Before investing, consider the investment objectives, risks, charges and expenses of the fund or annuity and its investment options. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

The Terms of Use were last modified in June 2010.  Please note this Terms of Use covers multiple Fidelity web sites, so some terms may refer to features that are only accessible on certain web sites.

TERMS OF USE and ACCEPTANCE OF THEM
FMR LLC is pleased to provide you with the information, content, tools, products and services 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”). There are many different Fidelity companies, and their affiliates, that provide information, content, tools, products and services on and through the Fidelity Sites. These companies are identified below and in each part of the Fidelity Sites where they provide such information, content and services.

These Terms of Use are a binding agreement between you and the Fidelity companies listed below, as well as their U.S. 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 Fidelity.com and clicking on the Terms of Use hyperlink located at the bottom of the page. These Terms are in addition to any other agreements between you and Fidelity, including any customer or account agreements, and any other agreements that govern your use of information, content, tools, products and services available on and through the Fidelity Sites.

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

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 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.

COOKIES & COLLECTION OF INFORMATION
We may 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.  When you visit Fidelity 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.

FIDELITY SITES AND COMPANIES
FMR LLC is the parent company of various Fidelity entities. Some of these entities are financial services companies, that may be registered under federal or state laws, and others are not regulated as such and may, for example, provide media, information and content publishing services. A listing of all Fidelity Entities, that provide content on the Fidelity Sites, is listed below.

Portions of this site are published or selected by Fidelity Interactive Content Services LLC (“FICS”). FICS is a media company with main offices in New York, NY. FICS seeks to present users with objective news, information, data and guidance on personal finance topics drawn from a diverse collection of sources including affiliated and non-affiliated financial services publications and FICS-created content. Content drawn from FICS affiliated entities is marked and labeled as such. FICS selected and published content is not intended to provide tax, legal, insurance 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 any Fidelity entity or any third party. Certain tools published by FICS may provide general information and guidance based upon your personalized input. Securities quotes are delayed 20 minutes unless otherwise noted. FICS is owned by FMR LLC and is an affiliate of Fidelity Brokerage Services LLC, among others.

The following Fidelity Investments entities are broker-dealers that offer investment and brokerage products and services through Fidelity Sites:

• Fidelity Brokerage Services LLC. Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 provides Investment and workplace savings plan products and services offered directly to investors and plan sponsors
• Fidelity Distributors Corporation, 82 Devonshire Street, Boston, MA 02109 provides Fidelity Mutual Funds
• Fidelity Investments Institutional Services Company, Inc., 100 Salem Street, Smithfield, RI 02917 or National Financial Services, LLC, Member NYSE, SIPC, 200 Seaport Boulevard, Boston, MA 02110 provides Institutional products and services.

The following is a selected list of various Fidelity Investments companies that also provide information, content, tools and products and services through Fidelity Sites:

• Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company
• Fidelity Personal Trust Company, FSB (“FPT”), a federal savings bank
• Fidelity Management Trust Company (“FMTC”).
• Fidelity Portfolio Advisory Service® is a service of Strategic Advisers, Inc., a registered investment adviser and a 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. These services provide discretionary money management for a fee.
• Fidelity Interactive Content Services LLC (“FICS”), a media company
• Fidelity Personal and Workplace Investing
• Fidelity Investments Institutional Operations Company, Inc.
• Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., distribute fixed and variable insurance products issued by Fidelity Investment Life Insurance Company, Empire Fidelity Investments Life Insurance Company, New York, NY, and certain third party insurance companies, which are not affiliated with Fidelity Investments.

MUTUAL FUNDS
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.

Before investing, consider the investment objectives, risks, charges and expenses of the fund or annuity and its investment options. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

WORKPLACE SAVINGS PLANS
Some 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 their 401(k), 401(a), 403(b), or 457 savings plan, or nonqualified deferred compensation plan at work.

529 COLLEGE SAVINGS PLANS
The UNIQUE College Investing Plan, U.Fund College Investing Plan, Delaware College Investment Plan, Fidelity Arizona College Savings Plan, and ScholarShare® College Savings Plan are offered by the State of New Hampshire, the 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.

Before investing, consider the Plans’ investment objectives, risks, charges, and expenses. Contact Fidelity for a Fact Kit containing this information. Read it carefully.

INFORMATION FOR FOREIGN INVESTORS
The Fidelity Sites are intended to be made available only to individuals 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.

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 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.

LIMITATIONS ON INVESTMENT GUIDANCE AND PROFESSIONAL ADVICE
The Fidelity Sites are not intended to provide legal, tax, investment or insurance advice. 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 investment planning tools available on the Fidelity Sites may provide general investment education based on your input. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your legal or or tax professional regarding your specific 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 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: 617-563-9840
By email: CopyrightClaim@fmr.com

THIRD PARTY CONTENT AND RESEARCH
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 this content is supplied by companies that are not affiliated with any Fidelity entity (“Third Party Content”). On the Fidelity sites, the source of all Third Party Content is clearly and prominently identified. Third Party Content providers include, but are not limited to, CNN Money, Dow Jones, MarketWatch, and Reuters. Third Party Content is available through framed areas, through hyperlinks to third party web sites, or is simply published on the site. 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 Third Party Content providers guarantee its accuracy, timeliness, completeness or usefulness, and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. Third Party Content is provided for informational purposes only and Fidelity and the Third Party Content providers specifically disclaim any responsibility for Third Party Content available on the site. You will use Third Party Content only at your 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.

TIMELINESS OF CONTENT
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.

PROHIBITED USES
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.

MEANS OF ACCESS
The Fidelity Sites are generally intended to be viewed by a conventional web browser with a screen resolution of 800 by 600 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.

DISCLAIMER OF WARRANTIES

• 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 MAY NOT APPLY TO PARTICIPANTS IN CERTAIN EMPLOYER-SPONSORED WORKPLACE SAVINGS PLANS.

LIMITATION OF LIABILITY

• FIDELITY WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, 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 THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

INDEMNIFICATION
As a condition of your use of the Fidelity Sites, you agree to indemnify and hold Fidelity and its Third Party Content 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.

CHANGES TO FIDELITY SITES
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.

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

GOVERNING LAW
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.

SEVERABILITY
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.