TTT West Coast, Inc. 401(k) Retirement Savings Plan

TTT West Coast, Inc. 401(k) Retirement Savings Plan ENROLL NOW TO TAKE FULL ADVANTAGE OF YOUR RETIREMENT SAVINGS PLAN BENEFITS

Save for retirement through TTT West Coast, Inc. 401(k) Retirement Savings Plan easily, regularly, and automatically. With all the responsibilities and financial priorities you might be juggling mortgage payments, parenthood, saving or paying for college, caring for parents, and more it can be easy to overlook the need to save for retirement. But it s important to set aside money for retirement as early and regularly as you can, because the quality of your retirement years could very well depend on how much you have been able to save. As you consider enrolling in TTT West Coast, Inc. 401(k) Retirement Savings Plan and selecting investment options for your account, please review this Enrollment Guide. It contains valuable information that may help you better understand the basics of investing, as well as help you make the most of your company's retirement savings plan. LOOK INSIDE FOR: How much you can save Participating in your plan Investment Spectrum Next Steps Beneficiary form Rollover contribution form Please review this information carefully. Fidelity resources to help you manage your retirement savings account: Visit www.401k.com Call the Fidelity Retirement Benefits Line at 1-800-835-5097 to use the automated voice response system. Contact Fidelity Representatives at 1-800-835-5097 who are available from 8:30 a.m. to 8:00 p.m. in your local time zone to assist you. Para ayuda en Español, comuniqúese con los representantes de Fidelity, quienes están a su disposición para ayudarle desde las 8:30 a.m. a las 8:00 p.m. en su huso horario local, llamando al número 1-800-587-5282.

how much CAN YOU SAVE A hypothetical illustration Hypothetical rate of return: 7% Time is money. These hypothetical charts illustrate the potential growth of your 401(k) savings if you start contributing to the Plan now. The columns compare monthly contributions of $50 and $100 and what you could potentially accumulate after 10 years and after 25 years. Hypothetical pretax account balance illustration $100,000 Tax-deferred earnings Your pretax contributions $90,000 $80,000 $70,000 $60,000 $50,000 $57,727 $40,000 $30,000 $28,863 $20,000 $10,000 $0 $2,691 $6,000 $5,383 $12,000 $15,000 Hypothetical pretax contribution rate $50 Contribution $100 Contribution $50 Contribution $100 Contribution 10 years 10 years 25 years 25 years Total hypothetical account balance $8,691 $17,383 $43,863 $87,727 $30,000 The Cost of waiting. Based on this hypothetical illustration and the assumptions below, if you put off contributing to your Plan for just five years, you ll likely have much less money in your 401(k) plan for retirement than if you start saving this year. In ten years you would have $4,290 less with a $50 monthly contribution and $8,580 less with a $100 monthly contribution. Enroll today. Sample enrollment guides omit the participant's name and contain hypothetical account information and data which is not indicative of a current participant's 401(k) retirement plan. Your hypothetical illustration is based on the following assumptions: You will remain employed and contribute at the indicated rates throughout the periods shown. The indicated contribution rate remains constant throughout the periods shown. Your account increases at the hypothetical annual rate of return of 7% compounded annually. You make neither withdrawals nor loans. All earnings are reinvested. IRS limits on compensation and pretax contributions apply. Current limits are indexed and adjusted for cost of living increases using a hypothetical inflation rate of 3% annually. If you are designated a highly compensated employee, additional limits may apply. All calculations assume contributions, including company match, are made the last day of the year. You are assumed 100% vested in your Plan. This hypothetical illustration is for educational purposes. Your actual benefits are provided solely according to the terms of the Plan. Your actual account balance at any point in the future will be determined by the contributions that have been made, any plan activity, and any investment increases or losses that may occur. The illustrations of future balances should in no way be construed to imply any guarantee of future employment. Values are for illustrative purposes only and do not reflect the performance of any particular investment. Your own investment returns may be greater or less than this hypothetical illustration, and income taxes, and in some cases penalties, will be due when you withdraw savings from the Plan. The actual rates of return for the periods shown will vary. Systematic investing does not ensure a profit nor guarantee against loss in declining markets. 3

PARTICIPATING IN Y OUR plan There are many benefits to participating in the TTT West Coast, Inc. 401(k) Retirement Savings Plan. One of the primary benefits is that you will receive help reaching your financial goals for retirement. By reviewing the important information in this guide and visiting Fidelity NetBenefits at www.401k.com, you can take advantage of what your company and Fidelity have to offer. When am I eligible for the Plan? You are eligible to participate in the Plan if: you complete 3 months of service and you are not: - covered by a collective bargaining agreement (unless the agreement specifically provides for you to be covered by the plan) - a leased employee - All employees in a job classification covered by a collective bargaining agreement for which retirement benefits have been the subject of good faith negotiations (unless the collective bargaining agreement specifically provides for eligibility under the Plan); and Individuals paid through payroll services company, such as Cast & Crew or BTL Payroll, Inc., for services rendered for the Employer shall be eligible notwithstanding the general exclusion of Leased Employees set forth in Section 1.03(a)(3)(B)(iii); and Any individual who provides services as an independent contractor (with payments made either to you as an individual or to your corporation), even if the individual is subsequently deemed to be a common-law employee for any other purpose; and employees who have an employment contract of less than three (3) years. How do I enroll? To enroll, log on to Fidelity NetBenefits at www.401k.com. Please also complete the beneficiary form and return it to your company s benefits department. and may be subject to risks associated with investing in high yield, small cap and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. When is my enrollment effective? Once you satisfy this requirement you will become a participant in the Plan on the first day of the following month. How much can I contribute? Through automatic payroll deduction, you may contribute between 1% and 60% of your eligible pay on a pretax basis, up to the annual IRS dollar limit (2010 = $16,500). You may change your deferral percentage as applicable on the first day of each month. In addition, you can automatically increase your retirement savings plan contributions each year through the Annual Increase Program. To sign up, go to Payroll Deductions on NetBenefits, or call the plan s toll-free number for more information. If you are age 50 or over by the end of the calendar year and have reached the annual IRS limit or Plan's maximum contribution limit for the year, you may make additional salary deferral contributions to the Plan up to the IRS Catch Up Provision Limit (2010 = $5,500). To change your contribution percentage, go to the Savings & Retirement tab on NetBenefits, and enter your new contribution percentage. Remember to choose your investment options when you enroll. If you do not select an investment, your Plan Administrator has directed Fidelity to place your contributions in the Fidelity Freedom Funds which are designed for investors expecting to retire around the year indicated in each fund's name. The investment risks of each fund changes over time as its asset allocation changes. They are subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad 4 For more information about your plan, go to www.401k.com

Can I roll my prior employer s retirement plan account into this one? You may be permitted to roll over assets into this Plan from a previous employer's retirement plan or an IRA. To complete a rollover in the Plan follow these easy steps: Contact your prior plan provider to request a rollover distribution Rollover check issued should be made payable to Fidelity Management Trust Company FBO: your name and sent to you Complete the Fidelity Rollover contribution form provided in the back of this Enrollment Guide Return both the Fidelity rollover contribution form and the check from your prior plan to your current plan administrator so they may authorize the contribution When am I vested? The term "vesting" refers to the portion of your account balance that you are entitled to under the plan's rules. You are always 100% vested in your: - employee pretax account - rollover account - and any earnings thereon. Can I take a loan* from my account? Loans from your Plan account are also available. Generally, you may borrow the lesser of 50% of your vested account balance or $50,000. Any outstanding loan balances over the previous 12 months may reduce the amount you have available to borrow. The minimum loan amount for the plan is $1,000. Loan repayments (plus interest) to your plan account are automatically deducted from your pay through after-tax payroll deduction. You may have one loan outstanding at one time. Failure to pay off loans in a timely manner will make them subject to income tax and possibly early withdrawal penalties. Be sure you understand the plan guidelines and impact of taking a loan before initiating a loan from your plan account. *Additional fees may apply. Can I make withdrawals from my account? Withdrawals from the Plan are generally permitted in the event of termination of employment, severe financial hardship, or death. Keep in mind that withdrawals are subject to income taxes and possibly to early withdrawal penalties. How do I access my account? Through Fidelity NetBenefits at www.401k.com you have access to your account information, retirement planning tools, and e-learning workshops that provide you access to self-paced training on savings and investing principles. You can also obtain account statements through Fidelity upon request. You may call the Retirement Benefits Line at 1-800- 835-5097 between 8:30 a.m. and 8:00 p.m. in your time zone on any business day for more information on your account. Fidelity Representatives can assist you with transactions and answer many of your questions regarding retirement savings. How do I plan? Through Fidelity NetBenefits at www.401k.com you have access to your account information and retirement planning tools including: Live and self-paced learning workshops. The workshops cover a variety of topics including determining your retirement savings needs, evaluating your investment options and keeping your investment strategy on track to help you achieve your retirement goals. The Retirement Check Up which provides you with a snapshot in time of your financial situation and shows how your current planning strategy can impact potential accumulated money tomorrow.* *To find the Retirement Check Up and a suite of planning tools go to the Tools and Learning section on NetBenefits. 5

In addition, you can take advantage of local Investor Centers by scheduling time with a Fidelity Representative to discuss your total investment needs beyond your retirement savings plan. Or, if you prefer, call 1-800-Fidelity for a complimentary portfolio review. *The tool's illustrations result from running a minimum of 250 hypothetical market simulations. The market return data used to generate the illustration is intended to provide you with a general idea of how asset mixes have performed historically. Our analysis assumes a level of diversity within each asset class consistent with a market index benchmark that may differ from the diversity of your own portfolio. Please note that the projections do not reflect the impact of any transaction costs or management and servicing fees; if these had been included, the projected account balances would have been lower. IMPORTANT: The projections or other information generated by the Retirement Checkup regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time. How do I change my investment options? You may request investment changes (exchanges) or redirect future contributions among investment options any business day as determined by the Financial Industry Regulatory Authority on line through Fidelity NetBenefits at www.401k.com or by calling the Retirement Benefits Line at 1-800-835-5097. Create an Asset Allocation that s right for you:! You can create an asset allocation strategy by using Portfolio Review located in the Tools and Learning section of NetBenefits {MgdIncPort}Exchanges from the Managed Income Portfolio* to certain bond or money market funds (considered "competing funds"), must first be exchanged to an option that is "non-competing," such as an equity mutual fund. After 90 days, you can then exchange to a "competing fund". Please contact your Plan Administrator or a Fidelity Representative at 1-800-835-5097 for more information. *The Managed Income Portfolio is not a mutual fund, but is a commingled pool of the Fidelity Group Trust for Employee Benefit Plans. It is managed by Fidelity Management Trust Company. {/MgdIncPort} How do I manage my account? Through Fidelity NetBenefits at www.401k.com you may sign up to receive alerts via email when your retirement savings account strays from the investment allocation you established. As mentioned in the How Much Can I Contribute section, you can automatically increase your retirement savings plan contributions each year through the Annual Increase Program. To sign up, go to Payroll Deductions on NetBenefits, or call the plan s toll-free number for more information. Your plan offers Fidelity Portfolio Advisory Service at Work, a managed account service that lets you delegate the day-to-day management of your workplace savings plan account to professional investment managers. Fidelity s experienced professionals evaluate the investment options available in your plan and identify a model portfolio of investments appropriate for an investor like you. The Service then invests your account to align with this model portfolio and provides ongoing management of your account to address changes in the markets, your plan s investment lineup, and changes in your personal or financial situation. With a managed account you can take advantage of Fidelity s resources and experience to help ensure that: Your investments are managed through the ups and downs of the market, You re keeping your accounts aligned with your goals through annual reviews and check-ins. Your account is actively managed to create an opportunity for long-term gains while managing the risk associated with investing. To see if Fidelity Portfolio Advisory Service at Work is right for you, log onto NetBenefits at https://netbenefits.fidelity.com/pas where you can easily enroll in the Service and learn more. 6 For more information about your plan, go to www.401k.com

Fidelity Portfolio Advisory Service at Work is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. This service provides discretionary money management for a fee. Please note that performance of the model portfolios depends on the performance of the underlying investment options. These investments are subject to the volatility of the financial markets in the U.S. and abroad and may be subject to additional risks with investing in high yield, small cap and foreign securities. 7

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INVESTMENT options Before investing in any mutual fund, please carefully consider the investment objectives, risks, charges and expenses. For this and other information, call or write Fidelity for a free prospectus. Read it carefully before you invest. What follows is an introduction to the investment options you can choose for your plan account. You can spread your investments among several options to take advantage of what each has to offer and help balance different types of risk. Reviewing this information can help you understand and compare your options. For more complete information about any of the mutual funds available through the plan, including fees and expenses, log on to Fidelity NetBenefits at www.401k.com or by calling the Retirement Benefits Line at 1-800-835-5097 for prospectuses. Read them carefully before you invest. More Conservative Categories to the left have potentially more inflation risk and less investment risk More Aggressive Categories to the right have potentially less inflation risk and more investment risk Money Market Stable Value Bond Balanced / Hybrid Domestic Equities International / Global Equity Specialty Company Stock " Managed Income Portfolio *" PIMCO Total Return Fund III - Administrativ e Class " Fidelity U.S. Bond Index Fund Large Value Large Blend Large Growth *" Eaton Vance " Spartan " Fidelity Blue Large Cap 500 Index Chip Growth Value Fund Fund Fund Class A Investor " Fidelity Class Contrafund " Fidelity Growth Company Fund " Fidelity Diversified International Fund " Fidelity International Discovery Fund " Spartan International Index Fund Mid Value Mid Blend Mid Growth " Fidelity Leveraged Company Stock Fund " Fidelity Low-Priced Stock Fund " Spartan Extended Market Index Fund Investor Class *" Artisan Mid Cap Fund *" Rainier Small/Mid Cap Equity Portfolio Small Value Small Blend Small Growth *" RS Partners Fund Class A " Fidelity Small Cap Indep. Fund This spectrum, with the exception of the Domestic Equity category, is based on Fidelity s analysis of the characteristics of the general investment categories and not on the actual investment options and their holdings, which may change frequently. Investment options in the Domestic Equity category are based on the options Morningstar categories as of the most recent calendar quarter. Morningstar categories are based on a fund s style as measured by its underlying portfolio holdings over the past three years and may change at any time. These style calculations do not represent the investment options objectives and do not predict the investment options future styles. Investment options are listed in alphabetical order within each investment category. Risk associated with the investment options may vary significantly within each particular investment category, and the relative risk of categories may change under certain economic conditions. For a more complete discussion of risk associated with the mutual fund options, please read the prospectuses before making your investment decision. The spectrum does not represent actual or implied performance. *This fund may assess an annual or quarterly fee. Refer to your Summary Plan Description for the actual fee. 9

Additional Investment Options: Fidelity Freedom Funds are lifecycle funds which are designed to provide a retirement target-date investment option for investors who don't want to go through the process of picking several funds. Freedom Funds use a mix of Fidelity funds to achieve a diversified allocation of stock, bond and short-term investments. Fidelity Freedom Funds are designed for investors expecting to retire around the year indicated in each fund's name. The investment risks of each fund changes over time as its asset allocation changes. They are subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, small cap and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Categories to the left have potentially more inflation risk and less investment risk Categories to the right have potentially less inflation risk and more investment risk Target Date 2000-2014 Target Date 2015-2030 Target Date 2031+ Fidelity Freedom 2000 Fund Fidelity Freedom 2015 Fund Fidelity Freedom 2035 Fund Fidelity Freedom 2005 Fund Fidelity Freedom 2020 Fund Fidelity Freedom 2040 Fund Fidelity Freedom 2010 Fund Fidelity Freedom 2025 Fund Fidelity Freedom 2045 Fund Fidelity Freedom Income Fund Fidelity Freedom 2030 Fund Fidelity Freedom 2050 Fund The lifecycle funds are represented on a separate spectrum because each investment option (except the income fund, if applicable) will gradually adjust its asset allocation to be more conservative as the investment option approaches and moves beyond its target retirement dates. Generally, those investment options with later target retirement dates have greater equity exposure and more risk than those with earlier target retirement dates. Please Note: Freedom Fund 2045 and Freedom Fund 2050 may not be available through your plan. 10 For more information about your plan, go to www.401k.com

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NEXT steps To learn more about TTT West Coast, Inc. 401(k) Retirement Savings Plan and to enroll, visit www.401k.com or call 1-800-835-5097. Just follow the simple web navigation steps illustrated below or the Retirement Benefits Line phone prompts to enroll. If you have any questions about the enrollment process or need assistance, call 1-800-835-5097 to speak with a Fidelity Representative from 8:30 a.m. to 8:00 p.m. in your local time zone. Step 1: Visit Fidelity NetBenefits at www.401k.com and click on "Need Help?" For illustrative purposes only. Step 2: Set up a personal identification number (PIN). If you have not previously established a PIN, you must create one for security purposes. Click on "New User Registration for customers who have never logged in" and follow the directions. If you already have a PIN set up, log in and continue on to Step 3. Please note: you will be prompted to enter your email address. For illustrative purposes only. Step 3: Click on the "Click here to enroll" link on the NetBenefits Home Page to continue enrolling. For illustrative purposes only. Step 4: Choose "Enroll Now" on the Enrollment Welcome page. For illustrative purposes only. 12 For more information about your plan, go to www.401k.com

Step 5: "Enter the percentage you want to contribute." You can use the Take-Home Pay Calculator to determine what effect your contribution has on your pay. Enter contribution amount and then click "Continue". For illustrative purposes only. Step 6: Choose your investment options. You can view performance information for each investment option by clicking on the investment name. Please note that before investing you ll also want to view a mutual fund prospectus online -- or request a hard copy -- for each mutual fund in which you want to invest through the plan. Once you select your investment options, click "Continue". For illustrative purposes only. Step 7: "Review and Submit" your enrollment information. Review your enrollment information carefully. You have an opportunity to make a change from this page. Click "Submit" at the bottom of this page and receive an online confirmation of your enrollment. Remember to complete the beneficiary form enclosed at the end of this booklet. Sign and return the form to your employer's benefits department. For illustrative purposes only. 13

DESCRIPTIONS OF INVESTMENT options STABLE VALUE FUNDS Managed Income Portfolio 0632 What it is: A stable value fund (not a mutual fund). It is a commingled pool of the Fidelity Group Trust for Employee Benefit Plans and is managed by Fidelity Management Trust Company (FMTC). Goal: Seeks to preserve your principal investment while earning interest income. MIP will try to maintain a stable $1 unit price, but it cannot guarantee that it will be able to do so. The yield of MIP will fluctuate. What it invests in: MIP invests in investment contracts (wrap contracts) issued by insurance companies and other financial institutions, fixed income securities, and money market funds to provide daily liquidity. Investment contracts are designed to permit the use of book value accounting to maintain a constant $1 unit price and to provide for the payment of participant-directed withdrawals and exchanges at book value (principal and interest accrued to date) during the term of the investment contracts. However, withdrawals prompted by certain events (e.g., termination of MIP, changes in laws or regulations) may be paid at market value which may be less than book value. Wrap contracts are purchased in conjunction with an investment by MIP in fixed income securities, which may include, but are not limited to, U.S. Treasury and agency bonds, corporate bonds, mortgage-backed securities, commercial mortgagebacked securities, asset-backed securities, and bond funds. MIP may also invest in futures contracts, option contracts, and swap agreements. FMTC, as investment manager and trustee of the Fidelity Group Trust for Employee Benefit Plans, has claimed an exemption from registration under the Commodity Exchange Act and is not subject to registration or regulation under the Act. There is no immediate recognition of investment gains and losses on the fixed income securities. Instead, gains and losses are recognized over time by adjusting the interest rate credited to MIP under the wrap contracts. All investment contracts and fixed income securities purchased for MIP must satisfy FMTC's credit quality standards. The investment contract and fixed income security commitments are backed solely by the financial resources of the issuer. Although MIP seeks to maintain a stable $1 unit price, it is possible to lose money by investing in MIP. MIP's yield will fluctuate. Who may want to Invest: Someone who wants to try for a slightly higher yield than is offered by money market funds and who is willing to accept slightly more investment risk. An investment in MIP is not insured or guaranteed by FMTC, the plan sponsor, the FDIC, or any other government agency. 14 For more information about your plan, go to www.401k.com

BOND FUNDS Fidelity U.S. Bond Index Fund 0651 PIMCO Total Return Fund III - Administrative Class OQTW What it is: An income mutual fund. Goal: Seeks to provide investment results that correspond to the total return of the bonds in the Barclays Capital U.S. Aggregate Bond Index. What it invests in: Primarily invests at least 80% of its assets in bonds included in the Barclays Capital U.S. Aggregate Bond Index. In general, bond prices rise when interest rates fall, and vice versa. This effect is usually more pronounced for longer-term securities. Share price and return will vary. Who may want to Invest: Investors who are looking for a higher return than a money market fund, and who are willing to accept the greater investment risk of bonds of companies and government agencies. The Barclays Capital U.S. Aggregate Bond Index is an unmanaged market valueweighted index of investment-grade fixed-rate debt issues, including government, corporate, asset-backed, and mortgage-backed securities, with maturities of one year or more. What it is: An income mutual fund. Goal: To provide high total return that exceeds general bond market indices. What it invests in: What it invests in: All types of investment-grade bonds, including U.S. government, corporate, and mortgage. While the fund maintains an average portfolio duration of 3 to 6 years (approximately equal to an average maturity of 5 to 12 years), investments may also include short- and long maturity bonds. Duration estimates how much a bond's price fluctuates with changes in comparable interest rates. Other factors can also influence a bond fund's performance and share price. In general, bond market is volatile, bond prices rise when interest rates fall and vice versa. This effect is usually pronounced for longer-term securities. Share price, yield and return will vary. Who may want to Invest: Someone who is looking for a basic fixed income investment, and who is interested in the diversification offered by this approach to bond investing. Managed by Pacific Investment Management Company, which provided the description for this fund. 15

DOMESTIC EQUITY FUNDS Artisan Mid Cap Fund What it is: A domestic equity mutual fund. OMVM Goal: Seeks maximum long-term capital growth. What it invests in: Primarily invests in a diversified portfolio of stocks of mid-sized US companies that the investment manager identifies as well positioned for long-term growth, reasonably priced by the market and at an early stage in their profit cycle. Artisan Mid Cap Fund seeks companies that the manager believes hold an established franchise and demonstrate strong growth characteristics. Under normal market conditions, the fund invests at least 80% of its net assets in the common stocks of medium-sized companies and the fund defines a medium-sized company as one with a market capitalization larger than the smallest company in the Russell Midcap Index and no higher than three times the weighted average market capitalization of companies in the index. The fund generally maintains median and weighted average market capitalizations of less than $10 billion. Investments in mid-sized companies may involve greater risks than those in larger, better known companies, but may be less volatile than investments in smaller companies. Share price and return will vary. Who may want to Invest: Someone whose money will be invested over the long term and who is comfortable with the fluctuations of investing in growth stocks. Managed by Artisan Partners Limited Partnership, which provided the description for this fund. The Russell Midcap Index is an unmanaged market capitalization-weighted index of 800 medium-capitalization stocks. The stocks are also members of the Russell 1000 Index. Eaton Vance Large Cap Value Fund Class A OSAU What it is: A domestic equity mutual fund. Goal: The objective of the fund is to seek total return. What it invests in: Under normal conditions, the fund's net assets will be invested in equity securities of companies with varying market capitalizations, and may include small-, mid- and large-capitalization companies. The fund may invest up to 35% of its assets in securities of non-u.s. domiciled companies, and up to 10% of its net assets in the equity securities of companies domiciled in emerging markets. The fund may also invest in convertible securities. Investments in mid-sized companies may involve greater risks than those in larger, more well known companies, but may be less volatile than investments in smaller companies. Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. This risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluctuation. Share price and return will vary. Who may want to Invest: Someone who wants the potential for long-term growth of capital. Managed by Boston Management and Research (BMR), which provided the description for this fund. The Russell 1000 Value Index is an unmanaged market capitalization-weighted index of value-oriented stocks of the largest U.S. domiciled companies that are included in the Russell 1000 Index. Value-oriented stocks tend to have lower price-to-book ratios and lower forecasted growth values. 16 For more information about your plan, go to www.401k.com

Fidelity Blue Chip Growth Fund 0312 What it is: A growth mutual fund. Goal: Seeks to provide growth of capital over the long term. What it invests in: Primarily invests in common stocks of well-known and established companies. Normally invests at least 80% of its assets in blue chip companies (those with a market capitalization of at least $200 million if the company's stock is included in the S&P 500 Index or the Dow Jones Industrial Average, or $1 billion if not included in either index). The fund may also invest in companies that the manager believes have above-average growth potential. The fund may invest in securities of domestic and foreign issuers. Share price and return will vary. Who may want to Invest: Someone who wants the potential for long-term growth, and who is willing to ride out the fluctuation of the stock market for the potential of a higher return. The Dow Jones Industrial Average is an unmanaged index composed of common stocks of major industrial companies, and assumes reinvestment of dividends. The S&P 500 Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use by Fidelity Distributors Corporation and its affiliates. It is an unmanaged index of the common stock prices of 500 widely held U.S. stocks that includes the reinvestment of dividends. Fidelity Contrafund 0022 Fidelity Growth Company Fund 0025 What it is: A growth mutual fund. Goal: Seeks to provide capital appreciation. What it invests in: Primarily invests in common stocks. The fund may invest in securities of domestic and foreign issuers whose value the fund's manager believes is not fully recognized by the public. The fund may invest in "growth" or "value" stocks, or both. Share price and return will vary. Who may want to Invest: Someone who wants the potential for long-term growth, and who is willing to ride out the fluctuation of the stock market for the potential of a higher return. What it is: A growth mutual fund. Goal: Seeks to provide capital appreciation. What it invests in: Primarily invests in common stocks. The fund invests in companies that the manager believes have above-average growth potential. The fund may invest in securities of domestic and foreign issuers. Share price and return will vary. Who may want to Invest: Someone who wants the potential for long-term growth, and who is willing to ride out the fluctuation of the stock market for the potential of a higher return. 17

Fidelity Leveraged Company Stock Fund 0122 Fidelity Small Cap Indep. Fund 0336 What it is: A growth mutual fund. Goal: Seeks to provide capital appreciation. What it invests in: Primarily invests at least 80% of its assets in common stocks of leveraged companies (companies that issue lower-quality debt and companies with leveraged capital structures). The fund may also invest in lower-quality debt securities. Issuers of lower-quality debt and companies with leveraged capital structures may be in adverse, difficult, or uncertain financial condition, and may be involved in bankruptcy proceedings, reorganizations, or financial restructuring. Leverage can magnify the impact of adverse issuer, political, regulator, market, or economic developments on a company. A decrease in the credit quality of a highly leveraged company can lead to a significant decrease in the value of the company's securities. Lower-quality debt securities involve greater risk of default or price changes due to potential changes in the credit quality of the issuer. The fund may invest in securities of domestic and foreign issuers. If you sell any of your shares after holding them for less than 90 days, the fund will deduct a short-term trading fee from your account equal to 1.5% of the value of the shares sold. Share price and return will vary. Who may want to Invest: Someone who is willing to accept greater share-price fluctuation, and who plans to invest for the long term. What it is: A growth mutual fund. Goal: Seeks to provide capital appreciation. What it invests in: Primarily invests in common stocks. Normally invests at least 80% of its assets in securities of companies with small market capitalization (those with market capitalization similar to companies in the Russell 2000 Index or the S&P SmallCap 600 Index). Investments in smaller companies may involve greater risk than those in larger, more well known companies. The fund may invest in securities of domestic and foreign issuers. If you sell any of your shares after holding them for less than 90 days, the fund will deduct a short-term trading fee from your account equal to 1.5% of the value of the shares sold. Share price and return will vary. Who may want to Invest: Someone who wants to focus on small-capitalization stocks in search of above-average returns. The Russell 2000 Index is an unmanaged market capitalization-weighted index of 2,000 small company stocks of U.S. domiciled companies. The S&P SmallCap 600 Index is an unmanaged index that consists of 600 domestic stocks chosen for market size, liquidity, and industry group representation. It is a market-value weighted index, with each stock's weight in the Index proportionate to its market value. Fidelity Low-Priced Stock Fund 0316 What it is: A growth mutual fund. Goal: Seeks to provide capital appreciation. What it invests in: Primarily invests at least 80% of its assets in low-priced stocks (those priced at or below $35 per share), which can lead to investments in small and medium-sized companies. The fund may potentially invest in stocks not considered low priced. Investments in smaller companies may involve greater risk than those of larger, more well known companies. The fund may invest in securities of domestic and foreign issuers. The fund may invest in "growth" or "value" stocks, or both. If you sell any of your shares after holding them for less than 90 days, the fund will deduct a short-term trading fee from your account equal to 1.5% of the value of the shares sold. Share price and return will vary. Who may want to Invest: Someone with a conservative portfolio who is interested in investing part of his or her money more aggressively. 18 For more information about your plan, go to www.401k.com

Rainier Small/Mid Cap Equity Portfolio OF2W What it is: An aggressive growth mutual fund. Goal: Seeks to provide long-term capital growth. What it invests in: Primarily invests in small and mid-sized equity securities, ranging from approximately $100 million to $12 billion in market capitalization. The portfolio will not invest in highly speculative or illiquid stocks. To control risk, the portfolio avoids extreme overweighting or underweighting in any one sector of the Russell Midcap Index. To diversify, the portfolio consists of 100-150 different stocks, each making up a relatively small portion of the portfolio. The Advisor's Growth-At-A- Reasonable-Price (GARP) investment philosophy allows the portfolio to invest in companies with superior earnings growth at attractive prices. Investments in smaller companies may involve greater risk than those in larger, more well-known companies. Share price and return will vary. Who may want to Invest: Someone who wants to focus on small- and mediumcapitalization stocks in search of above-average returns. Managed by Rainier Investment Management, Inc., which provided the description for this fund. The Russell Midcap Index is an unmanaged index of 800 medium capitalization stocks. RS Partners Fund Class A OQWY Spartan 500 Index Fund Investor Class 0650 What it is: A small-cap value equity mutual fund. Goal: Seeks to provide long-term growth. The fund seeks to increase shareholder capital over the long term. What it invests in: Primarily invests in equity securities of companies with market capitalizations of up to $3 billion that RS Investments believes are undervalued. In evaluating investments for the Fund, RS Investments employs a return on capital analysis, combining balance sheet and cash flow analysis. The Fund typically invests most of its assets in securities of U.S. companies, but may also invest any portion of its assets in foreign securities. The Fund is a non-diversified mutual fund. Value stocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods of time. Share price and return will vary. Who may want to Invest: Someone who wants to focus on small capitalization stocks in search of above average returns. Managed by RS Investment Management Co. LLC, which provided the description for this fund. What it is: An index mutual fund. Goal: Seeks to provide investment results that correspond to the total return (i.e., the combination of capital changes and income) performance of common stocks publicly traded in the United States. What it invests in: Normally invests at least 80% of its assets in common stocks included in the S&P 500 Index, which broadly represents the performance of common stocks publicly traded in the United States. Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Share price and return will vary. Who may want to Invest: Someone willing to ride out stock market fluctuations for potentially high long-term return. As of January 22, 2010, this fund changed its name from Spartan U.S. Equity Index Fund - Investor Class. The S&P 500 Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use by Fidelity Distributors Corporation and its affiliates. It is an unmanaged index of the common stock prices of 500 widely held U.S. stocks that includes the reinvestment of dividends. 19

Spartan Extended Market Index Fund Investor Class 0398 What it is: An index mutual fund. Goal: Seeks to provide investment results that correspond to the total returns of stocks of small to mid-cap U.S. companies. What it invests in: Normally invests at least 80% of its assets in common stocks included in the Dow Jones U.S. Completion Total Stock Market Index SM, which represents the performance of stocks of mid- to small capitalization U.S. companies. Investments in smaller companies may involve more risk than those of larger, more well known companies. If you sell any of your shares after holding them for less than 90 days, the fund will deduct a short-term trading fee from your account equal to 0.75% of the value of the shares sold. Share price and return will vary. Who may want to Invest: Someone who is willing to ride out stock market fluctuation in pursuit of potentially high long-term returns. The Dow Jones U.S. Completion Total Stock Market Index SM is an unmanaged, floatadjusted market capitalization-weighted index of substantially all securities of U.S.- headquartered companies with readily available price data, except those included in the Standard & Poors 500 Index (S&P 500). INTERNATIONAL/GLOBAL FUNDS Fidelity Diversified What it is: A growth mutual fund that invests internationally. International Fund Goal: Seeks to provide capital growth. 0325 What it invests in: Primarily invests in common stocks of foreign companies. Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. This risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluctuation. If you sell your shares after holding them for less than 30 days, the fund will deduct a short-term trading fee from your account equal to 1% of the value of the shares sold. Share price and return will vary. Who may want to Invest: Someone who is comfortable with the high investment risk and potential rewards involved in investing overseas, as well as with the investment risk involved in any growth mutual fund. Fidelity International Discovery Fund 0305 What it is: A growth and income mutual fund that invests internationally. Goal: Seeks to provide long-term growth of capital. What it invests in: Primarily invests in foreign securities. The fund normally invests a majority of its assets in common stocks, with a focus on those that pay current dividends and show potential for capital appreciation. The fund may potentially invest in debt securities, including lower-quality debt securities. Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. This risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluctuation. Lowerquality debt securities involve greater risk of default or price changes due to potential changes in the credit quality of the issuer. If you sell any of your shares after holding them for less than 30 days, the fund will deduct a short-term trading fee from your account equal to 1% of the value of the shares sold. Share price and return will vary. Who may want to Invest: Someone who is willing to ride out the fluctuation of the stock market for the potential of higher returns, and who is comfortable with the risk involved in investing overseas. 20 For more information about your plan, go to www.401k.com

Spartan International Index Fund 0399 What it is: An international growth fund. Goal: Seeks to provide investment results that correspond to the total returns of foreign stock markets. What it invests in: Normally invests at least 80% of its assets in common stocks included in the Morgan Stanley Capital International Europe, Australasia, Far East Index (MSCI EAFE Index), which represents the performance of developed stock markets outside the United States and Canada. Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. This risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluctuation. If you sell any of your shares after holding them for less than 90 days, the fund will deduct a short-term trading fee from your account equal to 1% of the value of the shares sold. Share price and return will vary. Who may want to Invest: Someone who is willing to ride out stock market fluctuation in pursuit of potentially high long-term returns. The EAFE Index (Morgan Stanley Capital International Europe, Australasia, Far East Index) is an unmanaged index and includes the reinvestment of dividends. It is designed to represent the performance of developed stock markets outside the United States and Canada. The EAFE is a registered service mark of Morgan Stanley and Co., Inc., and has been licensed for use by FMR LLC. The fund is neither sponsored by nor affiliated with Morgan Stanley. 21

FREEDOM FUNDS Fidelity Freedom 2000 Fund 0370 What it is: An asset allocation mutual fund. Goal: The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return until its target retirement date. Thereafter, the fund's objective will be to seek high current income and, as a secondary objective, capital appreciation. What it invests in: Each Freedom fund invests in a diversified portfolio of Fidelity mutual funds. Each fund's overall asset allocation strategy is based on the number of years until its target retirement date, and the strategy gradually becomes more conservative as each fund approaches its target date. After reaching the target retirement date, the fund continues to be managed more conservatively for 10-15 more years, until the asset mix is approximately the same as that of the Fidelity Freedom Income Fund. Ultimately, it is expected that the fund will merge into the Freedom Income Fund. Fidelity Freedom 2000 Fund invests approximately 16% in domestic equity funds, 5% in international equity funds, 39% in bond funds, and 40% in short-term investment mutual funds. The fund's current and/or projected target asset allocation percentages are also available in the fund's fact sheet, prospectus, and annual and semiannual reports. The fund's manager selects underlying funds from those named in the fund's prospectus. Each underlying Fidelity mutual fund is separately managed by its applicable portfolio manager(s) in accordance with its own investment objective and, depending on that objective, may invest in domestic and foreign equities, investment-grade and/or high-yield fixed-income securities, and short-term investments. The investment risk of this fund changes over time as its asset allocation changes. The fund is subject to the volatility of the financial markets, including that of equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap and foreign securities. Principal invested is not guaranteed at any time, including at or after the fund's target date. Who may want to Invest: Someone who wants a simple approach for choosing retirement investment options. Strategic Advisers, Inc., a subsidiary of FMR LLC, manages the Fidelity Freedom Funds. The percentages represent anticipated target asset allocation at September 30, 2010. Total allocations may sometimes be over or under 100% due to rounding. 22 For more information about your plan, go to www.401k.com

Fidelity Freedom 2005 Fund 1312 What it is: An asset allocation mutual fund. Goal: The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return until its target retirement date. Thereafter, the fund's objective will be to seek high current income and, as a secondary objective, capital appreciation. What it invests in: Each Freedom fund invests in a diversified portfolio of Fidelity mutual funds. Each fund's overall asset allocation strategy is based on the number of years until its target retirement date, and the strategy gradually becomes more conservative as each fund approaches its target date. After reaching the target retirement date, the fund continues to be managed more conservatively for 10-15 more years, until the asset mix is approximately the same as that of the Fidelity Freedom Income Fund. Ultimately, it is expected that the fund will merge into the Freedom Income Fund. Fidelity Freedom 2005 Fund invests approximately 32% in domestic equity funds, 11% in international equity funds, 36% in bond funds, and 21% in short-term investment mutual funds. The fund's current and/or projected target asset allocation percentages are also available in the fund's fact sheet, prospectus, and annual and semiannual reports. The fund's manager selects underlying funds from those named in the fund's prospectus. Each underlying Fidelity mutual fund is separately managed by its applicable portfolio manager(s) in accordance with its own investment objective and, depending on that objective, may invest in domestic and foreign equities, investment-grade and/or high-yield fixed-income securities, and short-term investments. The investment risk of this fund changes over time as its asset allocation changes. The fund is subject to the volatility of the financial markets, including that of equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap and foreign securities. Principal invested is not guaranteed at any time, including at or after the fund's target date. Who may want to Invest: Someone who wants a simple approach for choosing retirement investment options. Strategic Advisers, Inc., a subsidiary of FMR LLC, manages the Fidelity Freedom Funds. The percentages represent anticipated target asset allocation at September 30, 2010. Total allocations may sometimes be over or under 100% due to rounding. 23

Fidelity Freedom 2010 Fund 0371 What it is: An asset allocation mutual fund. Goal: The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return until its target retirement date. Thereafter, the fund's objective will be to seek high current income and, as a secondary objective, capital appreciation. What it invests in: Each Freedom fund invests in a diversified portfolio of Fidelity mutual funds. Each fund's overall asset allocation strategy is based on the number of years until its target retirement date, and the strategy gradually becomes more conservative as each fund approaches its target date. After reaching the target retirement date, the fund continues to be managed more conservatively for 10-15 more years, until the asset mix is approximately the same as that of the Fidelity Freedom Income Fund. Ultimately, it is expected that the fund will merge into the Freedom Income Fund. Fidelity Freedom 2010 Fund invests approximately 37% in domestic equity funds, 13% in international equity funds, 40% in bond funds, and 10% in short-term investment mutual funds. The fund's current and/or projected target asset allocation percentages are also available in the fund's fact sheet, prospectus, and annual and semiannual reports. The fund's manager selects underlying funds from those named in the fund's prospectus. Each underlying Fidelity mutual fund is separately managed by its applicable portfolio manager(s) in accordance with its own investment objective and, depending on that objective, may invest in domestic and foreign equities, investment-grade and/or high-yield fixed-income securities, and short-term investments. The investment risk of this fund changes over time as its asset allocation changes. The fund is subject to the volatility of the financial markets, including that of equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap and foreign securities. Principal invested is not guaranteed at any time, including at or after the fund's target date. Who may want to Invest: Someone who wants a simple approach for choosing retirement investment options. Strategic Advisers, Inc., a subsidiary of FMR LLC, manages the Fidelity Freedom Funds. The percentages represent anticipated target asset allocation at September 30, 2010. Total allocations may sometimes be over or under 100% due to rounding. 24 For more information about your plan, go to www.401k.com

Fidelity Freedom 2015 Fund 1313 What it is: An asset allocation mutual fund. Goal: The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return until its target retirement date. Thereafter, the fund's objective will be to seek high current income and, as a secondary objective, capital appreciation. What it invests in: Each Freedom fund invests in a diversified portfolio of Fidelity mutual funds. Each fund's overall asset allocation strategy is based on the number of years until its target retirement date, and the strategy gradually becomes more conservative as each fund approaches its target date. After reaching the target retirement date, the fund continues to be managed more conservatively for 10-15 more years, until the asset mix is approximately the same as that of the Fidelity Freedom Income Fund. Ultimately, it is expected that the fund will merge into the Freedom Income Fund. Fidelity Freedom 2015 Fund invests approximately 38% in domestic equity funds, 13% in international equity funds, 40% in bond funds, and 9% in short-term investment mutual funds. The fund's current and/or projected target asset allocation percentages are also available in the fund's fact sheet, prospectus, and annual and semiannual reports. The fund's manager selects underlying funds from those named in the fund's prospectus. Each underlying Fidelity mutual fund is separately managed by its applicable portfolio manager(s) in accordance with its own investment objective and, depending on that objective, may invest in domestic and foreign equities, investment-grade and/or high-yield fixed-income securities, and short-term investments. The investment risk of this fund changes over time as its asset allocation changes. The fund is subject to the volatility of the financial markets, including that of equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap and foreign securities. Principal invested is not guaranteed at any time, including at or after the fund's target date. Who may want to Invest: Someone who wants a simple approach for choosing retirement investment options. Strategic Advisers, Inc., a subsidiary of FMR LLC, manages the Fidelity Freedom Funds. The percentages represent anticipated target asset allocation at September 30, 2010. Total allocations may sometimes be over or under 100% due to rounding. 25

Fidelity Freedom 2020 Fund 0372 What it is: An asset allocation mutual fund. Goal: The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return until its target retirement date. Thereafter, the fund's objective will be to seek high current income and, as a secondary objective, capital appreciation. What it invests in: Each Freedom fund invests in a diversified portfolio of Fidelity mutual funds. Each fund's overall asset allocation strategy is based on the number of years until its target retirement date, and the strategy gradually becomes more conservative as each fund approaches its target date. After reaching the target retirement date, the fund continues to be managed more conservatively for 10-15 more years, until the asset mix is approximately the same as that of the Fidelity Freedom Income Fund. Ultimately, it is expected that the fund will merge into the Freedom Income Fund. Fidelity Freedom 2020 Fund invests approximately 45% in domestic equity funds, 16% in international equity funds, 36% in bond funds, and 3% in short-term investment mutual funds. The fund's current and/or projected target asset allocation percentages are also available in the fund's fact sheet, prospectus, and annual and semiannual reports. The fund's manager selects underlying funds from those named in the fund's prospectus. Each underlying Fidelity mutual fund is separately managed by its applicable portfolio manager(s) in accordance with its own investment objective and, depending on that objective, may invest in domestic and foreign equities, investment-grade and/or high-yield fixed-income securities, and short-term investments. The investment risk of this fund changes over time as its asset allocation changes. The fund is subject to the volatility of the financial markets, including that of equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap and foreign securities. Principal invested is not guaranteed at any time, including at or after the fund's target date. Who may want to Invest: Someone who wants a simple approach for choosing retirement investment options. Strategic Advisers, Inc., a subsidiary of FMR LLC, manages the Fidelity Freedom Funds. The percentages represent anticipated target asset allocation at September 30, 2010. Total allocations may sometimes be over or under 100% due to rounding. 26 For more information about your plan, go to www.401k.com

Fidelity Freedom 2025 Fund 1314 What it is: An asset allocation mutual fund. Goal: The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return until its target retirement date. Thereafter, the fund's objective will be to seek high current income and, as a secondary objective, capital appreciation. What it invests in: Each Freedom fund invests in a diversified portfolio of Fidelity mutual funds. Each fund's overall asset allocation strategy is based on the number of years until its target retirement date, and the strategy gradually becomes more conservative as each fund approaches its target date. After reaching the target retirement date, the fund continues to be managed more conservatively for 10-15 more years, until the asset mix is approximately the same as that of the Fidelity Freedom Income Fund. Ultimately, it is expected that the fund will merge into the Freedom Income Fund. Fidelity Freedom 2025 Fund invests approximately 52% in domestic equity funds, 18% in international equity funds, and 30% in bond funds. The fund's current and/or projected target asset allocation percentages are also available in the fund's fact sheet, prospectus, and annual and semiannual reports. The fund's manager selects underlying funds from those named in the fund's prospectus. Each underlying Fidelity mutual fund is separately managed by its applicable portfolio manager(s) in accordance with its own investment objective and, depending on that objective, may invest in domestic and foreign equities, investment-grade and/or highyield fixed-income securities, and short-term investments. The investment risk of this fund changes over time as its asset allocation changes. The fund is subject to the volatility of the financial markets, including that of equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap and foreign securities. Principal invested is not guaranteed at any time, including at or after the fund's target date. Who may want to Invest: Someone who wants a simple approach for choosing retirement investment options. Strategic Advisers, Inc., a subsidiary of FMR LLC, manages the Fidelity Freedom Funds. The percentages represent anticipated target asset allocation at September 30, 2010. Total allocations may sometimes be over or under 100% due to rounding. 27

Fidelity Freedom 2030 Fund 0373 What it is: An asset allocation mutual fund. Goal: The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return until its target retirement date. Thereafter, the fund's objective will be to seek high current income and, as a secondary objective, capital appreciation. What it invests in: Each Freedom fund invests in a diversified portfolio of Fidelity mutual funds. Each fund's overall asset allocation strategy is based on the number of years until its target retirement date, and the strategy gradually becomes more conservative as each fund approaches its target date. After reaching the target retirement date, the fund continues to be managed more conservatively for 10-15 more years, until the asset mix is approximately the same as that of the Fidelity Freedom Income Fund. Ultimately, it is expected that the fund will merge into the Freedom Income Fund. Fidelity Freedom 2030 Fund invests approximately 56% in domestic equity funds, 19% in international equity funds, and 25% in bond funds. The fund's current and/or projected target asset allocation percentages are also available in the fund's fact sheet, prospectus, and annual and semiannual reports. The fund's manager selects underlying funds from those named in the fund's prospectus. Each underlying Fidelity mutual fund is separately managed by its applicable portfolio manager(s) in accordance with its own investment objective and, depending on that objective, may invest in domestic and foreign equities, investment-grade and/or highyield fixed-income securities, and short-term investments. The investment risk of this fund changes over time as its asset allocation changes. The fund is subject to the volatility of the financial markets, including that of equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap and foreign securities. Principal invested is not guaranteed at any time, including at or after the fund's target date. Who may want to Invest: Someone who wants a simple approach for choosing retirement investment options. Strategic Advisers, Inc., a subsidiary of FMR LLC, manages the Fidelity Freedom Funds. The percentages represent anticipated target asset allocation at September 30, 2010. Total allocations may sometimes be over or under 100% due to rounding. 28 For more information about your plan, go to www.401k.com

Fidelity Freedom 2035 Fund 1315 What it is: An asset allocation mutual fund. Goal: The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return until its target retirement date. Thereafter, the fund's objective will be to seek high current income and, as a secondary objective, capital appreciation. What it invests in: Each Freedom fund invests in a diversified portfolio of Fidelity mutual funds. Each fund's overall asset allocation strategy is based on the number of years until its target retirement date, and the strategy gradually becomes more conservative as each fund approaches its target date. After reaching the target retirement date, the fund continues to be managed more conservatively for 10-15 more years, until the asset mix is approximately the same as that of the Fidelity Freedom Income Fund. Ultimately, it is expected that the fund will merge into the Freedom Income Fund. Fidelity Freedom 2035 Fund invests approximately 61% in domestic equity funds, 21% in international equity funds, and 18% in bond funds. The fund's current and/or projected target asset allocation percentages are also available in the fund's fact sheet, prospectus, and annual and semiannual reports. The fund's manager selects underlying funds from those named in the fund's prospectus. Each underlying Fidelity mutual fund is separately managed by its applicable portfolio manager(s) in accordance with its own investment objective and, depending on that objective, may invest in domestic and foreign equities, investment-grade and/or highyield fixed-income securities, and short-term investments. The investment risk of this fund changes over time as its asset allocation changes. The fund is subject to the volatility of the financial markets, including that of equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap and foreign securities. Principal invested is not guaranteed at any time, including at or after the fund's target date. Who may want to Invest: Someone who wants a simple approach for choosing retirement investment options. Strategic Advisers, Inc., a subsidiary of FMR LLC, manages the Fidelity Freedom Funds. The percentages represent anticipated target asset allocation at September 30, 2010. Total allocations may sometimes be over or under 100% due to rounding. 29

Fidelity Freedom 2040 Fund 0718 What it is: An asset allocation mutual fund. Goal: The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return until its target retirement date. Thereafter, the fund's objective will be to seek high current income and, as a secondary objective, capital appreciation. What it invests in: Each Freedom fund invests in a diversified portfolio of Fidelity mutual funds. Each fund's overall asset allocation strategy is based on the number of years until its target retirement date, and the strategy gradually becomes more conservative as each fund approaches its target date. After reaching the target retirement date, the fund continues to be managed more conservatively for 10-15 more years, until the asset mix is approximately the same as that of the Fidelity Freedom Income Fund. Ultimately, it is expected that the fund will merge into the Freedom Income Fund. Fidelity Freedom 2040 Fund invests approximately 62% in domestic equity funds, 22% in international equity funds, and 16% in bond funds. The fund's current and/or projected target asset allocation percentages are also available in the fund's fact sheet, prospectus, and annual and semiannual reports. The fund's manager selects underlying funds from those named in the fund's prospectus. Each underlying Fidelity mutual fund is separately managed by its applicable portfolio manager(s) in accordance with its own investment objective and, depending on that objective, may invest in domestic and foreign equities, investment-grade and/or highyield fixed-income securities, and short-term investments. The investment risk of this fund changes over time as its asset allocation changes. The fund is subject to the volatility of the financial markets, including that of equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap and foreign securities. Principal invested is not guaranteed at any time, including at or after the fund's target date. Who may want to Invest: Someone who wants a simple approach for choosing retirement investment options. Strategic Advisers, Inc., a subsidiary of FMR LLC, manages the Fidelity Freedom Funds. The percentages represent anticipated target asset allocation at September 30, 2010. Total allocations may sometimes be over or under 100% due to rounding. 30 For more information about your plan, go to www.401k.com

Fidelity Freedom 2045 Fund 1617 What it is: An asset allocation mutual fund. Goal: The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return until its target retirement date. Thereafter, the fund's objective will be to seek high current income and, as a secondary objective, capital appreciation. What it invests in: Each Freedom fund invests in a diversified portfolio of Fidelity mutual funds. Each fund's overall asset allocation strategy is based on the number of years until its target retirement date, and the strategy gradually becomes more conservative as each fund approaches its target date. After reaching the target retirement date, the fund continues to be managed more conservatively for 10-15 more years, until the asset mix is approximately the same as that of the Fidelity Freedom Income Fund. Ultimately, it is expected that the fund will merge into the Freedom Income Fund. Fidelity Freedom 2045 Fund invests approximately 63% in domestic equity funds, 22% in international equity funds, and 15% in bond funds. The fund's current and/or projected target asset allocation percentages are also available in the fund's fact sheet, prospectus, and annual and semiannual reports. The fund's manager selects underlying funds from those named in the fund's prospectus. Each underlying Fidelity mutual fund is separately managed by its applicable portfolio manager(s) in accordance with its own investment objective and, depending on that objective, may invest in domestic and foreign equities, investment-grade and/or highyield fixed-income securities, and short-term investments. The investment risk of this fund changes over time as its asset allocation changes. The fund is subject to the volatility of the financial markets, including that of equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap and foreign securities. Principal invested is not guaranteed at any time, including at or after the fund's target date. Who may want to Invest: Someone who wants a simple approach for choosing retirement investment options. Strategic Advisers, Inc., a subsidiary of FMR LLC, manages the Fidelity Freedom Funds. The percentages represent anticipated target asset allocation at September 30, 2010. Total allocations may sometimes be over or under 100% due to rounding. 31

Fidelity Freedom 2050 Fund 1618 What it is: An asset allocation mutual fund. Goal: The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return until its target retirement date. Thereafter, the fund's objective will be to seek high current income and, as a secondary objective, capital appreciation. What it invests in: Each Freedom fund invests in a diversified portfolio of Fidelity mutual funds. Each fund's overall asset allocation strategy is based on the number of years until its target retirement date, and the strategy gradually becomes more conservative as each fund approaches its target date. After reaching the target retirement date, the fund continues to be managed more conservatively for 10-15 more years, until the asset mix is approximately the same as that of the Fidelity Freedom Income Fund. Ultimately, it is expected that the fund will merge into the Freedom Income Fund. Fidelity Freedom 2050 Fund invests approximately 66% in domestic equity funds, 23% in international equity funds, and 11% in bond funds. The fund's current and/or projected target asset allocation percentages are also available in the fund's fact sheet, prospectus, and annual and semiannual reports. The fund's manager selects underlying funds from those named in the fund's prospectus. Each underlying Fidelity mutual fund is separately managed by its applicable portfolio manager(s) in accordance with its own investment objective and, depending on that objective, may invest in domestic and foreign equities, investment-grade and/or highyield fixed-income securities, and short-term investments. The investment risk of this fund changes over time as its asset allocation changes. The fund is subject to the volatility of the financial markets, including that of equity and fixed-income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap and foreign securities. Principal invested is not guaranteed at any time, including at or after the fund's target date. Who may want to Invest: Someone who wants a simple approach for choosing retirement investment options. Strategic Advisers, Inc., a subsidiary of FMR LLC, manages the Fidelity Freedom Funds. The percentages represent anticipated target asset allocation at September 30, 2010. Total allocations may sometimes be over or under 100% due to rounding. 32 For more information about your plan, go to www.401k.com

Fidelity Freedom Income Fund 0369 What it is: An asset allocation mutual fund. Goal: The fund is designed for those investors already in retirement. The fund seeks to provide high current income and, as a secondary objective, some capital appreciation. Additionally, it seeks to maintain a stable asset allocation from year to year. What it invests in: Each Freedom fund invests in a diversified portfolio of Fidelity mutual funds. The fund's manager selects underlying funds from those named in the fund's prospectus. Each underlying Fidelity mutual fund is separately managed in accordance with its own investment objective and, depending on that objective, may invest in domestic and foreign equities, investment-grade and/or high-yield fixedincome securities, and short-term investments. Fidelity Freedom Income Fund invests approximately 40% in bond funds, 40% in mutual funds with short-term investments goals, and 15% in domestic equity funds, and 5% in international equity funds. The fund is subject to the volatility of the financial markets, including that of equity and fixed-income investments. Fixed-income investments entail issuer default and credit risk, inflation risk, and interest-rate risk (as interest rates rise, bond prices usually fall, and vice versa). This effect is usually more pronounced for longer-term securities. Principal invested is not guaranteed at any time, including at or after the fund's target retirement date. Who may want to Invest: Someone who is already in retirement. Strategic Advisers, Inc., a subsidiary of FMR LLC, manages the Fidelity Freedom Funds. 33

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Plan TTT West Coast, Inc. 401(k) Retirement Savings Plan Name: Social Security Number - - Participant Information Note: Instructions to complete this form are attached at the end of this form. DESIGNATION OF BENEFICIARY FORM Plan Number: 47130 Name: Address: Last First Middle Initial Street City State Zip Marital Status: Single Married Primary Beneficiary I understand that if I am married, my spouse shall automatically be my designated Beneficiary unless I elect otherwise and my spouse consents to such election. I hereby designate the following person or persons as primary Beneficiaries of my Account under the Plan payable in the event of my death. Name: Social Security Number: Address: Date of Birth: Relationship to Participant: Percentage: Name: Social Security Number: Address: Date of Birth: Relationship to Participant: Percentage: The total of the percentages cannot exceed 100%. When more than one Beneficiary is designated, and no percentage is specified, payment will be made in equal shares to each surviving Beneficiary, or all to the last surviving Beneficiary. Contingent Beneficiary In the event that there is no living primary Beneficiary at my death, I hereby designate the following person or persons as contingent Beneficiaries of my Account: Name: Social Security Number: Address: Date of Birth Relationship to Participant: Percentage: Name: Social Security Number: Address: Date of Birth: Relationship to Participant: Percentage: The total of the percentages cannot exceed 100%. When more than one Beneficiary is designated, and no percentage is specified, payment will be made in equal shares to each surviving Beneficiary, or all to the last surviving Beneficiary. Participant Signature I reserve the right to revoke or change any Beneficiary designation. I hereby revoke all my prior designations (if any) of primary and contingent Beneficiaries. PARTICIPANT DATE Married Participants please see below:

Please return this form to the Plan Administrator after you have completed it. Employer Authorization Only an authorized signer of the Employer as designated in the Plan s Service Agreement may sign below as the Plan Administrator. As Plan Administrator I hereby acknowledge receipt of this form. PLAN ADMINISTRATOR PRINT NAME* PLAN ADMINISTRATOR SIGNATURE(must be an authorized signer)* DATE * Note: The Plan Administrator should both print and sign his/her name in the spaces given. The Plan Administrator will maintain possession of this form.

Consent of Spouse I acknowledge that I am the spouse of the Participant named on the reverse side of this form. I hereby certify that I have read this Designation of Beneficiary Form and understand that I possess a beneficial interest in my spouse's Account under the Plan if I survive him/her. I hereby acknowledge and consent to the Designation of Beneficiary on the reverse side of this form. My consent shall be irrevocable unless my spouse subsequently changes the Designation of Beneficiary. If my spouse changes the designation, {Choose (a) or (b)}: # (a) I understand I must sign a new consent to the new designation for it to be effective. # (b) I waive my right to consent to any future change in designation. I understand I have the right to restrict my consent only to the Beneficiary(ies) designated on the reverse side of this form by checking box (a). I have executed this consent this day of,. Plan Representation Signature of spouse witnessed this day of,, in the presence of: Signature of Participant's Spouse (Must be witnessed by a Plan Representative or a Notary Public) Plan Representative Notary Public OR (Print Name) STATE OF COUNTY OF (ss.) On this day of,, before me appeared who acknowledged herself or himself to be the person who executed the consent set forth above and acknowledged the consent to be his or her free act and deed. My Commission Expires: Notary Public Please return this form to the Plan Administrator after you have completed it.

INSTRUCTIONS FOR DESIGNATING OR CHANGING BENEFICIARY General Instruction These instructions will assist you in properly completing the Primary and Contingent Beneficiary Section(s) of the Designation of Beneficiary Form. (1) To designate one person, insert the name and relationship in the spaces provided. If your Beneficiary is not related to you, show relationship as Friend. (2) If you wish to name your estate, insert Estate in the blank space. (3) If you wish to designate a trust, insert the name of the trustee and trust in the blank space using language similar to the following example: To X Bank as Trustee, or its successor Trustee, of the John E. Jones Trust dated the 26th day of June, to your plan administrator, including any amendments to the Trust. (4) If you wish to designate more than one Beneficiary - here are the most common examples: Three or more beneficiaries: Unborn children: James O. Jones, brother Paul A. Jones, brother Jane A. Smith, sister My children living at my death Note: Unless you provide otherwise in completing the Designation of Beneficiary Form, the Trustee will pay all sums payable to more than one Beneficiary equally to the living Beneficiaries. (5) Contingent Beneficiaries only receive benefits if all named primary Beneficiaries die before you. Spousal Consent

Incoming Rollover Instructions Plan Name: TTT West Coast, Inc. 401(k) Retirement Savings Plan Plan Number: 47130 If you have a balance in a former employer s retirement plan and/or an IRA, you may want to consider consolidating your assets in the TTT West Coast, Inc. 401(k) Retirement Savings Plan. Keeping your retirement savings in a single plan can help simplify performance tracking, provide greater convenience in making investment changes, and minimize paperwork. Rolling money into the TTT West Coast, Inc. 401(k) Retirement Savings Plan is a three-step process. Please follow these instructions to ensure that your rollover is completed in a timely and accurate manner. Please note: Failure to follow these instructions may result in a delay in the processing of your request and may jeopardize your ability to roll over your distribution. REQUEST YOUR DISTRIBUTION: Request the distribution from your prior employer s qualified plan or an Individual Retirement Account (IRA). There are two distribution check payable options: 1. The distribution check is made payable to Fidelity Management Trust Company (or FMTC) for the benefit of the participant. The check must be from the distributing trustee or custodian. (Personal checks are not acceptable.) 2. If the distribution check is made payable to the Participant you must send your rollover to Fidelity via a certified check or money order for the amount you are rolling over. Fidelity does not accept wire transfers of funds. You must request a CHECK from your previous plan or IRA. Check should be mailed directly to you. Once you receive the check, please follow the directions below. COMPLETE YOUR ROLLOVER APPLICATION: The employee must complete the following sections of the Rollover Form (Attached): Employee Information, Rollover Contribution Information (include specific rollover amount), Investment Elections (Must be in whole numbers and total 100%), and participant signature. The employee forwards the completed Rollover Form and check to the Plan Administrator. The Plan Administrator must review the form for completeness and accuracy, sign, and date the form on the Plan Administrator line in the Signatures section. The Rollover Form along with the rollover check is then sent to Fidelity Investments using the address information below. If you are not sure of the Rollover Type, please contact your prior Plan Administrator for verification. An incorrect Rollover Type could invalidate your rollover. MAIL THE INFORMATION: The plan Sponsor should mail check and completed Rollover Form to one of the following addresses: Regular Address: Overnight Address: Fidelity Investments Retirement Services Company Fidelity Investments Client Services Operations Client Services Operations P.O. Box 770001 100 Crosby Parkway (KC1F-E) Cincinnati, OH 45277-0024 Covington, KY 41015 Please include all of the information requested. Incomplete forms and the accompanying check will be returned to you and may jeopardize your ability to rollover your distribution. Once your rollover contribution is accepted into the TTT West Coast, Inc. 401(k) Retirement Savings Plan, you can log onto Fidelity NetBenefits at www.401k.com to view your rollover contribution and investment election(s).

ROLLOVER FORM Social Security Number Plan Number: 47130 Plan Name: TTT West Coast, Inc. 401(k) Retirement Savings Plan Participant Information Participant Name: Participant Address: Last First Middle Initial Street City State Zip Division: Hire Date: Birth Date: Rollover Contribution Information I request that the amounts below be rolled into my current Employer s Plan. (Rollover Contributions may only be made in the form of cash, allowable mutual fund shares, or, if allowed by your current Employer's Plan, promissory notes from your prior employer's qualified plan.) I have attached a certified check, money order, or check from the prior trustee, made payable to Fidelity Management Trust Company as Trustee, and it represents one of the following: Pre-Tax Rollover Type 401(a) 403(b) R/O IRA Traditional IRA Gov t 457 After-Tax Earnings Description A distribution from a prior employer's qualified 401(a) plan either as a direct rollover or as paid directly to me less applicable taxes A distribution from a previous employer s 403(b) plan (Note: Existing monies within the current Employer s Plan will lose favorable tax treatment) A distribution from a Rollover Individual Retirement Account and earnings thereon ("conduit IRA") A distribution from a traditional Individual Retirement Account ("Non-Conduit IRA") A distribution from a Governmental 457 retirement plan (Note: Rollover monies will be subject to 401(k) rules for early distribution) Fidelity Dollar Code Amount 1K $ 3B $ IC $ IN $ 7G $ Earnings from an after-tax source is considered a pre-tax rollover 1K $ After -Tax 401(a) A distribution of employee after-tax contributions to a 401(a) plan (Note: earnings on After-Tax are considered a Pre-Tax Rollover and are included above) 1K $ $ Total Amount of Rollover (Verify this sum equals the amount of the checks) Note: A Rollover Contribution paid directly to the participant or from an IRA must be received by Fidelity within 60 days of your receipt of such distribution. The Plan Administrator reserves the right to require sufficient evidence that your distribution is from a qualified retirement plan or an IRA. *5VECMROLL01Z* 5VECMROLL01Z

Investment Elections I choose to invest my Rollover Contribution as follows: (Indicate a whole percentage for each fund. Percentages containing fractions or decimal points will not be accepted. The TOTAL of the percentages invested in all funds must equal 100%.) Permissible Investment Option Name Investment Option Number 1 Managed Income Portfolio 0632 2 Fidelity U.S. Bond Index Fund 0651 3 PIMCO Total Return Fund III - Administrative Class OQTW 4 Eaton Vance Large Cap Value Fund Class A OSAU 5 Spartan 500 Index Fund Investor Class 0650 6 Fidelity Leveraged Company Stock Fund 0122 7 Fidelity Low-Priced Stock Fund 0316 8 Spartan Extended Market Index Fund Investor Class 0398 9 RS Partners Fund Class A OQWY 10 Fidelity Blue Chip Growth Fund 0312 11 Fidelity Growth Company Fund 0025 12 Fidelity Contrafund 0022 13 Artisan Mid Cap Fund OMVM 14 Rainier Small/Mid Cap Equity Portfolio OF2W 15 Fidelity Small Cap Indep. Fund 0336 16 Fidelity Diversified International Fund 0325 17 Fidelity International Discovery Fund 0305 18 Spartan International Index Fund 0399 19 Fidelity Freedom Income Fund 0369 20 Fidelity Freedom 2000 Fund 0370 21 Fidelity Freedom 2010 Fund 0371 22 Fidelity Freedom 2020 Fund 0372 23 Fidelity Freedom 2030 Fund 0373 24 Fidelity Freedom 2040 Fund 0718 25 Fidelity Freedom 2005 Fund 1312 26 Fidelity Freedom 2015 Fund 1313 27 Fidelity Freedom 2025 Fund 1314 28 Fidelity Freedom 2035 Fund 1315 29 Fidelity Freedom 2045 Fund 1617 30 Fidelity Freedom 2050 Fund 1618 Whole Percentage Total 100% Note: Your investment elections above will only apply to your Rollover Contribution and not your current Plan assets in your Account. Participant Signature I understand that I must satisfy the Plan's eligibility and entry date requirements to become an Active Participant in the Plan. I hereby certify that the information on this form is true, accurate and complete. PARTICIPANT DATE Employer Authorization Only an authorized signer designated in the Plan s Service Agreement may sign below as the Plan Administrator. As Plan Administrator, I authorize the Participant's Rollover Contribution. PLAN ADMINISTRATOR PRINT NAME* PLAN ADMINISTRATOR SIGNATURE(must be an authorized signer)* DATE * Note: The Plan Administrator should both print and sign his/her name in the spaces given. Form Completion Checklist

Before Submitting this form please verify that you have included the following information: # Participant's social security number # Participant signature # Investment Elections (Whole percentages totaling 100%) # Plan Administrator signature

Portfolio Review is an educational tool. Unless otherwise noted, transaction requests confirmed after the close of the market, normally 4 p.m. Eastern time, or on weekends or holidays, will receive the next available closing prices. This document provides only a summary of the main features of the TTT West Coast, Inc. 401(k) Retirement Savings Plan, and the Plan document will govern in the event of any discrepancy. The investment options available through the plan reserve the right to modify or withdraw the exchange privilege. The Plan is intended to be a participant-directed plan as described in Section 404(c) of ERISA, which means that fiduciaries of the Plan are ordinarily relieved of liability for any losses that are the direct and necessary result of investment instructions given by a participant or beneficiary. Fidelity Management & Research Company manages Fidelity mutual funds. Additional Plan provisions regarding mutual funds are provided in the Summary Plan Description or the Plan document. Fidelity Portfolio Advisory Service at Work is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. This service provides discretionary money management for a fee. Hardship distributions are not considered eligible rollover distributions and are not subject to 20% federal withholding. They are taxed as ordinary income and may be subject to a penalty when you file your income taxes. Please consult your tax adviser regarding your own tax situation. Investor Center products & services are offered beyond your employer sponsored retirement plan. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island, 02917 469154.11.0 2010 FMR LLC. All rights reserved 47130