Roth IRA

^*Neither asset allocation nor diversification ensure a profit or guarantee against a loss. Investing involves risk, including loss.

1. There is no brokerage account fee on Fidelity’s Traditional, Roth, SEP, and Rollover IRAs. Fund expenses and brokerage commissons still apply. Depending on your situation, fees may include low–balance fees, short–term trading fees and account closing fees. Other fees and expenses applicable to continued investment are described in the fund’s current prospectus.
2. The minimum automatic contribution is $200 per month (or $600 per quarter). Non-Fidelity Funds and certain Fidelity Funds are not eligible.
3. For more information, refer to the Brokerage Commission & Fee schedule for retirement accounts.
4. A distribution from a Roth IRA is federal tax free and penalty free provided that the five-year aging requirement has been satisfied and at least one of the following conditions have been met: you reach age 59½, die, suffer a disability, or make a qualified first-time home purchase.
5. An investment in a money market fund is not a bank deposit and is not insured or guaranteed by the FDIC or another government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.

6. The Cash Balance in the FDIC–insured Deposit Sweep is swept to an FDIC–insured interest-bearing account at a Program Bank. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance subject to FDIC insurance coverage limits. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. The Program Bank will be assigned to your account during the account opening process. See the current list of eligible Program Banks. For more information, please see the FDIC Insured Deposit Sweep Program (PDF) . This page will open in a popup window. disclosure document. For more information about FDIC insurance coverage, please visit the FDIC Web site at www.FDIC.gov . This page will open in a popup window. or call 877–ASK–FDIC. Customers are responsible for monitoring their total assets at the Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules.

   ETFs may trade at a discount to their NAV and are subject to the market fluctuations of their underlying investments. ETFs are subject to management fees and other expenses.

7. For information about the rates, fees, other costs, and benefits associated with the use of this credit card, or to apply, go to www.fidelity.com/creditcards and refer to the disclosures accompanying the online credit card application, or call FIA Card Services toll-free at 1-866-598-4971 . This credit card program is issued and administered by FIA Card Services, N.A., which is not an affiliate of Fidelity Investments. For complete information visit www.fidelity.com/creditcards.

   American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a Card or to be eligible to use points to obtain any rewards offered under the program other than Fidelity Rewards.