Fidelity Electronic Funds Transfer (EFT) Disclosures

You understand that Fidelity will disclose information to third parties about your account or the transfers you make:

• Where it is necessary for completing transfers
• In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant
• In order to comply with a government agency or court order
• If you give Fidelity your written permission
• For other purposes in accordance with Fidelity's privacy statement

Fidelity does not charge a fee for the EFT service, although your financial institution may charge transaction fees.

After Fidelity processes your request to establish an EFT, there may be a four-day period during which the service will be unavailable to transfer funds to or from your bank account. Once transfers are available, the EFT service may be subject to a maximum transaction amount limit, which will vary based on the type of Fidelity account for which you are establishing the EFT service. This limit will generally prevent you from transferring more than $100,000 to or from your bank account in any single transaction. There are also cumulative daily limits and a required minimum transaction amount, which generally prohibits you from initiating a transfer of less than $10 (or, the fund minimum for Fidelity mutual fund accounts) to or from your bank account.

There is no minimum account balance to process an EFT transaction; however, your core money market account must have adequate funds to cover the transfer.

There is no minimum account balance to process an EFT transaction; however, you must have an adequate balance in your mutual fund position to cover the transfer.

Fidelity's business days are Monday through Friday, excluding bank and New York Stock Exchange holidays.

You will receive a quarterly account statement and, if there are transactions in a particular month, also a monthly statement from Fidelity.

If you have direct deposits to your Fidelity Account or Fidelity mutual mund account at least once every sixty (60) days from the same person or company, you can call Fidelity at 1-800-544-6666 to find out whether or not the deposit has been made.

Use of the EFT service for transfer of funds other than for the primary purpose of purchasing or selling securities (covered transfers) is generally covered under the Electronic Funds Transfer Act and the Bureau of Consumer Financial Protection's Regulation E and related laws and regulations. The following terms and disclosures apply to covered transfers:

• Unauthorized Transfers:
  Notify Fidelity at 800-544-6666 promptly if you believe your password has been lost, stolen, or used without your permission.This will help prevent further losses. If you notify Fidelity within 2 business days after you learn of the loss, theft, or someone using your password, you will not be responsible for anything more than $50.
  
  If you do NOT tell Fidelity within 2 business days after you learn of the loss or theft of your password, and Fidelity can prove that any unauthorized use could have been prevented if you had told Fidelity within the 2 days, you could be responsible for as much as $500.
  
  If your statement shows Covered Transfers that you did not make, notify Fidelity promptly. If you notify Fidelity no later than 60 days after the first statement reflecting this transfer was mailed, you will get lost money back. If you do NOT reach Fidelity within 60 days, you may not get back any lost money if Fidelity can prove that the loss could have been stopped, if notified, in time. In extenuating circumstances, Fidelity may extend such time periods. Additional protection may be available from Fidelity for specific accounts under certain circumstances.
• Stop Payment Procedures:
  If you have Fidelity making regular covered transfers from your Fidelity account, you can stop these payments by notifying Fidelity. You need to call or write to Fidelity using the contact information l below. Fidelity will need to receive your request at least 3 business days before the payment is scheduled to be made.
  
  If you call, Fidelity may require you to put your request in writing within fourteen (14) days after you call. Unless otherwise provided, you may not stop payment of electronic funds transfers; therefore, you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment.
• Fidelity's Liability for Failure to Make Covered Transfers:
  If Fidelity does not complete a Covered Transfer to or from your Fidelity account on time, or in the correct amount, according to Fidelity's agreement with you, Fidelity may be liable for your losses or damages. There are some exceptions. Fidelity will not be liable if:
  • Through no fault of Fidelity's, you do not have enough money in your Fidelity account to make the covered transfer.
  • The money in your Fidelity account is subject to legal process or other claim restricting such transfer.
  • The transfer would exceed your margin availability, if any.
  • The bank account information you provided to Fidelity when you established the EFT service was incorrect or has subsequently become incorrect.
  • Circumstances beyond Fidelity's control (such as fire or flood) prevent the transaction, despite reasonable precautions taken by Fidelity.
  • There was a technical malfunction which was known to you at the time you attempted to initiate a Covered Transfer or, in the case of a preauthorized Covered Transfer, at the time the transfer should have occurred.
  Note, there may be other exceptions stated in our agreement with you.
  
• Error Resolution
  Notify Fidelity promptly in the case of errors or questions about your covered transfers. Call or write to Fidelity using the contact information listed below if you think your statement is wrong or if you need more information about a covered transfer on the statement you must reach Fidelity no later than 60 days after Fidelity sent the statement on which the problem or error appeared. You will:
  • Tell Fidelity your name and account number
  • Describe the error or the transfer that you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information
  • Tell Fidelity the dollar amount of the suspected error
  
  If you notify Fidelity over the phone Fidelity may require that you send your complaint or question in writing within 10 business days.
  
  Fidelity will generally provide the results of its investigation within 10 business days and correct any error promptly. In some instances, it may take up to 45 days to investigate your complaint or question. If Fidelity needs more than the 10 days, Fidelity will credit your account within 10 business days for the amount that you think is in error, so that you will have the use of the money while Fidelity completes the investigation.
  
  If Fidelity asks you to put your request or question in writing and it does not receive it within 10 business days, or if your account is a brokerage account subject to Regulation T of the Board of Governors of the Federal Reserve System (Credit By Brokers and Dealers, 12 CFR 220), Fidelity may not credit your account.
  
  For questions involving new accounts, point of sale or foreign initiated transactions, Fidelity may take up to 90 days to investigate your complaint or question. With respect to new accounts, Fidelity may take up to 20 business days to credit your account for the amount you think is in error. Fidelity will inform you of the results of its investigation within 3 business days of its completion. If Fidelity decides that there was no error, Fidelity will send you a written explanation. You may ask for copies of the documents that Fidelity used in the investigation.