ASSET MANAGEMENT COMPANY REGISTRAR AND TRANSFER AGENT

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3 SPONSOR FIL Investment Advisors Registered Office: Pembroke Hall, 42 Crow Lane, Pembroke, Hamilton, HM19, Bermda. TRUSTEE FIL Trstee Company Private Limited Registered Office: 56, 5th Floor, Maker Chambers VI, 220, Nariman Point, Mmbai ASSET MANAGEMENT COMPANY FIL Fnd Management Private Limited Registered Office: 56, 5th Floor, Maker Chambers VI, 220, Nariman Point, Mmbai REGISTRAR AND TRANSFER AGENT Compter Age Management Services Private Limited Registered Office: A&B, Lakshmi Bhawan, 609, Anna Salai, Chennai CUSTODIAN J P Morgan Chase Bank Registered Office: Mafatlal Centre, 9th Floor, Nariman Point, Mmbai AUDITORS TO THE FUND Price Waterhose Office: 252, Veer Savarkar Marg, Shivaji Park, Dadar (West), Mmbai

4 Scheme Information Docment Fidelity Wealth Bilder Fnd Table of Contents I. Highlights of the Scheme... 3 II. Introdction... 4 A. Risk Factors... 4 B. Reqirement of minimm investors in the Scheme... 4 C. Special Considerations... 5 D. Definitions... 6 E. De diligence by the asset management company... 9 F. Abbreviations... 9 G. Interpretation... 9 III. Information abot the Scheme A. Type of the Scheme B. Investment objective of the Scheme C. Asset allocation pattern D. Where will the Scheme invest E. Investment Strategy F. Fndamental attribtes G. Benchmark H. Fnd Manager I. Investment Restrictions J. Scheme performance K. Scrip Lending by the Fnd L. Investment in the Scheme by the AMC, Sponsor or their Affiliates IV. Units and Offer A. New Fnd Offer (NFO) B. Ongoing Offer Details C. Periodic Disclosres D. Comptation of NAV V. Fees and Expenses A. Expenses dring the NFO B. Annal Scheme Recrring Expenses C. Load Strctre D. Waiver of Load for direct applications VI. Rights of Unit holders VII. Penalties, pending litigation or proceedings, findings of inspections or investigations for which action may have been taken or is in the process of being taken by any reglatory athority Page 2

5 I. Highlights of the Scheme Investment Objective Plan A: To seek to generate reasonable retrns by investing predominantly in the Debt Scheme(s) and arond 15% of the net assets of the Plan in the Eqity Scheme(s). Plan B: To seek to generate reasonable retrns by investing predominantly in the Debt Scheme(s) and arond 30% of the net assets of the Plan in the Eqity Scheme(s). Plan C: To seek to generate reasonable retrns by investing at least 50 % of the net assets of the Plan in the Debt Scheme(s) balanced with generation of long term capital growth by investing arond 50 % of the net assets of the Plan in the Eqity Scheme(s). Liqidity Benchmark Transparency/ NAV Disclosre Loads Each Plan will offer Units for Prchase and Redemptions at Applicable NAV on every Bsiness Day on an ongoing basis, commencing not later than 30 days from the closre of the NFO Period. The Mtal Fnd will endeavor to despatch the Redemption proceeds within 3 Bsiness Days from the acceptance of the Redemption reqest. Plan A: 85 % - CRISIL Composite Bond Fnd Index and 15% - BSE 200 Index Plan B: 70 % - CRISIL Composite Bond Fnd Index and 30% - BSE 200 Index Plan C: 50% - CRISIL Composite Bond Fnd Index and 50% - BSE 200 Index The AMC will calclate and disclose the first NAVs of each Plan within a period of 30 days from the closre of the NFO Period. Sbseqently, the NAVs will be calclated and disclosed on every Bsiness Day. The AMC shall pdate the NAVs on the website of the Fnd ( and of the Association of Mtal Fnds in India - AMFI ( every Bsiness Day. The AMC will disclose details of the portfolio of the Plans, in the prescribed format, either by pblishing it in the newspapers or by sending to the Unit Holders, within one month from the end of each half year and the same shall also be displayed on the website of the Fnd. Dring the NFO Period and Ongoing Offer Period the following load strctre shall be applicable to all the Plans. Entry Load: NIL As and when an Entry Load is introdced, in accordance with the reqirements of the circlar dated December 31, 2007 issed by SEBI, no Entry Load will be charged for direct applications received by the AMC i.e. applications inclding those for fresh prchases or additional prchases or switch-ins in existing folios sbmitted at the designated collection centres or throgh website viz. and which are not roted throgh any distribtor/agent/broker. Investors shold ensre that the field for the distribtor/agent/broker code in the application form/transaction slip shold not be left blank; if the field is left blank; the application will be treated as a direct application. In case of investors who intend to make direct applications bt se an application form/a transaction slip wherein the distribtor/agent/broker code is pre-printed, the investor shold ensre to strike ot the distribtor/agent/broker code and/or replace the existing distribtor/ agent/broker code with the term DIRECT and to contersign these changes so that the application is treated as a direct application. A switch-in or transfer nder STP may also attract the applicable Entry Load, if any, like any Prchase. Exit Load: For Redemption Load (% of Applicable NAV) Within 12 months from the date of allotment 1.00% or prchase applying First in First Ot basis A switch-ot or a withdrawal nder SWP or transfer nder STP may also attract an Exit Load like any Redemption. No Entry/Exit Loads/CDSC will be chargeable in case of: (i) switches made between different options of the same Plan or between different Plans within the Scheme; (ii) Units allotted on accont of dividend re-investments; and (iii) Units issed by way of bons, if any. Minimm Application Minimm Initial Application Amont Rs. 5,000 per Plan per application Amont Minimm Additional Application Amont Minimm Amont/No. of Units for Redemption Minimm balance Amont/No. of Units Rs. 1,000 per Plan per application Rs. 1,000 or 100 Units in respect of each Plan Rs. 1,000 or 100 Units in respect of each Plan 3Highlights of the Scheme

6 Scheme Information Docment Fidelity Wealth Bilder Fnd Introdction 4 II. Introdction A. Risk Factors 1. Standard Risk Factors Investment in Mtal Fnd Units involves investment risks sch as trading volmes, settlement risk, liqidity risk, defalt risk inclding the possible loss of principal. As the price/vale/interest rates of the secrities in which the Scheme invests flctates, the vale of yor investment in the Scheme may go p or down. Past performance of the Sponsor/AMC/Mtal Fnd does not garantee ftre performance of the Scheme. The name of the Scheme does not in any manner indicate either the qality of the Scheme or its ftre prospects and retrns. The Sponsor is not responsible or liable for any loss reslting from the operation of the Scheme beyond the initial contribtion of Rs. 1,00,000 (Rpees One Lakh) made by it towards setting p the Fnd. The Scheme is not a garanteed or assred retrn Scheme. 2. Scheme Specific Risk Factors: Investing in the Plan involves certain risks and considerations associated generally with making investments in the Underlying Schemes and the AMC s investment decisions to choose the Underlying Schemes may not be always profitable. There can be no assrance that the Underlying Schemes will achieve their objectives. The vale of the Plan s investments may be affected by factors affecting the performance of the Underlying Schemes, which is linked to factors impacting the capital markets sch as, bt not limited to, price and volme, volatility in the fixed income markets, interest rates, crrency exchange rates, foreign investment, changes in government policy, taxation, political, economic or other developments. Conseqently, the Net Asset Vales of the Underlying Schemes may flctate, and the vale of the Plan s Units may go p or down. Past performance of mtal fnds managing the Underlying Schemes and their sponsors and affiliates is not necessarily indicative of ftre performance of the Underlying Scheme or the options therender. The Plans performance will be affected by the performance Underlying Schemes in which the investments are made. The movements in the NAVs of the Underlying Schemes will affect the NAVs of the respective options nder the Plan. Any change in the investment policies or fndamental attribtes of the respective Underlying Schemes may affect the NAVs of the respective options nder the Plan. Investments in the Underlying Schemes will carry all the risks associated with sch schemes. The liqidity of each Plan s investments wold be inherently restricted by the liqidity of the Underlying Scheme(s) in which it has invested. Trading volmes, settlement periods and transfer/transaction procedres may restrict the liqidity of these investments. The inability of the Underlying Schemes to make intended secrities prchases de to settlement problems cold case an Underlying Scheme to miss certain investment opportnities. Althogh, the Plans per se will make investments in their respective Underlying Scheme, sch Underlying Schemes may se derivatives instrments like stock index ftres, interest rate swaps, forward rate agreements or other derivative instrments. Usage of derivatives will expose the Underlying Schemes and in trn, the Plans, to risks inherent to sch derivatives. As the Plans will be investing in the Underlying Schemes which in trn cold be investing in foreign secrities which involve a degree of risk, investors shold not invest in the Plans nless they can afford to take the risk of losing their investment. Investors will be bearing the expenses of a Plan in addition to the expenses of the relevant Underlying Scheme in which the Plan will make investments. As the investors will incr expenditre at both the Plan level and the Underlying Schemes level in to which the Plan invests, the retrns that they may obtain may be materially impacted or may at times be lower than the retrns that investors directly investing in sch Underlying Schemes obtain. If the AMC were to charge an Entry/Exit Load and the Underlying Schemes do not waive/exempt the Entry/Exit Load charged on investments/redemptions, investors will incr loads on two occasions. First, on their investment/ redemptions/switches in the options nder the relevant Plan and second, on the Plan s investment/redemption/switches in the options nder the Underlying Schemes. As the Plan may shift the weightage of investments between Underlying Schemes, the expenses charged being dependent on the strctre of the Underlying Schemes (being different) may lead to non-niform charging of expenses over a period of time. As the Plan s fact sheets and disclosres of portfolio will be limited to providing the particlars of the Underlying Schemes, investors may not be able to obtain specific details of the investments of the Underlying Schemes. The scheme specific risk factors of each of the Underlying Schemes become applicable where the Plan invests in any Underlying Scheme. As the Plans wold be investing a small portion of their assets into money market instrments it wold involve a moderate credit risk i.e. risk of an isser s liability to meet the principal payments. Money market instrments are also sbject to price volatility de to factors sch as changes in interest rates (when interest rates in the market rise, the vale of a portfolio of money market instrments can be expected to decline), general levels of market liqidity, market perception of credit worthiness of the isser of sch instrments and risks associated with settlement of transactions and reinvestment of intermediate cash flows. The NAV of a Plan s Units, to the extent that sch Plan is invested in money market instrments, will conseqently be affected by the aforesaid factors. The assets of each Plan shall be predominantly invested in the nits of the Underlying Schemes. However, de to market conditions the AMC may, for short term prposes and with a view to protect the interest of Unit Holders, deviate from the asset allocation range set ot in this docment sbject to limitations prescribed in the SEBI from time to time. Unit Holders will not be given any prior intimation or indication when the composition/asset allocation pattern nder a Plan changes within the broad range set ot in this docment. B. Reqirement of minimm investors in the Scheme Open-ended Scheme: As per SEBI circlar no. SEBI/IMD/CIR No. 10/22701/03 dated December 12, 2003, each Plan shold have a minimm of 20 Unit Holders and no single Unit Holder shold accont for more than 25% of the corps of the Plan. In case of non-flfillment with either of the aforesaid conditions in a three month time period or the end of the scceeding

7 calendar qarter, whichever is earlier, from the close of the NFO of the Plan, the Plan shall be wond p by following the gidelines prescribed by SEBI. The aforesaid conditions shold also be met in each sbseqent calendar qarter thereafter on an average basis. In case of non-flfillment with the first condition i.e. minimm of 20 investors in the Plan, on an ongoing basis for each calendar qarter as specified by SEBI, the Plan shall be wond p by following the gidelines prescribed by SEBI. SEBI has frther prescribed that if any investor breaches the 25% limit over a qarter, a rebalancing period of one month will be allowed to the investor and thereafter the investor who is in breach of the limit shall be given 15 days notice to redeem his exposre over the 25% limit. In the event of failre on part of the said investor to redeem the excess exposre, the excess holding will be atomatically redeemed by the Fnd following the gidelines prescribed by SEBI. C. Special Considerations The Sponsor is not responsible or liable for any loss reslting from the operation of the Schemes beyond the initial contribtion of an amont of Rs.1,00,000 (Rpees One Lakh) collectively made by them towards setting p the Fnd or sch other accretions and additions to the initial corps set p by the Sponsor. of Units held by sch fnds may have an adverse impact on the vale of the Units of that Plan becase of the timing of any sch Redemption and may affect the ability of other Unit Holders to redeem their respective Units. As the liqidity of a Plan s investments may sometimes be restricted by trading volmes, settlement periods and transfer procedres, the time taken by the Fnd for Redemption of Units may be significant in the event of an inordinately large nmber of Redemption reqests or of restrctring of the Plan s portfolio. In view of this, the Trstee has the right, in its sole discretion, to limit redemptions nder certain circmstances as described in the paragraphs Sspension of the Prchase and Redemption of Units and Right to Limit Redemptions in the Statement of Additional Information. Anti Money Landering and Know Yor Cstomer (KYC): Fidelity is committed to complying with all applicable anti money landering and KYC laws and reglations in all of its operations. Fidelity recognises the vale and importance of creating a bsiness environment that strongly discorages money landerers from sing Fidelity as a vehicle for their activities. To that end, certain policies have been adopted by the AMC. The need for KYC is vital for the prevention of money landering. In terms of the Prevention of Money Landering Act, 2002 ( PMLA ) the rles issed there nder and the gidelines/ circlars issed by SEBI regarding the Anti Money Landering (AML) Laws, all intermediaries, inclding mtal fnds, are reqired to formlate and implement a client identification procedre, and to verify and maintain the record of identity and address(es) of investors. The AMC has entrsted the responsibility of collection of docments relating to identity and address and record keeping to an independent agency (presently CDSL Ventres Limited) that will act as central record keeping agency ( Central Agency ). As a token of having verified the identity and address and for efficient retrieval of records, the Central Agency will isse a KYC compliance letter to each investor who sbmits an application and the prescribed docments to the Central Agency. KYC formalities nder the PMLA and the related gidelines issed by SEBI mst be completed by all investors intending to invest Rs. 50, 000 or more in nits of mtal fnds. This one-time verification is valid for transactions across all mtal fnds. The process to complete KYC formalities is as follows: Introdction Neither this Scheme Information Docment nor the Units have been registered in any other jrisdiction. The distribtion of this Scheme Information Docment in certain jrisdictions may be restricted or totally prohibited and accordingly, persons who come into possession of this Scheme Information Docment are reqired to inform themselves abot, and to observe, any sch restrictions. Prospective investors shold review/stdy this Scheme Information Docment careflly and in its entirety and shall not constre the contents hereof or regard the smmaries contained herein as advice relating to legal, taxation or financial/investment matters and are advised to conslt their own professional advisor(s) as to the legal, tax, financial or any other reqirements or restrictions relating to the sbscription, gifting, acqisition, holding, disposal (by way of sale, switch or Redemption or conversion into money) of Units and to the treatment of income (if any), capitalisation, capital gains, any distribtion and other tax conseqences relevant to their sbscription, acqisition, holding, capitalisation, disposal (by way of sale, transfer, switch or conversion into money) of Units within their jrisdiction of nationality, residence, incorporation, domicile etc. or nder the laws of any jrisdiction to which they or any managed fnds to be sed to Prchase/gift Units are sbject, and also to determine possible legal, tax, financial or other conseqences of sbscribing/gifting, prchasing or holding Units before making an application for Units. Fidelity Mtal Fnd/the AMC has not athorised any person to give any information or make any representations, either oral or written, not stated in this Scheme Information Docment in connection with isse of Units nder the Plans of the Scheme. Prospective investors are advised not to rely pon any information or representations not incorporated in this Scheme Information Docment as the same have not been athorised by the Fnd or the AMC. Any sbscription, Prchase or sale made by any person on the basis of statements or representations which are not contained in this Scheme Information Docment or which are inconsistent with the information contained herein shall be solely at the risk of the investor. Sbject to the Reglations, from time to time, fnds managed by the affiliates/associates of the Sponsor may invest either directly or indirectly in the Scheme. The fnds managed by these affiliates/associates may acqire a sbstantial portion of any Plan s Units and collectively constitte a major investment in sch Plan. Accordingly, Redemption A completed KYC application form along with the docments/information as mentioned below shold be sbmitted to any designated Points of Service ( PoS ) - Fidelity Investor Service Centres, CAMS Investor Service Centres or CVL Centres (CDSL Ventres Ltd.). The PoS list is available at A KYC application form can be obtained from any designated PoS. The completed KYC application form along with PAN card copy and other necessary docments shold be sbmitted at a PoS. (The list of all docments/ information reqired and instrctions to fill the form can be fond in the KYC application form). After verification of the KYC application form and accompanying docments, investors will receive a letter certifying their KYC compliance. There is no charge for this verification. When investing with the Fnd, a copy of the KYC compliance letter shold be attached to the Plan s application form to avoid rejection. If an investor has a Mtal Fnd Identification Nmber ( MIN ) (not valid anymore) and has not provided a 5

8 Scheme Information Docment Fidelity Wealth Bilder Fnd Introdction certified* copy of the PAN card at the time of obtaining MIN, he is reqired to complete the formalities as mentioned nder the paragraph Permanent Accont Nmber to be KYC-compliant. All investors intending to invest Rs.50,000 or more in nits of mtal fnds are reqired to sbmit a copy of the KYC compliance letter for the transactions in nits of a Plan. Applications sbmitted withot a copy of the KYC compliance letter cold be rejected. Permanent Accont Nmber ( PAN ): PAN issed by the Income Tax athorities is sed as the sole identification nmber for all investors [except for Central Government, State Government and the officials appointed by the Corts e.g. Official Liqidator, Cort Receiver, etc. (nder the category of Government)] transacting in the secrities market inclding mtal fnds, irrespective of the amont of transaction. Ths, all investors (inclding resident and non-resident investors) have to provide PAN, along with a certified* copy of the PAN card for all transactions in the Units of a Plan irrespective of the amont of transaction. In case of investors who do not provide a certified* copy of the PAN card, the application for transaction in nits of the schemes of the Fnd cold be rejected at the Mtal Fnd s sole and absolte discretion. *Investors are reqested to sbmit a copy along with the original for verification at the investor service centres of the Fnd/CAMS, which will be retrned across the conter. Alternatively, a distribtor empanelled with the Fnd can attest a copy. A Bank Manager s attestation or a Notarised copy will also be accepted. Sspicios Transaction Reporting: If after de diligence, the AMC believes that the transaction is sspicios in natre as regards money landering, the AMC shall report any sspicios transactions to competent athorities nder the PMLA and rles/gidelines issed therender by SEBI and/or RBI, frnish any sch information in connection therewith to sch athorities and take any other actions as may be reqired for the prposes of flfilling its obligations nder the PMLA withot obtaining the prior approval of the investor/unit Holder/a person making the payment on behalf of the investor. Investor Protection: Excessive trading into and ot of a Plan may affect its performance by disrpting portfolio management strategies and by increasing expenses. The Fnd and the distribtors may refse to accept applications for Prchase, especially where transactions are deemed disrptive, particlarly from market timers or investors who, in their opinion, have a pattern of short term or excessive trading or whose trading has been or may be disrptive for the Plan. If in the opinion of the AMC, a Unit Holder is indlging in short term or excessive trading as above, it shall, nder powers delegated by the Trstee, have absolte discretion to reject any application, prevent frther transaction by the Unit Holder or redeem the Units held by the Unit Holder at any time prior to the expiry of 30 Bsiness Days from the date of the application. Investors are rged to stdy the terms of the Scheme Information Docment careflly before investing in any Plan of the Scheme and to retain this Scheme Information Docment for ftre reference. D. Definitions In this Scheme Information Docment the following terms will have the meanings indicated there against, nless the context sggests otherwise. Applicable NAV For applications for Prchases (along with a local cheqe or demand draft payable at par at the place where the application is received)/redemptions, accepted dring the Ongoing Offer Period at the Designated Collection Centres of the Fnd on a Bsiness Day p to the Ct-off time of the Scheme, the NAV of that day; and For applications for Prchases (along with a local cheqe or demand draft payable at par at the place where the application is received)/redemptions accepted dring the Ongoing Offer Period at the Designated Collection Centres of the Fnd on a Bsiness Day after the Ct-off time of the Scheme, the NAV of the next Bsiness Day; and For applications for Prchases along with demand drafts not payable at par at the place where the application is received, NAV of the day on which the demand draft is credited. 6 Application Form/Key Information Memorandm Asset Management Company/AMC/ Investment Manager Bsiness Day Contingent Deferred Sales Charge/CDSC A form meant to be sed by an investor to open a folio and Prchase Units in a Plan. Any modifications to the Application Form will be made by way of an addendm, which will be attached thereto. On issance of sch addendm, the Application Form will be deemed to be pdated by the addendm. FIL Fnd Management Private Limited, the asset management company, set p nder the Companies Act 1956, having its registered office at 56, 5th Floor, Maker Chambers VI, 220, Nariman Point, Mmbai and athorised by SEBI to act as Asset Management Company/Investment Manager to the schemes of Fidelity Mtal Fnd. A day not being: (1) A Satrday or Snday; (2) A day on which the banks in Mmbai inclding the Reserve Bank of India are closed for bsiness or clearing; (3) A day on which Prchase and Redemption of Units is sspended or a book closre period is annonced by the Trstee/AMC; or (4) A day on which normal bsiness cannot be transacted de to storms, floods, bandhs, strikes or sch other events as the AMC may specify from time to time. The AMC reserves the right to change the definition of Bsiness Day. The AMC reserves the right to declare any day as a Bsiness Day or otherwise at any or all ISCs. A charge to the Unit Holder pon exiting (by way of Redemption) based on the period of holding of Units. The Reglations provide that a CDSC may be charged only for a no-load Scheme and only for the first for years after the Prchase and caps the percentage of NAV that can be charged in each year.

9 Cstodian Ct-off time Collection Bank(s) Debt Scheme(s) Designated Collection Centres Entry Load Eqity Scheme(s) Exit Load Foreign Instittional Investors/FII FIL Investment Advisors/FIA Fnd of Fnds/FOF Fnd/Mtal Fnd Investment Management Agreement/IMA Investor Service Centre/ISC Load Net Asset Vale/NAV New Fnd Offer/NFO New Fnd Offer Period/ NFO Period Non Resident Indian/NRI Ongoing Offer Ongoing Offer Period Person of Indian Origin Plan/Plans Prchase/Sbscription J P Morgan Chase Bank, Mmbai branch registered nder the SEBI (Cstodian of Secrities) Reglations, 1996, or any other cstodian who is approved by the Trstee. A time prescribed in this Scheme Information Docment p to which an investor can sbmit a Prchase reqest (along with a local cheqe or a demand draft payable at par at the place where the application is received)/redemption reqest, to be entitled to the Applicable NAV for that Bsiness Day. The bank(s) with which the AMC has entered into an agreement, from time to time, to enable cstomers to deposit their applications for Units. The names and addresses are mentioned at the end of this Scheme Information Docment. Underlying Scheme(s) which invests principally in fixed income secrities. Dring the NFO: ISCs and branches of Collection Bank(s) designated by the AMC where the applications shall be received. Dring Ongoing Offer: ISCs designated by the AMC where the applications shall be received. The names and addresses are mentioned at the end of this Scheme Information Docment. A Load charged to an investor on Prchase of Units based on the amont of investment per application or any other criteria decided by the AMC. Underlying Scheme(s) which invests principally in eqity and eqity related secrities. A Load (other than CDSC) charged to the Unit Holder on exiting (by way of Redemption) based on period of holding, amont of investment, or any other criteria decided by the AMC. An entity registered with SEBI nder Secrities and Exchange Board of India (Foreign Instittional Investors) Reglations, 1995 as amended from time to time. The Sponsor of Fidelity Mtal Fnd. A mtal fnd scheme that invests primarily in other schemes of the same mtal fnd or other mtal fnds. Fidelity Mtal Fnd, a Trst registered with SEBI nder the Reglations, vide Registration No. MF/050/05/01 dated Febrary 17, The agreement dated Agst 9, 2004, entered into between Fidelity Mtal Fnd and the AMC, as amended from time to time. Official points of acceptance of transaction/service reqests from investors. These will be designated by the AMC from time to time. A charge that may be levied to an investor at the time of Prchase of Units of a Plan of the Scheme or to a Unit Holder at the time of Redemption of Units from a Plan of the Scheme. Net Asset Vale of the Units of a Plan of the Scheme (inclding options there nder) calclated in the manner provided in this Scheme Information Docment or as may be prescribed by the Reglations from time to time. The offer for Prchase of Units of Plans at the inception of the Scheme, available to the investors dring the NFO period. The period being Janary 14, 2009 to Febrary 5, 2009 sbject to extension, if any. A person resident otside India who is a citizen of India or is a person of Indian origin as per the meaning assigned to the term nder Foreign Exchange Management (Investment in firm or proprietary concern in India) Reglations, 2000 as amended from time to time. Offer of Units of Plans nder the Scheme when it becomes open-ended after the closre of the New Fnd Offer Period. The period dring which the Ongoing Offer for sbscription to the Units of Plans of the Scheme is made. A citizen of any contry other than Bangladesh or Pakistan, if (a) he at any time held Indian passport; or (b) he or either of his parents or any of his grand parents was a citizen of India by virte of the Constittion of India or the Citizenship Act, 1955 (57 of 1955); or (c) the person is a spose of an Indian citizen or a person referred to in sb-clase (a) or (b); Plan A, Plan B and Plan C of the Scheme collectively referred to as the Plans and individally, as the context permits, as a Plan (inclding the options there nder). Sbscription to/prchase of Units of each Plan, by an investor from the Fnd. Introdction 7

10 Scheme Information Docment Fidelity Wealth Bilder Fnd Introdction Prchase Price Registrar Redemption Redemption Price Repo/Reverse Repo Scheme Scheme Information Docment SEBI Reglations/ Reglations Statement of Additional Information Sponsor Systematic Investment Plan/SIP Systematic Transfer Plan/STP Systematic Withdrawal Plan/SWP Transaction Slip Trstee/ Trstee Company Trst Deed Trst Fnd Underlying Scheme(s) Unit Unit Holder Valation Day Words and Expressions sed in this Scheme Information Docment and not defined The price (being Applicable NAV pls Entry Load) at which the Units can be prchased and calclated in the manner provided in this Scheme Information Docment. Compter Age Management Services Private Limited ( CAMS ), appointed as the registrar and transfer agent for the Scheme, or any other registrar that may be appointed by the AMC. Reprchase of Units by the Fnd from a Unit Holder. The price (being Applicable NAV mins Exit Load/CDSC) at which the Units can be redeemed and calclated in the manner provided in this Scheme Information Docment. Sale/Prchase of secrities with a simltaneos agreement to reprchase/sell them at a later date. Fidelity Wealth Bilder Fnd (inclding as the context permits, the Plans and/or options therender). This docment issed by Fidelity Mtal Fnd, offering Units of Plans of Fidelity Wealth Bilder Fnd for sbscription. Any modifications to the Scheme Information Docment will be made by way of an addendm which will be attached to the Scheme Information Docment. On issance of an addendm, the Scheme Information Docment will be deemed to be pdated by the addendm. Secrities and Exchange Board of India (Mtal Fnds) Reglations, 1996 as amended from time to time, inclding by way of circlars or notifications issed by SEBI and the Government of India. The docment issed by Fidelity Mtal Fnd containing details of Fidelity Mtal Fnd, its constittion and certain tax, legal and general information. SAI is legally a part of the Scheme Information Docment. FIL Investment Advisors, being the Settlor of Fidelity Mtal Fnd. A plan enabling investors to save and invest in the Scheme on a monthly/qarterly basis by sbmitting post-dated cheqes/payment instrctions. A plan enabling Unit Holders to transfer sms on a weekly/fortnightly/monthly/qarterly basis from the Scheme to other schemes lanched by the Fnd from time to time by giving a single instrction. A plan enabling Unit Holders to withdraw amonts from the Scheme on a monthly/qarterly/half yearly/yearly basis by giving a single instrction. A form meant to be sed by Unit Holders seeking additional Prchase or Redemption of Units in/ from any of the Plans in the Scheme, change in bank accont details, switch-in or switch-ot and sch other facilities offered by the AMC and mentioned in Transaction Slips. FIL Trstee Company Private Limited, a company set p nder the Companies Act, 1956, to act as the Trstee to Fidelity Mtal Fnd. The Trst Deed dated Agst 9, 2004 made by and between the Sponsor and the Trstee, establishing Fidelity Mtal Fnd, as amended from time to time. Amonts settled/contribted by the Sponsor towards the corps of Fidelity Mtal Fnd and additions/ accretions thereto. Any existing scheme or scheme(s) that may be lanched by the Fnd or any company or trst or entity within Fidelity International and/or Fidelity Investments grop. The interest of an investor, which consists of one ndivided share in the net assets of the Scheme. A person holding Units of any of the Plans of the Scheme of Fidelity Mtal Fnd offered nder this Scheme Information Docment. Bsiness Day Same meaning as in the Trst Deed. 8

11 E. De diligence by the asset management company It is confirmed that: i. the draft Scheme Information Docment forwarded to SEBI is in accordance with the SEBI (Mtal Fnds) Reglations, 1996 and the gidelines and directives issed by SEBI from time to time. ii. all legal reqirements connected with the lanching of the Scheme as also the gidelines, instrctions, etc., issed by the Government and any other competent athority in this behalf, have been dly complied with. iii. the disclosres made in the Scheme Information Docment are tre, fair and adeqate to enable the investors to make a well informed decision regarding investment in the proposed Scheme. iv. the intermediaries named in the Scheme Information Docment and Statement of Additional Information are registered with SEBI and their registrations are valid, as on date. F. Abbreviations In this Scheme Information Docment the following abbreviations have been sed. ADR : American Depositary Receipt AMC : Asset Management Company AMFI : Association of Mtal Fnds in India AOP : Association of Persons BOI : Body of Individals BSE : Bombay Stock Exchange Limited CBLO : Collateralised Borrowing and Lending Obligation CDSC : Contingent Deferred Sales Charge ECS : Electronic Clearing System EFT : Electronic Fnds Transfer ELSS : Eqity Linked Savings Scheme FCF : Fidelity Cash Fnd FEF : Fidelity Eqity Fnd FII : Foreign Instittional Investor FIA : FIL Investment Advisors, the Sponsor of Fidelity Mtal Fnd FISSF : Fidelity India Special Sitations Fnd FOF : Fnd of Fnds FSTIF : Fidelity Short Term Income Fnd FTAF : Fidelity Tax Advantage Fnd GDR : Global Depositary Receipt HUF : Hind Undivided Family IMA : Investment Management Agreement ISC : Investor Service Centre NAV : Net Asset Vale NRI : Non-Resident Indian NSE : National Stock Exchange of India Limited PIO : Persons of Indian Origin PoA : Power of Attorney RBI : Reserve Bank of India RTGS : Real Time Gross Settlement SEBI : Secrities and Exchange Board of India established nder the SEBI Act, 1992 SEBI Act : Secrities and Exchange Board of India Act, 1992 SEFT : Special Electronic Fnds Transfer SI : Standing Instrctions SIP : Systematic Investment Plan STP : Systematic Transfer Plan SWP : Systematic Withdrawal Plan G. Interpretation For all prposes of this Scheme Information Docment, except as otherwise expressly provided or nless the context otherwise reqires: The terms defined in this Scheme Information Docment inclde the plral as well as the singlar. Pronons having a mascline or feminine gender shall be deemed to inclde the other. All references to US$ refer to United States Dollars and Rs. refer to Indian Rpees. A Crore means ten million and a Lakh means a hndred thosand. References to times of day (i.e. a.m. or p.m.) are to Mmbai (India) times and references to a day are to a calendar day inclding non Bsiness Day. Introdction 9

12 Information abot the Scheme Scheme Information Docment Fidelity Wealth Bilder Fnd III. INFORMATION ABOUT THE SCHEME A. Type of the Scheme The Scheme is an open-ended fnd of fnds scheme. B. Investment objective of the Scheme The investment objectives of each Plan nder the Scheme are as follows: Plan A: To seek to generate reasonable retrns by investing predominantly in the Debt Scheme(s) and arond 15% of the net assets of the Plan in the Eqity Scheme(s). Plan B: To seek to generate reasonable retrns by investing predominantly in the Debt Scheme(s) and arond 30% of the net assets of the Plan in the Eqity Scheme(s). Plan C: To seek to generate reasonable retrns by investing at least 50 % of the net assets of the Plan in the Debt Scheme(s) balanced with generation of long term capital growth by investing arond 50 % of the net assets of the Plan in the Eqity Scheme(s). C. Asset allocation pattern Under normal circmstances, it is anticipated that the asset allocation for each Plan shall be as follows: Plan A Instrments Indicative Allocation Risk Profile (% of net assets) Maximm Minimm Debt Schemes 100% 70% Medim to Low Eqity Schemes 30% 0% Medim to High Money market 30% 0% Low to Medim instrments Plan B Instrments Indicative Allocation Risk Profile (% of net assets) Maximm Minimm Debt Schemes 85% 55% Medim to Low Eqity Schemes 45% 15% Medim to High Money market 30% 0 % Low to Medim instrments Plan C Instrments Indicative Allocation Risk Profile (% of net assets) Maximm Minimm Debt Schemes 70% 30% Medim to Low Eqity Schemes 70% 30% Medim to High Money market 40% 0% Low to Medim instrments The corps of the Plans shall be predominantly invested in the Underlying Schemes. However, de to market conditions, the AMC may invest beyond the range set ot above. Sch deviations shall normally be for a short term prpose only, for defensive considerations and the intention being at all times to protect the interests of the Unit Holders. In the event of deviations, rebalancing will normally be carried ot within 30 Bsiness Days. Money Market Instrments Investments by the Plans other than in Underlying Schemes will be made for managing liqidity. The preferred instrments will be money market instrments. Money market instrments inclde commercial papers, commercial bills, treasry bills, Government secrities having an nexpired matrity pto one year, call or notice money, certificate of deposit, sance bills and any other like instrments as specified by Reserve Bank of India from time to time. D. Where will the Scheme invest Each Plan nder the Scheme will invest in the Underlying Schemes which wold in trn invest in varios eqity/debt instrments in accordance with the terms of their respective offer docments or prospects or any docment that offers nits/ shares/secrities of any mtal fnd. It is proposed to invest predominantly in debt and eqity schemes of the Fnd. The portfolio of each Plan will be made p of nits issed by the respective Underlying Scheme. However, a Plan cold invest in money market instrments as well to manage liqidity. E. Investment Strategy Each Plan nder the Scheme will invest in the Underlying Schemes which wold in trn invest in varios eqity/debt instrments in accordance with the terms of their respective offer docments or prospects or any docment that offers nits / shares/secrities of any mtal fnd. The selection of the Underlying Schemes wold be made by the fnd manager considering varios factors; these cold inclde the risk adjsted retrns of the Underlying Schemes and its track record. The fnd manager cold also consider other criteria as he may think appropriate from time to time. It is proposed to invest predominantly in debt and eqity schemes of the Fnd. The portfolio of each Plan will be made p of nits issed by the respective Underlying Scheme. However, a Plan cold invest in money market instrments as well to manage liqidity. F. Fndamental attribtes The following are the fndamental attribtes of the Scheme, in terms of Reglation 18 (15A) of the Reglations: i. Type of the Scheme: An open-ended Fnd of Fnds scheme with three Plans. ii. Investment Objective of each Plan nder the Scheme: Main Objective: Growth and Income Investment pattern: The tentative Investment pattern with minimm and maximm asset allocation with an option to alter the asset allocation for a short term. iii. Terms of Isse: Liqidity provisions of the Scheme sch as listing, reprchase, redemption; and Aggregate fees and expenses charged to the Scheme. In accordance with Reglation 18(15A) of the Reglations, the Trstees shall ensre that no change in the fndamental attribtes of the Scheme or the trst or fee and expenses payable or any other change which wold modify the Scheme and affect the interests of Unitholders is carried ot nless: A written commnication abot the proposed change is sent to each Unit holder and an advertisement is given in one English daily newspaper having nationwide circlation 10

13 as well as in a newspaper pblished in the langage of the region where the Head Office of the Mtal Fnd is sitated; and The Unit holders are given an option for a period of 30 days to exit at the prevailing Net Asset Vale withot any exit load. G. Benchmark The benchmark details against which the performance of each Plan will be measred is as follows: Plan Plan A: Plan B: Benchmark 85% - CRISIL Composite Bond Fnd Index and 15% - BSE 200 Index 70% - CRISIL Composite Bond Fnd Index and 30% - BSE 200 Index Plan C: 50% - CRISIL Composite Bond Fnd Index and 50% - BSE 200 Index The cstomized benchmark will be sed to have meaningfl comparison with performance of the Plans, which wold generally be investing in debt and eqity schemes. H. Fnd Manager Name Age Qalification Total No. Assignments held dring last 10 years Period of years of From - To experience Sameer Klkarni 39 BE (Mech), 14 Franklin Templeton Asset Management (India) Pvt. Ltd. MMS, M.Sc, - Senior Vice President and Head of Fixed Income CFA (ICFAI), - Vice President and Portfolio Manager for Gilt Portfolio FRM IndsInd Bank - Vice President and Head of Domestic Treasry Dealer in fixed income prodcts Chescor - Analyst 1996 Mr. Klkarni also manages Fidelity MltiManager Cash Fnd, Fidelity Short Term Income Fnd, Fidelity Cash Fnd, Fidelity Liqid Pls Fnd, Fidelity Flexi Gilt Fnd and Fidelity Fixed Matrity Plan Series I. I. Investment Restrictions As per the Trst Deed read with the Reglations, the following investment restrictions apply in respect of the Scheme at the time of making investments. However, all investments by the Scheme will be made in accordance with the investment objective, investment strategy and investment pattern described previosly. 1) Pending deployment of fnds of the Scheme in terms of investment objectives of the Scheme, a mtal fnd may invest them in short term deposits of schedled commercial banks, sbject to sch gidelines as may be specified by SEBI. 2) The Scheme shall not invest in any other fnd of fnds scheme. 3) The Scheme shall not invest its assets other than in schemes of mtal fnds, except to the extent of fnds reqired for meeting the liqidity reqirements for the prpose of reprchases or redemptions, as disclosed in this docment. 4) No term loans for any prpose may be advanced by the Fnd and the Fnd shall not borrow except to meet temporary liqidity needs of each Plan of the Scheme for the prpose of reprchase, redemption of Units or payment of interest or dividends to Unit Holders, provided that the Fnd shall not borrow more than 20% of the net assets of a Plan and the dration of sch a borrowing shall not exceed a period of 6 months. 5) The Fnd shall, get the secrities prchased or transferred in the name of the Fnd on accont of a Plan, wherever investments are intended to be of long term natre. The Trstee may alter the above restrictions from time to time to the extent that changes in the Reglations may allow and as deemed fit in the general interest of the Unit Holders. J. Scheme performance This Scheme is a new scheme and does not have any performance track record. K. Scrip Lending by the Fnd The Plans nder the Scheme do not propose to engage in scrip lending. However, the Underlying Schemes may enter into scrip lending transactions in accordance with SEBI Reglations. L. Investment in the Scheme by the AMC, Sponsor or their Affiliates Sbject to the Reglations the AMC, the Sponsor, the Trstee and their associates or affiliates, may invest either directly or indirectly in the Scheme dring the NFO and/or Ongoing Offer Period. However, AMC shall not charge any investment management and advisory services fee on its own investment in the Scheme. Information abot the Scheme 11

14 Scheme Information Docment Fidelity Wealth Bilder Fnd Units and offer 12 IV. UNITS AND OFFER This section provides details yo need to know for investing in the Scheme. A. New Fnd Offer (NFO) 1. New Fnd Offer Period: This is the period dring which a new scheme sells its nits to the investors. NFO opens on: Janary 14, 2009 NFO closes on: Febrary 5, New Fnd Offer Price: This is the price per nit that the investors have to pay to invest dring the NFO. The Units can be prchased at Rs. 10 each for cash dring the NFO period. 3. Minimm Amont for Application in the NFO An initial application for prchase of Units nder the Plans of the Scheme mst be for a minimm amont of Rs. 5,000. Additional application for prchase of Units nder Plans of the Scheme mst be for a minimm amont of Rs.1, Minimm Target amont This is the minimm amont reqired to operate the Scheme and if this is not collected dring the NFO period, then all the investors wold be refnded the amont invested withot any retrn. However, if AMC fails to refnd the amont within 6 weeks, interest as specified by SEBI (crrently 15% p.a.) will be paid to the investors from the expiry of six weeks from the date of closre of the sbscription period. The Fnd seeks to collect a minimm sbscription amont of Rs. One Crore nder each Plan of the Scheme dring the NFO Period. In the event this amont is not raised dring the NFO Period, the amont collected nder the Scheme will be refnded to the applicants as mentioned in the paragraph Refnd. 5. Maximm Amont to be raised There is no pper limit on the total amont to be collected nder the Scheme dring the NFO Period. 6. Plans and Options Offered The Scheme offers three Plans Plan A, Plan B and Plan C. If at the time of investing, the investor does not clearly specify the choice of the Plan nder the Scheme in which the investor proposes to invest, then the application will be treated as application nder Plan A. Each of the Plans nder the Scheme offers two options - Growth Option and Dividend Option. The Dividend Option offers Dividend Payot and Dividend Re-investment facilities. Growth option: nder this option no dividend will be declared. Dividend option: nder this option, a dividend is proposed to be declared, sbject to availability of distribtable srpls, on a Qarterly basis nder Plan A and Plan B. Under Plan C, the dividend may be declared by the Trstee, at its discretion, from time to time sbject to the availability of distribtable srpls as calclated in accordance with the Reglations. If the investor does not clearly specify the choice of option at the time of investing, it will be treated as a Growth Option. If the investor does not clearly specify the choice of Payot or Reinvestment options within the Dividend option at the time of investing, it will be treated as a Reinvestment Option. 7. Dividend Policy The Trstee may decide to distribte by way of dividend, the srpls by way of realised profit, dividends and interest, net of losses, expenses and taxes, if any, to Unit Holders in the dividend option of a Plan if sch srpls is available and adeqate for distribtion in the opinion of the Trstee. The freqency of declaration of dividend nder the Plans will be as follows: Plan A and Plan B: Qarterly Plan C: At the discretion of the Trstees The record date(s) for declaration of dividend shall be fixed by the Trstees and annonced in advance. Within one day of the decision by the Trstees regarding dividend distribtion, rate and record date, AMC shall isse notice to the pblic commnicating the decision inclding the record date. The record date shall be 5 calendar days from the isse of notice. Sch notice shall be given in one English daily newspaper having nationwide circlation as well as in a newspaper pblished in the langage of the region where the head office of the mtal fnd is sitated. The NAV shall be adjsted to the extent of dividend distribtion and stattory levy, if any, at the close of bsiness hors on record date. The Trstee s decision with regard to availability and adeqacy and rate of distribtion shall be final. The dividend will be de to only those Unit Holders whose names appear in the register of Unit Holders in the Dividend option of the Plan on the record dates which will be fixed by the Trstees and annonced in advance. In respect of Unit Holders opting for dividend re-investment facility, the dividend will be reinvested at the ex-dividend NAV annonced immediately after the record date. No Entry/Exit load will be charged on accont of Units allotted by way of dividend reinvestments. In respect of Unit holders opting for the dividend payot facility, the AMC shall despatch, the dividend warrants within 30 days of the date of declaration of dividend. The dividend proceeds nder the Plan may be paid by way of direct credit/eft/seft/rtgs/wired Transfer /any other manner throgh which the investor s bank accont specified in the Registrar s records is credited with the dividend proceeds. 8. Allotment (i) Allotment Sbject to the receipt of the specified minimm sbscription amont, fll allotment of Units applied for will be made within 30 days from the date of closre of the NFO Period for all valid applications received dring the NFO Period. (ii) Accont Statements An accont statement will be sent by ordinary post/ corier/secred encrypted electronic mail to each Unit Holder, stating the nmber of Units prchased, not later than 30 days from the close of the NFO Period. 9. Refnd If the Scheme fails to collect the minimm sbscription amont of Rs. One Crore in each of its Plans, the Fnd shall be liable to refnd the sbscription money to the applicants. In addition to the above, the refnd of sbscription money to the applicants whose applications are treated as invalid or rejected for any other reason whatsoever, will commence immediately after the allotment process is completed. Refnds will be completed within 6 weeks of the closre of the NFO Period. If the Fnd refnds the amont after sch 6 week period, interest at 15% per annm shall be liable to be paid by the AMC. Refnd orders will be marked A/c Payee only and drawn in the name of the applicant (in the case of a sole applicant) and in the name of the first applicant in all other cases. All refnd cheqes will be mailed by registered post or as per the applicable Reglations.