investment solutions. Your investment advisor can help you tailor, as well as monitor, an investment portfolio with these investment choices to help you meet your unique needs: Domestic and international securities, including stocks, bonds, and options More than 4,000 mutual funds from 350-plus fund families, more than 2,000 of which are available without paying a transaction fee to Fidelity 3 Asset protection Your account assets are covered by unlimited asset protection insurance. All securities in accounts carried by National Financial Services LLC (NFS), a Fidelity Investments company and the clearing arm of IBG, have coverage of up to $500,000 (limited to $100,000 for claims in cash) from the Securities Investor Protection 3 Other fees and expenses, including those which apply to continued investment in the fund, are described in the fund s current prospectus. Fidelity Brokerage Services, Inc. or its affiliate may receive remuneration for providing certain recordkeeping or shareholder services to these fund families. Fidelity reserves the right to charge a transaction fee under certain circumstances for funds otherwise available without paying such a fee to Fidelity. See the Commission Schedule for complete details.

5 Corporation (SIPC) and additional unlimited securities protection, in excess of SIPC coverage, through private insurance coverage provided by Fidelity. This coverage does not protect against a decline in the market value of securities. Therefore, it s wise to discuss your tolerance for risk with your investment advisor and invest responsibly. Consolidated statements To make your recordkeeping as seamless as possible, each month you trade, you will receive a single, consolidated statement summarizing all your stock, bond, and mutual fund positions. You will also receive: Confirmations by mail of all trades executed by your advisor on your behalf A year-end summary statement, plus 1099 tax forms and a 5498 form Efficiency and speed of advanced technology IBG shares with Fidelity an established track record in developing leading-edge technology to meet the needs of investment professionals and their clients. IBG s annual technology spending averages approximately $180 million, while Fidelity as a whole commits an average of more than $500 million. convenience

6 This advanced technology delivers capabilities to your advisor that make the investing process more efficient and less time consuming. So your advisor has more time to focus on helping you achieve all your financial goals. Among the many capabilities IBG delivers through its technology are: Automated, direct-to-market trading that helps to ensure speed and accuracy 4 Online investment updates of clients accounts Electronic portfolio planning tools Premium client service Supporting IBG s technology is a dedicated client service team that works closely with your advisor to ensure you enjoy: Expedited transaction processing Rapid response to inquiries Smooth handling of administrative details 4 Orders placed through Fidelity s Advisor CHANNEL software are sent directly to the markets via Fidelity s computer system that verifies the orders pass standard trading and account requirements. Response time may be subject to market conditions, volatility, or system capacity.

7 You, your investment advisor, and Fidelity The valuable investment insight of your advisor, along with industry-leading financial products and services of Fidelity Investments Institutional Brokerage Group, create a powerful combination to help you pursue your financial goals. Talk to your investment advisor today about transferring the custody of your financial assets to Fidelity Investments Institutional Brokerage Group.

8 For more complete information, including charges and expenses on any fund available through Fidelity, call or write for a free prospectus. Read it carefully before you invest or send money FMR Corp. All rights reserved. Advisor CHANNEL is a registered trademark of FMR Corp. Clearing, custody or other brokerage services may be provided by National Financial Services LLC, or Fidelity Brokerage Services LLC, Members NYSE, SIPC

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