*Diversification does not ensure a profit or guarantee against loss.

Effective August 1, 2009, Strategic Advisers, Inc. adjusted its target investment strategies to increase the percentage of international equity to 30% of the overall equity portion of the strategy. In addition, Strategic Advisers, Inc. removed the Merrill Lynch U.S. High Yield Master Constrained Index from its strategy benchmarks, and will use the Barclays Capital U.S. Aggregate Bond Index as the benchmark for fixed income exposure going forward.

Stocks are represented by the Standard & Poor’s 500 Index (S&P 500®). The S&P 500® is a registered service mark of The McGraw-Hill Companies, Inc., and is a widely recognized, unmanaged index of 500 US common stocks. Bonds are represented by the US Intermediate Government Bond Index, which is an unmanaged index that includes the reinvestment of interest income. Short-term instruments are represented by US Treasury bills, which are backed by the full faith and credit of the US government. It is not possible to invest directly in an index. Stock prices are more volatile than those of other securities. Government bonds and corporate bonds have more moderate short-term price fluctuation than stocks but provide lower potential long-term returns. US Treasury bills maintain a stable value (if held to maturity), but returns are generally only slightly above the inflation rate. Foreign stocks are represented by the Morgan Stanley Capital International Europe, Australasia, Far East Index for the period from 1970 to the last calendar year. Foreign Stocks prior to 1970 are represented by the S&P 500®.

The purpose of the target asset mixes is to show how target asset mixes may be created with different risk and return characteristics to help meet investment goals. Strategic Advisers will recommend an appropriate model or target portfolio based on your particular objectives and situation. These target asset mixes were developed by Strategic Advisers, Inc., a registered investment adviser and Fidelity Investments company.