Investment-Only: The Fidelity Non-Prototype Retirement Account

Your Investment Vehicle for Your Retirement Plan Assets

The Fidelity Non-Prototype Retirement Account is a brokerage account in which you can invest your company's retirement plan assets. With the Fidelity Non-Prototype Retirement Account, Fidelity provides the investment vehicle only, so you can access a variety of investment choices. Your retirement plan administrator or trustee(s) handles your plan's recordkeeping and tax reporting services.

This Plan is For:

Business owners who:

• Establish a customized (or another provider's prototype) retirement plan and seek an investment vehicle
  • The retirement plan must be qualified under Section 401(a) of the Internal Revenue Code such as a 401(k), profit sharing, or money purchase and defined benefit plan.
• Seek a full brokerage offering including mutual funds, stocks, bonds, and CDs.

Benefits of a Fidelity Non-Prototype Retirement Account

• A wide range of investment options, including over 4,500 mutual funds, Fidelity lifecycle funds — Freedom Funds, plus stocks, bonds, treasuries and CDs
• Fidelity mutual funds are no-load¹ and offer low fund minimums² so that your plan assets can be invested immediately.
• You and your employees can access account information, place trades and take advantage of our retirement planning tools through Fidelity.com
• No account set up fee or annual maintenance fee

Account Set up

A Fidelity Non-Prototype Retirement account can be set up in one of two ways:

1. One pooled account on behalf of a plan in which the investment activity is trustee-directed - commonly a defined benefit plan.
   • All investments are managed at the plan level
   • The underlying participants do not have the ability to affect transactions and sub-accounting is not performed at the participant level by the account holder/trustee or a third party.
2. Separate individual accounts, for the benefit of each participant.

Ongoing Account Management

• The trustee(s) for the Non-Prototype Retirement Account has full authority to transact on the account.
• Limited trading authority may be given to participants or agents such as a third party administrator.
• Only trustee(s) or fully authorized agents can request distributions from an account.

Open a Fidelity Non-Prototype Retirement Account

• Download an application
• Call a Retirement representative at 800-544-5373 to review your options and request a kit.