2008 Important Legal Information
Before investing, consider the funds’ or plans’ investment objectives, risks, charges and expenses. Contact your broker/dealer or client services manager or the fund company directly for a prospectus containing this information. Read it carefully.
The Terms of Use were last modified in June 2008.
READ BEFORE CONTINUING -- YOUR ACCEPTANCE OF TERMS OF USE
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 are a binding contract between you and the Fidelity Investments companies listed below, as well as their affiliates ("Fidelity"). By using or accessing the Fidelity Sites, you accept and agree to be bound by 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 the Fidelity sites, including but not limited to the National Financial Services LLC Web Site, and clicking on the Terms of Use hyperlink located at the bottom of all web pages. These Terms are in addition to any other agreements between you 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.
CONTENTS
Use Of Fidelity Sites
Fidelity Investments Companies
Mutual Funds And Variable Annuities
Workplace 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
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
FIDELITY INVESTMENTS COMPANIES
The following is a list of primary Fidelity Investments companies that make available products and services on this web site. The products referred to in this web site are only available through an intermediary.
Fee-Based Program, Retirement Products & Programs, Annuities Programs, Asset Management Accounts, Margin Borrowing, Wealth Management Solutions: National Financial Services LLC, Member NYSE, SIPC, 200 Seaport Boulevard, Boston, MA 02110
Mutual Fund Solutions including Fidelity Advisor Funds and Institutional Funds Network funds: Fidelity Distributors Corp., 82 Devonshire Street, Boston, MA 02109 and Fidelity Brokerage Services LLC, Member NYSE, SIPC, 300 Puritan Way, Marlborough, MA 01752
Retirement Income Planning and Managed Account Solutions: Strategic Advisors, Inc. 82 Devonshire Street, Boston, MA 02109
Capital Markets Retail and Institutional Offering: Fidelity Capital Markets Services, 200 Seaport Boulevard, Boston, MA 02109
TopMUTUAL FUNDS AND VARIABLE ANNUITIES
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.
For more complete information on any fund or variable annuity offered in your state, including expenses and any applicable charges and fees, please order a free prospectus. Read the prospectus carefully before you invest or send money.
TopSome of the funds and services described on the Fidelity Sites may not be available or appropriate in a workplace savings plan. Individual employers can provide information on any investment restrictions associated with your 401(k), 401(a), 403(b), or 457 savings plan, or nonqualified deferred compensation plan at work. Or, if an employer’s workplace savings plan is already with Fidelity, information on investment options is available by calling the toll-free retirement benefits line or by logging on to Fidelity NetBenefitsSM.
TopINFORMATION FOR FOREIGN INVESTORS
The Fidelity Sites are intended to be made available only to customers and prospective customers residing in the United States, 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 should go to the "Solutions for International Investors" page of the Fidelity Sites, 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.
TopBROKER/DEALER'S POTENTIAL CONFLICTS
As a broker/dealer, Fidelity National Financial 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 the company 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.
NO INVESTMENT RECOMMENDATIONS OR PROFESSIONAL ADVICE
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.
TopCOPYRIGHT POLICY, LINKING POLICY AND TRADEMARKS
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.nationalfinancial.com) and must be pursuant to a linking agreement with Fidelity. If you are interested in linking to the Fidelity Investments National Financial's Company Web site or particular content, please contact your National Financial representative.
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:
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.
TopAll 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.
TopThe 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.
TopAs 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.
TopUnless 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.
TopFidelity may terminate your access to the Fidelity Sites for any reason, without prior notice.
TopUnless 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.
National Financial Services LLC, Member NYSE, SIPC
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