Investor's Rights and Responsibilities

Investor's Bill of Rights

As a Fidelity retail investor, you have the right to:

Quality service

To be treated in a fair, ethical, and respectful manner in all interactions with a securities firm and its employees.
To receive competent and courteous service and advice at a fair price.

Full, clear reporting

To receive clear, accurate, easy-to-understand descriptions of all your transactions, statements, and other communications from Fidelity.
To be informed clearly about all the costs associated with your account and the costs related to individual transactions, including commissions, sales charges, and other fees.
To receive accurate and timely statements of your account, including detailed transactional information.
To be provided with clear descriptions of Fidelity's policies and practices for protecting the privacy of nonpublic, personal information.

View Fidelity's Privacy Policy

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Responsible investment advice

To be provided with responsible investment recommendations based on your personal objectives, time horizon, risk tolerance, and other factors, as disclosed by you.
To expect that Fidelity will provide professional assistance to help you clarify your investment goals and risk tolerance.
To be presented by Fidelity with reasonable investment alternatives designed to meet those expectations, and disclose the comparative risks, benefits, and costs.

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Prompt, fair resolution of problems

To receive fair consideration and a prompt response from Fidelity if any problem with your account ever arises.
To be apprised of alternatives if Fidelity is unable to resolve a dispute to your satisfaction.

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Your responsibilities as an investor

As a Fidelity retail investor, you have a responsibility to:

Inform and educate yourself

Read thoroughly all sales literature, prospectuses, and/or other offering documents, when available, before making any investment.
Carefully consider all investment risks, fees, and/or other factors explained in these documents.
Make certain that you understand the relationship not only between your investment objectives and the risks and returns on your particular investments but also between your particular investments and your investment objectives.
You need to remember at all times that every investment has some degree of risk and that it is possible to lose money -- some or all -- on any investment.

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Communicate with your financial representative

Provide completely accurate information about your financial status, investment goals, and risk tolerance when seeking investment advice, so that Fidelity can provide you with appropriate recommendations.
Seek out whatever information you need or want from a Fidelity Representative by proactively asking any questions you have about your account, a specific transaction, risk exposures, potential conflicts of interest, and, of course, commissions, sales charges, and other fees.
Notify Fidelity promptly whenever there is a significant change in your investment objectives, risk tolerance, income, net worth, or liquidity needs.
Review your portfolio holdings on a regular basis, and whenever your financial circumstances change. You may want to make appropriate changes based on your investments' performance and your current objectives.

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Keep your accounts current

Have cash or available margin-buying power in your investment account, or transfer funds into that account, to ensure payment for securities purchases by the settlement date. If you are paying by check or funds transfer, you should always make payments directly to Fidelity Investments.
Review all transaction confirmations and account statements or reports carefully and promptly. You should report any errors or any questions you have to a Fidelity Representative immediately.

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Use the right resources

Consult an attorney or a tax advisor for specific tax or legal advice.
Keep in mind that you are fully responsible for your investment decisions.
Consider carefully the validity and reliability of investment information obtained from all sources, especially unsolicited information obtained over the Internet.
Understand that neither our guidance nor the opinions of outside securities analysts should ever be interpreted as a guarantee of future performance or rate of return.

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Quality Service Full, Clear Reporting Responsible Investment Advice Prompt, Fair Resolution of Problems Inform and Educate Yourself Communicate with your Financial Representative Keep your Accounts Current Use the Right Resources	Investor's Bill of Rights As a Fidelity retail investor, you have the right to: Quality service To be treated in a fair, ethical, and respectful manner in all interactions with a securities firm and its employees. To receive competent and courteous service and advice at a fair price. Full, clear reporting To receive clear, accurate, easy-to-understand descriptions of all your transactions, statements, and other communications from Fidelity. To be informed clearly about all the costs associated with your account and the costs related to individual transactions, including commissions, sales charges, and other fees. To receive accurate and timely statements of your account, including detailed transactional information. To be provided with clear descriptions of Fidelity's policies and practices for protecting the privacy of nonpublic, personal information. View Fidelity's Privacy Policy Top Responsible investment advice To be provided with responsible investment recommendations based on your personal objectives, time horizon, risk tolerance, and other factors, as disclosed by you. To expect that Fidelity will provide professional assistance to help you clarify your investment goals and risk tolerance. To be presented by Fidelity with reasonable investment alternatives designed to meet those expectations, and disclose the comparative risks, benefits, and costs. Top Prompt, fair resolution of problems To receive fair consideration and a prompt response from Fidelity if any problem with your account ever arises. To be apprised of alternatives if Fidelity is unable to resolve a dispute to your satisfaction. Top Your responsibilities as an investor As a Fidelity retail investor, you have a responsibility to: Inform and educate yourself Read thoroughly all sales literature, prospectuses, and/or other offering documents, when available, before making any investment. Carefully consider all investment risks, fees, and/or other factors explained in these documents. Make certain that you understand the relationship not only between your investment objectives and the risks and returns on your particular investments but also between your particular investments and your investment objectives. You need to remember at all times that every investment has some degree of risk and that it is possible to lose money -- some or all -- on any investment. Top Communicate with your financial representative Provide completely accurate information about your financial status, investment goals, and risk tolerance when seeking investment advice, so that Fidelity can provide you with appropriate recommendations. Seek out whatever information you need or want from a Fidelity Representative by proactively asking any questions you have about your account, a specific transaction, risk exposures, potential conflicts of interest, and, of course, commissions, sales charges, and other fees. Notify Fidelity promptly whenever there is a significant change in your investment objectives, risk tolerance, income, net worth, or liquidity needs. Review your portfolio holdings on a regular basis, and whenever your financial circumstances change. You may want to make appropriate changes based on your investments' performance and your current objectives. Top Keep your accounts current Have cash or available margin-buying power in your investment account, or transfer funds into that account, to ensure payment for securities purchases by the settlement date. If you are paying by check or funds transfer, you should always make payments directly to Fidelity Investments. Review all transaction confirmations and account statements or reports carefully and promptly. You should report any errors or any questions you have to a Fidelity Representative immediately. Top Use the right resources Consult an attorney or a tax advisor for specific tax or legal advice. Keep in mind that you are fully responsible for your investment decisions. Consider carefully the validity and reliability of investment information obtained from all sources, especially unsolicited information obtained over the Internet. Understand that neither our guidance nor the opinions of outside securities analysts should ever be interpreted as a guarantee of future performance or rate of return. Top