Important Legal Information

Important Legal Information and Terms of Use

Before investing in any investment option, please carefully consider the investment objectives, risks, charges and expenses. For this and other information, call Fidelity or write to Fidelity for a free mutual fund or variable annuity prospectus or 529 Plan fact kit, or view one online. For information on fixed annuities, contact Fidelity to request a fact sheet. Read them carefully before you invest.

The Terms of Use were last modified in October 2007.

Fidelity Investments is pleased to provide you with the products, services, content, tools, and information on all Fidelity Sites (the term "Fidelity Sites" refers to all Fidelity web sites as well as to the content on them). Your use of Fidelity Sites is subject to the following Terms of Use ("Terms").

These Terms have been established by the Fidelity Investments companies listed below, as well as their U.S. affiliates ("Fidelity"). By using or accessing the Fidelity Sites, you accept these Terms. Your use of Fidelity Sites is governed by the version of the Terms in effect on the date each Fidelity Site is accessed by you. Fidelity may modify these Terms at any time and without prior notice. You should review the most current version of this document by visiting NetBenefits or Fidelity.com and clicking on the Important Legal Information or Terms of Use hyperlink located at the bottom of the page. These Terms are in addition to any other agreements between you or your employer and Fidelity Investments, including any customer or account agreements, and any other agreements that govern your use of products, services, content, tools, and information available on the Fidelity Sites.

•	USE OF FIDELITY SITES

•	FIDELITY INVESTMENTS SITES AND COMPANIES

•	MUTUAL FUNDS AND VARIABLE ANNUITIES

•	WORKPLACE SAVINGS PLANS - INVESTMENTS AND SERVICES

•	WORKPLACE SAVINGS PLANS - BENEFITS ADMINISTRATIVE INFORMATION

•	529 COLLEGE SAVINGS PLANS

•	INFORMATION FOR FOREIGN INVESTORS

•	BROKER-DEALER'S POTENTIAL CONFLICTS

•	NO INVESTMENT RECOMMENDATIONS OR PROFESSIONAL ADVICE

•	COPYRIGHT POLICY, LINKING POLICY AND TRADEMARKS

•	THIRD PARTY CONTENT AND SITES

•	TIMELINESS OF CONTENT

•	PROHIBITED USES

•	MEANS OF ACCESS

•	PASSWORD SECURITY AND NOTIFICATION

•	DISCLAIMER OF WARRANTIES

•	LIMITATION OF LIABILITY

•	INDEMNIFICATION

•	CHANGES TO FIDELITY SITES

•	TERMINATION

•	GOVERNING LAW

•	SEVERABILITY

The Fidelity Sites are intended only for your personal, non-commercial use, unless you and Fidelity have agreed otherwise in writing.

The following Fidelity Investments entities are broker-dealers which offer investment and brokerage products and services on this web site:

Fidelity mutual funds:


•		Fidelity Distributors Corporation, 82 Devonshire Street, Boston, MA 02109

Brokerage products and services are offered through:


•		Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Investment and workplace savings plan products and services offered directly to investors and plan sponsors:


•		Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Investment and workplace savings plan products and services distributed through investment professionals:


•		Fidelity Investments Institutional Services Company, Inc., 82 Devonshire Street, Boston, MA 02109

The following Fidelity Investments companies also offer products and services on the Fidelity Sites, but are not necessarily broker-dealers:


•		Strategic Advisers, Inc., and Fidelity Personal Trust Company, FSB ("FPT"), a federal savings bank and a registered investment adviser or Fidelity Management Trust Company ("FMTC") or Pyramis Global Advisors Trust Company ("PGATC").Fidelity Portfolio Advisory Service^sm and Fidelity Retirement Plan Manager® are services of Strategic Advisers, Inc., a registered investment adviser and Fidelity Investments company. Fidelity Private Portfolio Service® may be offered through the following Fidelity Investments companies: Strategic Advisers, Inc., Fidelity Personal Trust Company, FSB ("FPT"),a federal savings bank, or Fidelity Management Trust Company ("FMTC"). Non-deposit investment products and trust services offered through FPT and FMTC and their affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk, including possible loss of principal.
•		Fidelity Employer Services Company
•		Fidelity Investments Institutional Operations Company, Inc.
•		Fidelity Retirement Reserves (policy form NRR-96100, et al.), Fidelity Income Advantage (policy forms FVIA-92100, et al. and FVIA-99100, et al.), Term Insurance (policy forms FTL-96200, et al. and FTL-99200, et al.) and Fidelity Guaranteed Income Annuity (policy form FGIA-2001, et al.) are issued by Fidelity Investments Life Insurance Company. For NY residents, Retirement Reserves, Income Advantage, Term Insurance and Guaranteed Income Annuity are issued by Empire Fidelity Investments Life Insurance Company, NY, NY. Fidelity Brokerage Services LLC, and Fidelity Insurance Agency, Inc. are the distributors.

An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market 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.

Variable annuity values and investment returns will fluctuate and you may have a gain or loss when money is withdrawn. Taxable amounts withdrawn prior to age 59½ may be subject to a 10% IRS penalty tax.

Some of the funds and services described on the Fidelity Sites may not be available or appropriate in a workplace savings plan. Check with your employer or see the Summary Plan Description for your plan for information on any investment or service restrictions associated with your 401(k), 401(a), 403(b), or 457 savings plan, or nonqualified deferred compensation plan at work. Or, if your workplace savings plan is already with Fidelity, call your toll-free retirement benefits line or log on to NetBenefits to find out more about the investment options available to you in your workplace savings plan.

If you hold Fidelity Advisor Fund assets outside of your employer-sponsored retirement plan, accounts with such assets are not included in the list of Fidelity accounts.

Company Stock Funds are not mutual funds and are unmanaged, non-diversified investment options. The value of your investment in the Company Stock Fund is affected by the performance of the company and the overall stock market, as well as the amount and performance of any short term investments held by the fund.

Managed Income Funds, Commingled Pools and individually managed options, such as Strategies, are not mutual funds. Although individual investment contracts purchased for a managed income fund are backed by the issuer of the debt, units of the fund are not guaranteed by the manager, Plan sponsor or insured by the FDIC.

The investment options available through workplace savings plans may reserve the right to modify or withdraw the exchange privilege. Unless otherwise noted, transaction requests confirmed after the close of the market, normally 4 PM Eastern Time or on weekends or holidays, will receive the next available closing prices.

Performance and holding information for non-Fidelity investment options may be provided by a third party service. Although such data is from reliable sources, accuracy and completeness cannot be guaranteed.

Fidelity Management & Research Company manages Fidelity mutual funds. Fidelity Freedom Funds are managed by Strategic Advisers, Inc., a Fidelity Investments® company. Please be aware that certain investment options are managed by investment managers other than Fidelity Management & Research Company. Such investment options include, but may not be limited to non-Fidelity mutual funds, managed income funds, and commingled pools. Performance information on these non-Fidelity investment options may be provided by a third party service. Although such data is from reliable sources, its accuracy and completeness cannot be guaranteed.

Information regarding asset classifications: the asset classifications and sub-asset categories for the investment options may have been provided by one of the following: the investment manager, plan sponsor, Morningstar or the fund prospectus. Some sub-categories are subject to change over time.

A summary of the benefits provided under the plan is contained in the Summary Plan Description for the plan. Full details are provided in the official plan text, which governs the operation of the plan. In the event that the content of this application or any oral representations made by any person regarding the plan conflict with or are inconsistent with the provisions of the plan document, the provisions of the plan document are controlling.

The information presented on this system is not intended to create, nor is it to be construed to create, a contract between (1) an employer or Fidelity and (2) any one of the employer's employees or other plan participants. Each employer reserves the right to amend, modify, suspend, replace or terminate any of its plans, policies or programs, in whole or in part, including any level or form of coverage, by appropriate company action, without the consent or concurrence of persons affected.

The UNIQUE College Investing Plan, U.Fund College Investing Plan, Delaware College Investment Plan, Fidelity Arizona College Savings Plan and ScholarShare R College Savings Plan are offered by the State of New Hampshire, Massachusetts Educational Financing Authority (MEFA), the State of Delaware, the Arizona Commission for Postsecondary Education, and the ScholarShare Investment Board, an agency of the State of California, respectively, and managed by Fidelity Investments. If you or the designated beneficiary are not a New Hampshire, Massachusetts, Delaware, Arizona, or California resident, you may want to consider, before investing, whether your or the designated beneficiary's home state offers its residents a plan with alternate state tax advantages or other benefits.

Units of the Portfolios are municipal securities and may be subject to market volatility and fluctuation.

The Fidelity Sites are intended to be made available only to customers and prospective customers residing in the United States or eligible to participate in workplace savings plans that are qualified under the U.S. Internal Revenue Code, and the information on the Fidelity sites is only for such persons. Nothing on the Fidelity Sites shall be considered a solicitation to buy or an offer to sell a security, or any other product or service, to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the laws of such jurisdiction.

Persons outside of the United States who are not eligible to participate in workplace savings plans that are qualified under the U.S. Internal Revenue Code should go to the "Solutions for International Investors" page of Fidelity.com, which will direct them to the appropriate overseas web site of Fidelity's non-U.S. affiliates. Fidelity's non-U.S. affiliates Fidelity International Limited, Fidelity Investments Canada Limited, Fidelity Investments Management (H.K.) Limited, Fidelity Investments Japan, and Fidelity Brokerage Services Japan LLC offer products and services designed specifically for overseas investors.

As a broker-dealer, Fidelity Brokerage Services LLC or its affiliates may act as principal for its own account or as agent for its customers in connection with the sale to you or purchase by you of a security that is the subject of content prepared by Fidelity. If it receives a mark-up or commission or acts as agent for another person in connection with any such transaction, Fidelity may have a potential conflict of interest. You understand this potential conflict and acknowledge that you may choose to effect securities transactions at another broker-dealer.

Generally, the Fidelity Sites are not intended to provide tax, legal, insurance or investment advice, and nothing on the Fidelity Sites should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by Fidelity or any third party. However, certain tools available on the Fidelity Sites may be deemed to provide general investment advice within the meaning of the securities laws based upon your personalized input. Unless otherwise specified, you alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

The Fidelity Sites are protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in the Fidelity Sites, including any text, graphics, video, audio, software code, user interface design or logos.

Unless you and Fidelity have agreed otherwise, links from another web site to a Fidelity Site must resolve to the top-level homepage of a Fidelity domain (e.g., www.fidelity.com, www.netbenefits.com).

In order to avoid confusion if you do link from another web site to a Fidelity top-level homepage, your web site, and the link itself, may not suggest that Fidelity endorses, sponsors or is affiliated with any non-Fidelity web site, entity, service or product, and may not make use of any Fidelity trademarks or service marks other than those contained within the text of the link.

All trademarks and service marks on the Fidelity Sites belong to FMR LLC or an affiliate, except third-party trademarks and service marks, which are the property of their respective owners.

If you believe that your work has been copied in a way that constitutes copyright infringement, please provide Fidelity with the following information:


1.		A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright allegedly infringed;
2.		A description of the copyrighted work that you claim has been infringed, or, if multiple copyrighted works are the subject of a single notice, a representative list of such works;
3.		An identification of the allegedly infringing material, and a description of where that material is located on the Fidelity Sites;
4.		Your address, telephone number, and email address;
5.		A statement by you that you have a good faith belief that use of the disputed material in the manner complained of is not authorized by the copyright owner, its agent, or the law;
6.		A statement by you, made under penalty of perjury, that the information you provide in your notice is accurate and that you are the owner of the allegedly infringed copyright, or that you are authorized to act on behalf of the copyright owner.

Fidelity's Agent for Notice of claims of copyright infringement can be reached as follows:

By mail:	Irwin N. Barnes, Esq. Fidelity Investments 82 Devonshire Street, F7D Boston, MA 02109
By phone:	617-563-5658
By email:	CopyrightClaim@fmr.com

The Fidelity Sites include general news and information, commentary, interactive tools, quotes, research reports and data concerning the financial markets, securities and other subjects. Some of that content is supplied by companies that are not affiliated with Fidelity ("Third Party Content"). Most Third Party Content is available through framed areas or through hyperlinks to third party web sites, and its source is clearly and prominently identified.

Although Third Party Content may be framed-in on the Fidelity Sites or available through a link to a third-party site, Fidelity does not prepare, edit, or endorse Third Party Content. Fidelity therefore does not guarantee its accuracy, timeliness, completeness or usefulness, and is not responsible or liable for any content, advertising, products, or other materials on or available from third party sites. You will use Third Party Content only at your own risk.

In order to comply with applicable laws and regulations, Fidelity may at times exclude content with respect to securities of issuers which are the subject of public offerings made available to Fidelity's brokerage customers, or otherwise.

All content on the Fidelity Sites is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

Because all servers have limited capacity and are used by many people, do not use Fidelity Sites in any manner that could damage or overburden any Fidelity server, or any network connected to any Fidelity server. Do not use Fidelity Sites in any manner that would interfere with any other party's use of the Fidelity Sites.

The Fidelity Sites are generally intended to be viewed by a conventional web browser with a screen resolution of 640 by 480 pixels or greater. Although you may use other means to access the Fidelity Sites, be aware that the Fidelity Sites may not appear accurately through other access methods, and you use them only at your own risk.

You should not access the Fidelity Sites through devices or services that are designed to provide high-speed, automated, repeated access, unless such devices are approved or made available by Fidelity.

Certain parts of the Fidelity Sites are protected by passwords or require a login. You may not obtain or attempt to obtain unauthorized access to such parts of the Fidelity sites, or to any other protected materials or information, through any means not intentionally made available by Fidelity for your specific use.

If you have a Personal Identification Number (PIN) for access to non-public areas of the Fidelity Sites, you are solely responsible for all activities that occur in connection with your PIN. Accordingly, you should take steps to protect the confidentiality of your PIN. Notify Fidelity immediately if you become aware of any disclosure, loss, theft or unauthorized use of your PIN.


•		Fidelity does not make any express or implied warranties about the Fidelity Sites, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
•		The Fidelity Sites are made available to you "as is" and "as available" and Fidelity does not warrant that any defects or inaccuracies will be corrected.
•		Fidelity does not warrant that the Fidelity Sites will meet your needs, or that they will be uninterrupted, timely, secure or error-free. Fidelity also makes no warranty that the results obtained from the use of the Fidelity Sites will be accurate or reliable, or that the quality of any products, services, information, or other material purchased or obtained by you through the Fidelity Sites will meet your expectations. This provision my not apply to participants in certain employer-sponsored workplace savings plans.


•		Fidelity will not be liable to you or anyone else for any consequential, incidental, special or indirect damages (including but not limited to lost profits, trading losses or damages that result from use or loss of use of the Fidelity Sites and third party content, inconvenience or delay). This is true even if Fidelity has been advised of the possibility of such damages or losses.
•		Fidelity will not be liable to you or anyone else for any loss resulting from a cause over which such Fidelity does not have direct control. This includes failure of electronic or mechanical equipment or communications lines (including telephone, cable and internet), unauthorized access, viruses, theft, operator errors, severe or extraordinary weather (including flood, earthquake, or other act of God), fire, war, insurrection, terrorist act, riot, labor dispute and other labor problems, accident, emergency or action of government.
•		If you live in a state that does not allow the limitation or exclusion of liability or incidental or consequential damages, or if you access the Fidelity Sites solely through an arrangement with your employer or plan sponsor, some or all of the limitations and exclusions may not apply to you.

As a condition of your use of the Fidelity Sites, you agree to indemnify and hold Fidelity and its third party providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of the Fidelity Sites, or from your violation of these Terms. This provision may not apply to participants in certain employer-sponsored workplace savings plans.

Unless otherwise agreed, Fidelity may discontinue or modify the Fidelity Sites at any time without prior notice to you, and you accept those modifications if you continue to use the Fidelity Sites.

Fidelity may terminate your access to the Fidelity Sites for any reason, without prior notice.

Unless otherwise agreed, these Terms and their enforcement are governed by the laws of the Commonwealth of Massachusetts, without regard to conflicts of law, and shall inure to the benefit of Fidelity's successors and assigns, whether by merger, consolidation, or otherwise. This provision may not apply to participants in certain employer-sponsored workplace savings plans.

If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.