Please carefully consider the fund's investment objectives, risks, charges and expenses before investing. For this and other information, call or write to Fidelity for a free prospectus. Read it carefully before you invest or send money.
The Terms of Use were last modified in June 2005.
READ BEFORE CONTINUING -- YOUR ACCEPTANCE OF TERMS OF USE
National Financial Services LLC, a Fidelity Investments company, 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 and their content). 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 this Fidelity site and clicking on the Terms of Use hyperlink. 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
Mutual Funds and Variable Annuities
Fidelity Investments Sites and Companies
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 and Forum
Severability
The Fidelity Sites are intended for your personal, non-commercial use only, unless you and Fidelity have agreed otherwise in writing.
MUTUAL FUNDS AND VARIABLE ANNUITIES
Please carefully consider the fund's investment objectives, risks, charges and expenses before investing. For this and other information, call or write to Fidelity for a free prospectus. Read it carefully before you invest or send money.
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 will fluctuate and you may have a gain or loss when money is withdrawn. Taxable amounts withdrawn prior to age 59 ½ may be subject to a 10% IRS penalty tax.
FIDELITY INVESTMENTS SITES AND COMPANIES
The following Fidelity Investments entities are broker/dealers that offer investment and brokerage products and services on this web site:
Fidelity mutual funds:
Retail and Brokerage products and services and the FundsNetwork program:
Institutional products and services:
The following Fidelity Investments companies also offer products and services on this site, but are not broker/dealers:
Portfolio Advisory Services and Private Portfolio Services:
Annuities and Life Insurance Products:
INFORMATION FOR FOREIGN INVESTORS
The Fidelity Sites are intended to be made available only to persons in the United States, and the information on this web site 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.
BROKER/DEALER'S POTENTIAL CONFLICTS
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 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. Certain tools available on the Fidelity Sites, however, may be deemed to provide general investment advice based upon your personalized input. 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.
COPYRIGHT 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.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 Corp. 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 and is known as "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 by the date published or indicated only, and may be superseded by subsequent market events or 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.
PASSWORD SECURITY AND NOTIFICATION
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 not disclose your PIN to anyone else. Notify Fidelity immediately if you become aware of any disclosure, loss, theft or unauthorized use of your PIN.
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 these 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.
National Financial Services LLC, Member NYSE, SIPC
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