1 Based on prior three years, for active participants with a balance as of 12/31/2023. Excludes terminated and zero balance participants. Also excludes forfeiture and alternate payee accounts. Based on responses to Fidelity Financial Wellness Check-up.

By using these communications, you represent that you are an authorized representative of the organization for which you are copying, distributing, posting, or otherwise using the Fidelity-prepared communications attached here, and you accept these terms and conditions on behalf of the organization.

For plan sponsor use only.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

© 2024 FMR LLC. All rights reserved.

1168884.1.0