VMware. Fidelity Retirement Master Trust. March Name Surname Job title T:

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1 VMware Fidelity Retirement Master Trust March 2018 Name Surname Job title T: Name Surname Job title T:

2 Fidelity Retirement Master Trust ( FRMT ) PLEASE NOTE: The MPF Conservative Fund under the Fidelity Retirement Master Trust does not guarantee the repayment of capital. The purchase of a Unit in the MPF Conservative Fund is not the same as placing funds on deposit with a bank or deposit-taking company. Fidelity SaveEasy Funds are not savings deposits and involve investment risks and this product may not be suitable for everyone. Investors should also consider factors other than age and review their own investment objectives. You should consider your own risk tolerance level and financial circumstances before making any investment choices or invest according to the Default Investment Strategy. When, in your selection of funds or the Default Investment Strategy, you are in doubt as to whether a certain fund or the Default Investment Strategy is suitable for you (including whether it is consistent with your investment objectives), you should seek financial and/or professional advice and make investment choices most suitable for you taking into account your circumstances. In the event that you do not make any investment choices, please be reminded that your contribution made and/or benefits transferred into the Master Trust will unless otherwise provided in this Principal Brochure be invested in accordance with the Default Investment Strategy which may not necessarily be suitable for you. You should not invest based on this document alone and should read the Principal Brochure of Fidelity Retirement Master Trust (including potential risks involved) for further information. Investment involves risks. You may suffer significant loss of your investments. Past performance is not indicative of future performance. 2 Mar 2018

3 Fidelity Member Services

4 Fidelity Website Mar 2018

5 Member login https// 5 Mar 2018

6 Member login- My account Account balance by fund Account balance by source P&L by fund P&L by source Benefit entitlement Pending asset switch instruction Transaction history Contribution summary E-Statement service 6 Mar 2018

7 Member login- Manage investments 7 Mar 2018

8 Member login- Manage investments Total: 100% 8 Mar 2018

9 Enhanced member services Same day pricing for MPF asset switching Cut-off time: 4pm on every business day Fund price calculation: SAME business day Website Telephone Form Fidelity Website Fidelity Retirement Hotline Mail or fax to HSBC Institutional Trust Services (Asia) Limited 9 Mar 2018

10 epa:an important step forward in the MPF System going fully electronic Source: MPFA e-enquiry of Personal Account ( 10 Mar 2018

11 MPFA e-enquiry of Personal Account How to apply? Source: MPFA e-enquiry of Personal Account ( 11 Mar 2018

12 Smart Form Consolidate my MPF accounts Answer a few questions and we will guide you to the right MPF form 4 HM Mar 2018

13 Smart Form Consolidate my MPF accounts Fill-in web form Generate pre-filled PDF form HM Mar 2018

14 Fidelity service channels Fidelity Website Fidelity Investor Hotline Hours Interactive Voice Response System Monday to Friday: 9am to 6pm Saturday: 9am to 1pm Fidelity Investor Centre Level 21, Two Pacific Place, 88 Queensway, Admiralty Monday to Friday: 9am to 6pm (Reservation preferred) 14 Mar 2018

15 FRMT important information This document has been prepared by Fidelity for client reporting purposes only and may not be reproduced or circulated without consent from Fidelity. FIL Limited and its subsidiaries (including FIL Investment Management (Hong Kong) Limited, 富達基金 ( 香港 ) 有限公司 ) are commonly referred to as Fidelity or Fidelity International. This document is not a promotional material. It is not an invitation to subscribe for shares in a fund nor construed as an offer to buy or sell any securities. Investment involves risks. This material contains general information only. It is not an invitation to subscribe for shares in a fund nor is it to be construed as an offer to buy or sell any financial instruments. The information contained in this material is only accurate on the date such information is published on this material. Opinions or forecasts contained herein are subject to change without prior notice. This material is issued by FIL Investment Management (Hong Kong) Limited and it has not been reviewed by the Securities and Futures Commission. Fidelity Hong Kong Tracker Fund is subject to market risk of the sector or market tracked by the relevant index, tracking error risk, passive management risk, early termination risk, etc. Please refer to the Risk Factors sub-section in the Principal Brochure of Fidelity Retirement Master Trust for further information. The Hang Seng Index measures the performance of largest and most liquid companies listed on the Main Board of the Stock Exchange of Hong Kong Limited and is compiled by adopting free float-adjusted market capitalisation weighted methodology. Details of the index methodology and further information in relation to the Hang Seng Index are available at As for other important news of the Hang Seng Index, Hang Seng Indexes Company Limited will also make announcements through press releases and at Please also refer to Appendix II of the Principal Brochure of Fidelity Retirement Master Trust for further information on the Hang Seng Index including the disclaimer of the index provider. Fidelity SaveEasy Funds are not savings deposits and involve investment risks. This product may not be suitable for everyone. Investor should also consider factors other than age and review their own investment objectives. Funds with exposure to RMB denominated debt securities issued or distributed outside mainland China, will subject to RMB currency risk, RMB exchange risk and risk of limited pool of investments. Fees and charges of MPF conservative funds can be deducted from either (i) the assets of the fund or (ii) members account by way of unit deduction. The MPF Conservative Fund under the Fidelity Retirement Master Trust uses method (i) and, therefore, its unit prices / NAV / fund performance have incorporated the impact of fees and charges. The purchase of a Unit in the MPF Conservative Fund is not the same as placing funds on deposit with a bank or deposit-taking company. Risk/Return Rating is defined using a 5-point risk/return scale as 1 = Lowest risk/return, 2 = Low risk/return, 3 = Medium risk/return, 4 = High risk/return, 5 = Highest risk/return. The risk/return profile for each Constituent Fund is created by FIL Investment Management (Hong Kong) Limited ( Fidelity ) after consideration of the Risk Factors described in the Principal Brochure of Fidelity Retirement Master Trust, prevailing market, political, structural, economic and other conditions, and the anticipated asset allocation of each Constituent Fund. The risk/return ratings are provided by Fidelity to investor for reference only and may be subject to change according to regular review (at least once a year) by Fidelity depending on the market conditions. Investor should always consider their individual risk and return profile. For the current risk/return rating of each Constituent Fund, please refer to the Fund prices & performance section on Fidelity Website. The On-going Costs Illustrations (for all Constituent Funds of the Master Trust except for the MPF Conservative Fund) that illustrate the on-going costs on contributions to Constituent Funds of the Master Trust and the Illustrative Example (for the MPF Conservative Fund) are distributed with the Principal Brochure. Before making any investment decisions concerning MPF investments, you should ensure that you have the latest version of these documents which can be obtained from the Trustee or the Investment Manager at their addresses stated in the Principal Brochure. Past performance is not indicative of future performance If investment returns are not denominated in HKD or USD, US/HK dollar-based investors will be exposed to exchange rate fluctuations. The Fund s past holdings are not indicative of existing and future holdings. Reference in this material to specific securities is included for illustration only and should not be construed as a recommendation to buy or sell the same. Performance of the security is not a representation of the Fund s performance. The third party mark appearing in this material is the property of the respective owner and not by Fidelity. 15 Mar 2018