Fidelity Investments

Fidelity does not provide tax or legal advice. This document was produced by Fidelity for informational purposes only and is not intended to be tax or legal advice. We suggest that you speak with your tax or legal adviser. Fidelity Personal & Workplace Advisors LLC (FPWA), a registered investment adviser, provides advisory services on a fee basis. Fidelity brokerage services LLC (FBS), a registered broker-dealer, provides brokerage services. Both companies are affiliated with Fidelity Investments. Fidelity Personal & Workplace Advisors is also known as Strategic Advisers. Fidelity advisors are employees of FBS and may be investment advisory representatives of FPWA or registered representatives of FBS. Advisory services offered by FPWA and brokerage services offered by FBS are two separate and independent entities that are registered under the laws of various states and provide oversight. The products and services described in this document are distributed and provided by FPWA and FBS. Your accounts and agreements are with FPWA and FBS, affiliates of Fidelity Investments.