1. Fidelity reserves the right to limit contributions.
2. Fidelity refers to Fidelity Investments Life Insurance Company, and for NY residents, Empire Fidelity Investments Life Insurance Company^®, New York, NY.
3. Guarantees are subject to the claims-paying ability of the issuing insurance company.
4. Excess withdrawals may significantly reduce the guaranteed withdrawal benefit amount, and, if taken during the first 5 contract years, may be subject to a 2% Surrender Fee.
5. According to Morningstar, Inc., Fidelity Personal Retirement Annuity's annual annuity charge of 0.25% is among the lowest 1% compared to the industry average of 1.40% for non-group open variable annuity contracts. As of 9/30/07. Fidelity Personal Retirement Annuity does not have a guaranteed minimum death benefit, whereas the industry average annuity may.
6. Before exchanging, check with your current provider to see if it will assess a surrender charge, also consider the existing benefits and features you may lose in an exchange.

Taxable amounts withdrawn from an annuity prior to age 59˝ may be subject to a 10% IRS penalty.

Annuities are issued by Fidelity Investments Life Insurance Company and in New York by Empire Fidelity Investments Life Insurance Company^®, New York, NY. Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors. Some annuities are issued by third-party insurance carriers which are not affiliated with any Fidelity Investments Company and are distributed by Fidelity Insurance Agency, Inc. The contract's financial guarantees are solely the responsibility of the issuing insurance company.