Electronic Services Customer Agreement

Contents

Privacy Policy

Contents


1. Overview and Consent

Subject to and conditioned upon my consent to the terms set forth in this Electronic Services Customer Agreement ("Agreement"), Fidelity grants me a limited, revocable, nontransferable and nonexclusive license to use Fidelity’s Electronic Services (the "Services"). Such license is in addition to any additional agreement(s) referred to and incorporated into this Agreement below with respect to the Services generally or certain products and services that may be accessed via the Services.

I understand that this Agreement is between me and Fidelity (where Fidelity refers to Fidelity Brokerage Services LLC, Fidelity Distributors Corporation, National Financial Services LLC, Fidelity Investments Institutional Services Company, Inc. and/or one or more of their affiliates, as the context may require) and states the terms and conditions of my use of the Services. I agree to use the Services only in accordance with this Agreement. If I do not agree with the terms of this Agreement, I understand I may not use and agree to refrain from using the Services. The Services include but are not limited to Fidelity Automated Service Telephone (FAST®), Fidelity Active Trader Pro®, Fidelity’s browser trading tools, Wealth-Lab Pro®, the Fidelity App for Android, NetBenefits.com, Fidelity's alerts and wireless trading services and any online securities trading or informational system, web-based, wireless or otherwise, established by Fidelity directly or through online business partners that Fidelity may make available in the future. The Services and the data, information and content available to me through the Services depend on my Fidelity accounts and the nature of my relationship with Fidelity. If my relationship to Fidelity arises in connection with workplace services provided to my employer, this agreement does not modify or displace the terms of any applicable plan, or my employer's agreement with Fidelity. If my relationship to Fidelity arises in connection with workplace services provided to my employer or through an advisor relationship, I understand that certain features such as Watch List are not intended for my account. The Services make available to me a variety of interactive computer, handheld device and telephone services which may allow me to access my eligible Fidelity accounts, securities held therein, enter orders to buy and sell certain securities, obtain quotations, request to receive from Fidelity proprietary and third party information regarding individual securities, the financial markets, Fidelity’s products and services and other information via electronic transmission. Certain Services may be available via one or more different types of electronic devices or means, including a personal computer, handheld device, one-way pager, two-way pager, email, facsimile, internet-ready telephones, personal data assistants or other electronic means (collectively, "Access Devices") as Fidelity may elect from time to time. Available Access Devices may differ among different offerings within the Services. The Services may be marketed under various brand names including, without limitation, "Fidelity Mobile".

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2. Privacy: Incorporation of Other Fidelity Agreements

I understand that I must enter certain information through the Services using my Access Device in order to use certain aspects of the Services and/or to request to have Fidelity send information to my Access Device. This information may include the identity of the types of information I am requesting Fidelity to send to me, information regarding my Access Device(s) and categories of products and services in which I am interested and my account information. I understand that my use of the Services and Fidelity’s use of this and any other information I enter through the Services is subject to the terms of Fidelity’s Privacy Policy.

I understand that my use of certain of the Services may be subject to the terms of a license agreement contained with any software required for such Service, and that my use of the Services may be subject to license or usage terms posted online by Fidelity. I agree to be bound by the terms of such license agreements and terms, including without limitation the prohibitions on distribution and copying, the exclusion of all representations and warranties, and the limitation of remedies.

I understand the Services may provide access to other products and services that are subject to separate user agreements. I understand that, to the extent applicable, the terms of such agreements are incorporated into this Agreement by reference, to the extent such terms do not conflict with the terms of this Agreement. In the event of a conflict the terms of such separate user agreement will prevail with respect to such specific products or services (such as a credit card agreement), including without limitation different policies concerning error resolution and liability may apply, as described in the separate agreement.

I understand that my relationship with Fidelity may be governed by other agreements, including, but not limited to, the terms and conditions which govern the account(s) at Fidelity which I access via the Services (including without limitation, the Fidelity Brokerage Customer Agreement, Margin Agreement, Options Agreement, Fidelity Brokerage Retirement Account Customer Agreement, mySmart Cash Account, custodial agreements and/or applicable mutual fund prospectus(es)). In addition, I understand that trading in my account is subject to Fidelity's trading policies and limitations that are in effect and subject to change from time to time. Further, I agree that prior to my first use, I will review any applicable trading tutorials for my eligible Access Device that I may use to place trades through the Services.

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3. Responsibilities of User: Scope of Use

I shall be the only authorized user of the Services under this Agreement and shall only use the Services for my personal, non-commercial purposes. I agree not to re-disseminate, publish, broadcast or otherwise commercially exploit any information obtained through the Services in any manner to third parties without the express written consent of Fidelity, unless I have otherwise agreed in writing with Fidelity based on the nature of my relationship. I shall be responsible for the confidentiality and use of my password(s), Customer Identification Numbers, Personal Identification Numbers ("PIN") and other security data, methods and for the physical security of my Access Devices. I understand that I shall be solely responsible for all orders electronically transmitted, or use of any data, information, or services obtained, using my passwords, PINs, Customer IDs, security codes and other security data. I accept full responsibility for the monitoring of my account. I agree that Fidelity shall not be under a duty to inquire as to the authority or propriety of any instructions given to Fidelity by me or via my PIN, and shall be entitled to act upon any such instructions; and Fidelity will not be liable for any losses I incur, (including any claims, damages, actions, demands, investment losses, or other losses, as well as any costs, expenses charges, attorneys’ fees, or other fees and expenses incurred by ... me, or other liability arising out of any such instructions as long as such instructions reasonably appear to be authentic.) I agree that the Services are the proprietary property of Fidelity and/or third parties from which Fidelity has obtained rights. Information available through the Services is the property of Fidelity or the applicable third party data and/or content licensors or providers (collectively, the "Providers") and is protected by applicable copyright law.

I understand that I must use caution when placing market orders because the price of securities may change sharply during the trading day or after-hours and that if I have limited assets to pay for a transaction, such as a retirement account with contribution restrictions, I should consider placing a limit order. In addition, I understand and agree that if I cannot pay for a transaction, Fidelity may liquidate account assets at my risk. Also, I understand that during periods of heavy trading, volatility or other events, the quotes provided as "real time" may not reflect current market prices or quotes. In addition, when quotes are rapidly changing, each quote update may not be reported to me. I understand that there may be delays with or interruptions or failures of the Services and I agree to accept the risk and responsibility associated with such delays, interruptions and failures. I understand that Services availability and response time may be subject to market and other conditions. Fidelity shall not be responsible for, and makes no warranties regarding, the access, speed or availability of the Services, Internet or network services.

By using the Services, I recognize that the use of these Services depends on certain factors outside of Fidelity’s control, and is subject to current limitations of wireless and network technologies. By using these Services, I agree that Fidelity is not responsible for any losses resulting from my use and acknowledge the following risks: (1) wireless access may be delayed or interrupted, or may be unavailable; (2) data transmitted through wireless access may be intercepted by unauthorized persons; (3) your failure to physically secure your wireless device or to protect your passwords can result in authorized access to your Fidelity account(s); (4) the accuracy and timeliness or completeness of data transmitted through wireless access cannot be guaranteed; and (5) response times may be delayed by market volatility, volume or systems capacity. If you are unable to perform a transaction through the Services, go to Fidelity.com or call 1-800-FIDELITY or, for workplace services transactions, please visit NetBenefits.com or call your toll-free workplace services phone number.

The Services are provided for informational and/or educational purposes and are not intended to provide tax, legal or investment advice and should not be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by Fidelity or any Provider. I acknowledge that my requests for information through the Services are unsolicited and such information is either statistical information containing no expression of opinion or is impersonal advice not intended to meet the objectives or needs of specific individuals or accounts. I understand that I alone am responsible for determining whether any investment, security or strategy is appropriate or suitable for me and that neither Fidelity nor any Provider has made any determination that any recommendation, investment, or strategy in such information is suitable or appropriate for me based on my investment objectives and financial situation. I agree not to rely solely on the information received via the Services in making my investment decisions.

I assume all risks associated with directing Fidelity to send messages to Access Devices that may not utilize personalized security codes or encryption. I understand that if I leave my Access Device unattended during or after using the Services, an unauthorized user may be able to use such Access Device to place orders in or otherwise access my accounts, personal information and/or view trading information I entered into the Services. I understand this type of security risk can be minimized, for example and as applicable, by logging out of the Services and closing my Internet browser when my computer is unattended by me or keeping my Access Devices under my physical control.

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4. User Consent

I recognize that my use of the Services may involve the transmission to me of information that may be considered personal financial information, including but not limited to the identity and number of shares that I trade and the net dollar price for the shares. By using the Services, I consent to the transmission by electronic means of such personal financial information through the Services and to the receipt of Mutual Fund Trade Confirmations and Related Prospectuses electronically, if applicable depending on the nature of my relationship with Fidelity; such consent shall be effective at all times that I use the Services. I acknowledge that Fidelity cannot assure the security or privacy of electronic transmission of such information. Accordingly, I must assess whether my use of the Services is adequately secure to meet my particular needs. For order entry via two-way wireless devices, Fidelity may request personalized security codes or other information, and may utilize encryption. I understand that my use of certain aspects of the Services, including without limitation two-way paging and other wireless Internet or network services, may allow others to identify my geographical location. Fidelity will not be liable for any losses resulting from unauthorized transactions if the transaction reasonably appears to be authentic. Fidelity will take reasonable security precautions, but Fidelity disclaims any liability for interception of any personal information, data or communications.

If I need a paper version of a prospectus or trade confirmation, I will call Fidelity at 1-800-FIDELITY to request that a copy be sent through the mail.

If I use the Services, I agree and consent to receive Fidelity’s privacy notices or policies electronically, and to such end Fidelity and its affiliates may post privacy notices or policies on its Web sites or make them available through the Services. I understand that telephone calls to Fidelity may be monitored or recorded, and hereby consent to such monitoring or recording.

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5. Error Notification; Other Notices

As an account owner, I understand that I am responsible for monitoring my account. This includes making sure that I am receiving transaction confirmations, account statements and any other expected communications. It also includes reviewing these documents to see that information about my account is accurate and contains nothing suspicious. I understand that all trade orders placed through the Services are at my sole risk and responsibility. I further understand I must notify Fidelity of the existence of certain circumstances relating to my use of the Services. Specifically, I agree that any trade orders given by me and any information furnished to me by use of the Services shall be subject to the following terms and conditions to the extent such terms and conditions are not superseded by applicable laws and/or regulations:

a. If an order has been placed through the Services and I have not received a reference number reflecting the order, I shall immediately notify Fidelity.

b. If an order has been placed through the Services and I have not received an accurate written confirmation of the order or of its execution within five (5) business days, I shall immediately notify Fidelity.

c. If I have received confirmation of an order that I did not place or any similar conflicting report, I shall immediately notify Fidelity.

d. If there is a discrepancy in the account balance, security positions or order status reported to me by Fidelity I shall immediately notify Fidelity.

e. If there is any other type of discrepancy or suspicious or unexplained occurrence relating to the Services or my account I shall immediately notify Fidelity.

f. If I have not received a communication I expected, or if I have a question or believe I have found an error in any communication from Fidelity, I will telephone Fidelity immediately, and then follow up with written confirmation.

g. I shall immediately notify Fidelity if the PIN I use with the Services is lost or stolen or if there is unauthorized use of my PIN.

h. If, through any error, I have received property that is not rightfully mine, I agree to notify Fidelity and return the property immediately.

If I fail to notify Fidelity when any of the above conditions (a) - (f) occur (and in any event if the above condition (g) occurs), neither Fidelity nor any of its employees, agents, affiliates, subsidiaries, control persons, or its parent, nor any third parties, can or will have any responsibility or liability to me or to any other person whose claim may arise through me for any claims with respect to the handling, mishandling, or loss of any order or information. Notwithstanding my notification to Fidelity, Fidelity shall not be liable for any claims, demands, actions, losses, damages, liability, costs, charges, counsel fees, or expenses of any nature ("Losses") related to the Services except as expressly set forth in this Agreement. I understand that Fidelity shall not be deemed to have received any order electronically transmitted by me until Fidelity has acknowledged to me that the order has been received by Fidelity.

I understand that so long as Fidelity sends communications to me at the physical or electronic address of record given by me to Fidelity, or to any other address given to Fidelity by an authorized person, the communications are legally presumed to have been delivered, whether I actually received them or not. In addition, confirmations and statements are legally presumed to be accurate unless I specifically tell Fidelity otherwise.

All notifications to Fidelity pertaining to this Agreement shall be directed to:

For Retail notifications:

Fidelity Investments
Attn: Client Services
P.O. Box 770001
Cincinnati, OH 45277-0045
or by calling 1-800-544-6666

For Workplace Savings notifications:

Fidelity Institutional Retirement Services Company
P.O. Box 770003
Cincinnati, OH 45277-0065

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6. Limitation of Liability & Disclaimer of Warranties

Any liability arising out of the Services for which Fidelity is determined to be responsible shall be limited to an amount equal to the benefit that I would have realized up to the time by which I should have notified Fidelity, as specified in this Agreement.

While all information accessible through the Services has been obtained from sources believed to be reliable, I understand that Fidelity will not be responsible whatsoever for the accuracy, timeliness, completeness, or use of any information received by it or received by me from Fidelity or any Provider through the Services and that Fidelity does not make any warranty concerning such information. I agree that neither Fidelity nor any Provider or third party working with Fidelity to provide Services hereunder shall be responsible for any Losses caused by telecommunications network, encryption or communications line failure, unauthorized access, theft, systems failure, systems delays and other occurrences beyond its reasonable control. To the extent that any Services use Internet, wireless or related electronic or telephonic services to transport data or communications, Fidelity will take reasonable security precautions, but Fidelity disclaims any liability for interception of any such data or communications.

I expressly acknowledge and agree that the use and storage of any information, including without limitation, portfolio information, transaction activity, account balances, and any other information or orders available through use of the Services is at my sole risk and responsibility.

FIDELITY DOES NOT, NOR DOES ANY PROVIDER OR OTHER THIRD PARTY, MAKE ANY REPRESENTATIONS OR WARRANTIES EXPRESS OR IMPLIED INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE IN RESPECT TO THE SERVICES OR ANY INFORMATION, PROGRAMS OR PRODUCTS OBTAINED FROM, THROUGH, OR IN CONNECTION WITH THE SERVICES. THE SERVICES MAY CONTAIN TECHNICAL AND OTHER ERRORS AND LIMITATIONS AND ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. FIDELITY CANNOT AND DOES NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENTNESS, NON-INFRINGEMENT, SECURITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE SERVICES AND ALL INFORMATION MADE AVAILABLE THROUGH THE SERVICES. THE ENTIRE RISK AS TO RESULTS AND PERFORMANCE OF THE SERVICES, INCLUDING THE RECEIPT OF QUOTES AND THE ENTRY AND TIMING OF EXECUTION OF ORDERS TO SELL AND BUY SECURITIES, IS ASSUMED BY ME. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATION MAY NOT APPLY TO ME. I MAY HAVE ADDITIONAL RIGHTS THAT VARY FROM STATE TO STATE OR BY JURISDICTION. UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY, TORT, CONTRACT OR OTHERWISE, SHALL FIDELITY, ANY PROVIDER OR ANY OTHER THIRD PARTY INVOLVED IN THE CREATION, PRODUCTION OR DELIVERY OF THE SERVICES BE LIABLE FOR ANY INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, SUCH AS, BUT NOT LIMITED TO, LOSS OF ANTICIPATED PROFITS OR BENEFITS ARISING OUT THE USE, RESULTS OF USE, OR INABILITY TO USE THE SERVICES, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIMS. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMIT MAY NOT APPLY TO ME.

I agree to indemnify and hold harmless Fidelity from and against Losses arising from my: i) use of any aspect of the Services over which Fidelity does not exercise exclusive control; ii) violation of this Agreement; or iii) violation of any third party’s rights (including, without limitation, any Provider), including but not limited to copyright, proprietary and privacy rights. This indemnification and hold-harmless obligation will survive the termination of the Agreement.

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7. Eligibility Criteria, Commission Policy & Other Charges

I understand that the Services are intended to be made available only to persons in the United States. In addition, Fidelity may limit access to all or a portion of the Services to Fidelity customers who meet certain criteria ("Eligibility Criteria"). The identification of Eligibility Criteria is within Fidelity’s sole discretion and is subject to change at any time and from time to time. The Services may provide access to information regarding additional products and services that may be subject to different Eligibility Criteria than those required to qualify for the Services.

Commission discounts may be available to certain Fidelity accounts which utilize the Services. However, such discounts will not apply to any transactions which for any reason cannot be placed and executed through the Services.

I agree to be liable for any and all fees, charges or expenses that Fidelity may charge or I may incur in connection with the use of the Services by me or any other person through use of my PINs, Customer IDs, passwords, security codes, equipment, or otherwise, if any. I understand that the rates, fees, billing and terms governing services provided by Access Device vendors, the Providers or other third party service providers may be determined solely by such third party. I understand and acknowledge that Fidelity is not delivering telecommunication, Internet, paging services or any other means of electronic access and that I am responsible for maintaining appropriate contracts with third parties to obtain such services and I will be solely responsible for paying all charges related thereto. I agree to obtain access to and be solely liable for all payments related to all equipment and Access Devices necessary to access the Services. I further understand that my ability to make use of the Services may be limited by technical or other limitations present in the equipment and Access Devices I use to access the Services.

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8. Market Data, Charts, News & Research and Third Party Content

The Services may include access to historical price charts, news headlines, general news and information, commentary, interactive tools, quotes, research reports and data concerning the financial markets (including without limitation real-time quotes), securities and other subjects. Some of this content is supplied by Providers that are not affiliated with Fidelity ("Third Party Content"). The source of all Third Party Content is identified. The Third Party Content is protected by copyright pursuant to United States laws and international treaties and is owned or licensed by the Third Party Content Provider(s) credited.

Fidelity has not been involved in the preparation, adoption or editing of Third Party Content and does not explicitly or implicitly endorse or approve such content. The Third Party Content Providers do not implicitly or explicitly endorse or approve the Third Party Content, nor do they give investment advice, or advocate the purchase or sale of any security or investment.

While Fidelity makes every attempt to provide accurate and timely information to serve the needs of users, neither Fidelity nor the Providers guarantee the accuracy, timeliness, completeness or usefulness of any data, information or messages disseminated by any party (including, without limitation, Third Party Content) and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from Providers’ or any other third party sites. Third Party Content is provided for informational purposes only and Fidelity and the Providers of Third Party Content specifically disclaim any responsibility for Third Party Content available on the site. I will use Third Party Content only at my own risk. THE THIRD PARTY CONTENT IS PROVIDED ON AN "AS-IS" BASIS. THE THIRD PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.

THE THIRD PARTY CONTENT PROVIDERS AND THEIR PARENTS, SUBSIDIARIES, AFFILIATES, SERVICE PROVIDERS, LICENSORS, OFFICERS, DIRECTORS OR EMPLOYEES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THE USE OR THE INABILITY TO USE THE THIRD PARTY CONTENT, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE DAMAGES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

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. Certain other content filtering may take place from time to time based on objective criteria.

All content on the Services is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, I am responsible for setting the cache settings on my Access Device to ensure I am receiving the most recent data.

Fidelity shall not be liable in any way, and I agree to indemnify and hold harmless Fidelity from and against any and all Losses arising from or occasioned by (a) any inaccuracy, error, or delay in, or omission of, (i) any data, information, or message disseminated by any party or (ii) the transmission or delivery of any such data, information, or message, or (b) any Losses arising from or occasioned by (i) any such inaccuracy, error, delay, or omission, (ii) nonperformance, or (iii) interruption of any such data, information, or message, due either to any act or omission by Fidelity or any other disseminating party or to any "force majeure" (i.e., acts of God, acts of terrorism, acts of civil or military authority including governmental priorities, fires, floods, wars, insurrections, riots, extraordinary weather conditions, earthquake, labor dispute, accident, communications, or power failure, equipment or software malfunction) or any other cause beyond the reasonable control of any disseminating party. I understand that the terms of this Agreement may be enforced directly against me by the national securities exchanges and associations or Provider providing market data to me.

Fidelity reserves the right to limit the number of free real-time quotes, including those provided through the Services.

I represent and agree that the following statements are and will continue to be true for so long as I have access to the Services: (a) I will not use any information or market data provided by a national securities exchange or association in connection with any professional or commercial activities, and I agree to notify Fidelity if I intend to do so and to pay any additional charges in connection therewith; and (b) I will not use the Services in conjunction with any business as a broker-dealer, investment advisor, futures commission merchant, commodities introducing broker, commodity trading advisor, member of a securities exchange or association or futures contract market, or an owner, partner or associated person of any of the foregoing; and (c) If I am employed by a bank or insurance company or an affiliate of either I will not perform functions related to securities or commodity futures trading activity, except with respect to my personal account(s) with Fidelity.

I understand that the data, content, reports and tools available through the Services are subject to change at any time and from time to time without prior notice to me.

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9. Modification & Termination

I agree that Fidelity may modify, change, or discontinue the Services in whole or in part, at any time. I agree that Fidelity may immediately terminate its provision of the Services to me if I breach this Agreement, if I have jeopardized the proper and efficient operation of the Services, or if I engage in activity which is contrary to Fidelity’s policies. Any unauthorized use of the Services, whatsoever, shall result in automatic termination of this Agreement.

Fidelity may revise, modify or amend this Agreement at any time without notice. I understand I should check this Agreement regularly. If a court of competent jurisdiction deems any provision of this Agreement unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

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10. Choice of Law

I acknowledge that this Agreement, as well as any additional terms and conditions which may be incorporated herein pursuant to Section 2 (Incorporation of Other Fidelity Agreements), constitutes the entire agreement between Fidelity and me with respect to its subject matter and supersedes all prior agreements. This Agreement and its enforcement shall be governed by the laws of the Commonwealth of Massachusetts, except with respect to conflicts of law, and shall inure to the benefit of Fidelity’s successors and assigns, whether by merger, consolidation, or otherwise. Fidelity may send notices by U.S. mail, via electronic broadcasts through the Services, or through other means, to inform me of changes to the Services or this Agreement.

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Privacy Policy

Our Commitment to Privacy

Fidelity Investments and the Fidelity Funds are committed to maintaining the confidentiality, integrity, and security of personal information about our current and prospective customers. We are proud of our privacy practices and want you to know how we protect this information and use it to service your account.

We hope you will take a moment to review the full privacy policy of the Fidelity Investments family of companies. Please note that certain details of this policy may depend on whether you deal with us through an investment professional, directly as an individual investor, or whether Fidelity provides services to your employer or plan sponsor. If you are a shareholder in one or more Fidelity Funds, please also review the related privacy policy of the Funds.

The privacy policies of Fidelity Investments and the Fidelity Funds are reviewed annually. Our printed and online notices are then updated to reflect any changes.

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Fidelity Investments Privacy Policy

How and why we obtain personal information

Fidelity takes great care to protect personal information about you and when we use it, we do so with respect for your privacy. We may use personal information about you to service and maintain your account; process transactions in your account; respond to inquiries from you or your representative; develop, offer, and deliver products and services; or to fulfill legal and regulatory requirements. Fidelity may collect public and non-public personal information about you from any of the following sources:

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How we protect information about you

Fidelity considers the protection of personal information to be a foundation of customer trust and a sound business practice. We employ physical, electronic and procedural controls and we regularly adapt these controls to respond to changing requirements and advances in technology.

At Fidelity, we restrict access to personal information to those who require it to develop, support, offer and deliver products and services to you.

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How we share information about you with third parties

Fidelity does not share personal information about our customers with unaffiliated third parties for use in marketing their products and services. We may share personal information with the following entities:

Our service providers are obligated to keep the personal information we share with them confidential and use it only to provide services specified by Fidelity.

Based on the nature of your relationship with Fidelity, we may exchange information with other third parties as described below:

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How we share information about you within Fidelity

We may share personal information about you with various Fidelity corporate affiliates including internal service providers which perform, for example, printing, mailing, and data processing services.

Additionally, if you interact with Fidelity directly as an individual investor (including joint account holders) or if Fidelity provides services to your employer or plan sponsor, we may exchange certain information about you with Fidelity financial services affiliates, such as our brokerage and insurance companies, for their use in marketing products and services as allowed by law.

Information collected from investment professionals' customers is not shared with Fidelity affiliates for marketing purposes, except with your consent or the consent of your investment professional and as allowed by law.

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Privacy online

Privacy, security and service in our online operations are just as critical as in the rest of our business. Fidelity employs all of the safeguards described previously, along with the following Internet-specific practices.

We use firewall barriers, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect Fidelity accounts and systems from unauthorized access. We may also place cookies and similar files on your hard drive for purposes such as security, to facilitate site navigation, and to personalize your experience on our site. Our cookies do not identify you by name as an individual or by account number.

When you visit Fidelity’s Internet sites, we may collect technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our Web sites. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our Web design and functionality.

We may use third-party service providers to help us analyze certain online activities. For example, these service providers may help us measure the performance of our online advertising campaigns or analyze visitor activity on our Web sites. We may permit these service providers to use cookies and other technologies, such as Web beacons or pixel tags, to perform these services for Fidelity. We do not share personally identifiable information about our customers with these third-party service providers, and these service providers do not collect such information on our behalf.

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Additional information

If you are a former customer, these policies also apply to you; we treat your information with the same care as we do information about current customers.

For your convenience, Fidelity offers several options for accessing and, if necessary, correcting your account information. You can review your information independently using your statements, or through our automated telephone or Internet services. You may also write or call us with your request for information. If we serve you through an investment professional, please contact them directly. Specific Internet addresses, mailing addresses and telephone numbers are listed on your statements and other correspondence.

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The Fidelity Investments Privacy Policy is provided on behalf of:

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Fidelity Funds Privacy Policy

Protecting your personal information is an important priority for the Fidelity Funds. The Funds' privacy policy is designed to support this objective. The Funds collect non-public personal information concerning you in the following ways:

The Funds employ physical, electronic, and procedural controls to safeguard your information. For example, the Funds authorize access to your personal and account information only for personnel who need that information in order to provide products or services to you.

The Funds do not disclose any non-public personal information about you, except as permitted by law. For example, the Funds have entered into a number of arrangements with Fidelity Investments to provide for investment management, distribution and servicing of the Funds.

If you decide to close your account, the Funds will continue to adhere to the privacy policies and practices as described in this notice.

Please read the Fidelity Funds Privacy Policy in conjunction with the Privacy Policy for the Fidelity Investments companies of which you are also a customer.

The Fidelity Funds Privacy Policy is provided on behalf of the Fidelity Investments family of mutual funds.

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