Service Highlights. Log on to netbenefits.fidelity.com or call to make the most of your plan.
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1 4 3 The following provides a summary of Fidelity Stock Plan Services' plan-related information. Please refer to your Plan Highlights for plan-specific details. It is important that you review this entire document, no matter if you are currently enrolled or are considering enrolling in the ESPP. If you are currently enrolled in the ESPP, there will be some changes to the plan as a result of the transition to Fidelity Stock Plan Services. If you are considering enrolling in the ESPP, there is important information you need know about the plan and how to manage your participation at Fidelity Stock Plan Services. ESPP Changes for Current Enrollees Effective January 1, 2011, there will only be a single contribution rate that will be applied against your base pay and the first $10,000 of earned commission per month. If you were deferring against your base pay only, then your same rate will transfer to Fidelity Stock Plan Services. If you were deferring against base pay and commission, only your base pay rate will transfer to Fidelity Stock Plan Services. If you were deferring against commission only, your rate will transfer as zero percent. If you are commission eligible, it is important you consider the change to a single deferral rate and either change your base rate with Wells Fargo prior to 12/14/2010 to impact the pay periods beginning 12/31/2010. Or, you can make your contribution election at Fidelity Stock Plan Services after the blackout period ends. ESPP Information for New Enrollees An ESPP is a stock plan offering that allows employees to purchase Company stock through payroll deductions with after-tax dollars. If you are 18 years of age and have completed 90 days of Log on to netbenefits.fidelity.com or call to make the most of your plan.
2 5 4 service, you may make after-tax contributions between 3% and 15% of your base salary, or base salary and the first $10,000 of commissions per month. Your contributions are processed automatically through payroll deductions, and you may change the amount or withdraw from the plan at any time. After one year of participation, you will be rewarded by receiving a matching quarterly contribution that will purchase additional shares of Company stock, which will be credited to your Fidelity Account. Enrolling in the FNF ESPP As you enroll, you choose an amount to be automatically deducted from each paycheck to buy company shares. Enrolling in the ESPP is easy. As noted in the document found in the ESPP Enrollment Instructions link (found in the that contained this document), you will need to establish a personal identification number (PIN) and activate your Fidelity Account. After establishing your PIN, log on to netbenefits.fidelity.com and log in using your Customer ID and PIN. Click Enroll to the right of your plan name and complete the steps that follow. If you already have an individual Fidelity Account, it will be used to manage your participation the FNF ESPP and you will not need to open a new one. However, you will still need to complete the enrollment process. Employer Matching Contribution Your employer matching contribution is based on contributions you made during the corresponding quarter of the prior year. To receive this matching contribution, you must be an employee the following year when the match is being made. If you are currently enrolled in the FNF ESPP, the Employer Matching Contribution is not changing as a result of the transition to Fidelity Stock Plan Services. Officers and Employees with 10 Years of Service Officers and employees with 10 years of service receive a match equal to 50% of the dollars contributed based upon an average purchase price for the quarter (Assistant Vice Presidents and above are considered Officers of the Company). If you attain 10 years of service or Officer status in a given quarter, all contributions made during that quarter will receive the 50% match during the corresponding quarter of the following year. Log on to netbenefits.fidelity.com or call to make the most of your plan.
3 10 5 Other Participants All other participants receive a match equal to 33% of the dollars contributed. For example: For the first quarter of 2010 the employee contribution is $300. Thus, following the first quarter of 2011, the Company match contribution will be $100 (33%). Fidelity Account One of the advantages of managing the FNF ESPP at Fidelity Stock Plan Services is that you are given a Fidelity Account, an individual brokerage account. Your Fidelity Account is your one stop for managing your ESPP participation, as well as your other investments. Through your Fidelity Account, you have access to additional investment products and services to help you meet your overall financial goals like saving for retirement, helping to pay for a child's education, or buying a new home. Within your Fidelity Account is a "central" money market account, or "core account." If you receive cash as the result of the sale of your FNF stock, it will be deposited into the core account. Once the cash is in the core account, you may choose to withdraw that cash, keep it in your Fidelity Account, or use it to invest in other holdings within your Fidelity Account. If you choose to withdraw the cash, there are several methods available to you. For more information, please see the Money Movement section below. It is important that you activate your Fidelity Account. If you don't you may be subject to additional IRS-mandated tax withholding. For step-by-step account activation instructions, please refer to the that contained this document. Money Movement If you receive cash as a result of the sale of your stock, and you would like to withdraw the proceeds, there are several methods available to you. We have provided information about one of the most commonly used methods, electronic funds transfer (EFT) below. You can find more information about all of the available withdrawal methods by logging on to netbenefits.fidelity.com and clicking on the link for your Fidelity Account. Next, select the Investment Products tab and click Cash Management. On the Cash Management screen, click Between your bank and Fidelity and complete the steps that follow.
4 11 6 To withdraw your cash proceeds via EFT, log in to netbenefits.fidelity.com and click the Select Action link next to your Fidelity Account. Click Withdraw Money and then Continue to Fidelity.com. There, you can choose to have your money transferred to your bank account or withdraw it by check. Select either option and click Next. Then, complete the questions that follow. It is important to note that if you choose to sign up for EFT, it will take 10 business days for the service to become active on your account. After that, any transfers will generally take 4 to 6 business days to complete. If you think that you will want to use the EFT feature in the future, Fidelity Stock Plan Services suggests that you sign up now so you can withdraw your funds when you need them. Communications and Education Another advantage of moving the FNF ESPP to Fidelity Stock Plan Services is the ongoing communications and education you will receive. These communications are designed to help you make the most of your plan and include it in your overall financial plan. Alerts You may receive messages from Fidelity Stock Plan Services related to the FNF ESPP. You are encouraged to review them and to take action as appropriate. The messages are meant to assist you with making plan-related decisions; however, you are responsible for understanding your plan provisions and managing your participation. Transfer of Assets One of the advantages of the move to Fidelity Stock Plan Services is that you now have the ability to consolidate all of your investments in one place. This includes other investments that you may hold at other financial institutions. Fidelity makes it easy to complete a transfer. For more information, please contact a Fidelity Stock Plan Services Representative. Cost Basis Cost basis is the dollar amount paid for shares of a security, such as shares of stock, including the amount of reinvested dividends and reinvested gains. When you sell shares acquired as the result of participating in the FNF ESPP, you may have gains or losses to report for tax purposes. Cost basis is used to determine the gain or loss you may have when you sell your shares. Log on to netbenefits.fidelity.com or call to make the most of your plan.
5 12 7 Tracking Cost Basis Starting with the shares purchased directly with Fidelity Stock Plan Services through your Fidelity Account, your cost basis will be determined and communicated to you when any FNF shares are sold. Your cost basis will be reported on your quarterly statement and on the 1099 Tax Reporting Statement that will be sent to you by Fidelity Stock Plan Services. You can also access your cost basis any time by logging on to netbenefits.fidelity.com and clicking the link for your Fidelity Account. Next, click the Cost Basis tab. You can view the average cost basis for all of your shares in the "Position" section, and the cost basis for each lot that you currently own in the "Position History" section. If you would like to find the cost basis for shares that you have already sold (through Fidelity Stock Plan Services), click the drop-down menu in the "Position History" section and select Closed Lots. It is important to note that you will not be able to view the cost basis for shares purchased at Wells Fargo unless you have provided it to Fidelity Stock Plan Services. Commissions and Fees One of the changes you will notice as a result of the move to Fidelity Stock Plan Services is that you will now incur commissions when you decide to sell the shares you have earned as a result of your participation in the ESPP. These commissions (outlined below) are some of the lowest in the industry. And when you decide to sell you shares, you can trade using the method that is right for you. netbenefits.fidelity.com: $7.95 Fidelity Automated Service Telephone (FAST ): $12.95 Representative Assisted: $32.95 All other transactions conducted in your Fidelity Account will be subject to the normal commissions and fees governing that account, as outlined in the Brokerage Commission Schedule contained within the Customer Agreement. The current Brokerage Commission Schedule matches the commissions listed above. However, commissions and fees for transactions not related to FNF ESPP shares are subject to change. Please refer to the Customer Agreement for further details. Regulatory Transaction Fees: Upon selling any stock in your Fidelity Account, including FNF shares, you will be charged a regulatory transaction fee equal to $ per dollar of the total principal
6 13 8 amount of the sale proceeds or a portion thereof. This regulatory transaction fee is paid to the SEC at the time of sale and is required for all equity trades. This regulatory transaction fee is subject to modification by the SEC. Dividends It is important to note that the default treatment of dividends will change as a result of the move to Fidelity Stock Plan Services. Any dividends you receive as a result of owning FNF stock (or shares of any other common stock) are deposited into your Fidelity Account as cash by default. You can change this option so that dividends are reinvested to purchase shares of FNF stock. If you would like to change your dividend payment option, please contact a Fidelity Stock Plan Services Representative. Taxes As with any investment, there are tax consequences and investment risks associated with any stock-related transaction. You should contact your financial or tax advisor regarding your particular tax consequences prior to initiating any transaction. Statements You will receive a monthly statement from Fidelity if activity occurs in your account. Should you have no activity during a month, you'll begin to receive quarterly statements. You will also receive confirmations for transactions that are made in your account. If you would prefer to receive information online, please sign up for e-delivery* at fidelity.com. Address Changes FNF has arranged to provide employee address change information to Fidelity Stock Plan Services. All address changes received by Fidelity Stock Plan Services from FNF will be applied to your plan. To change your address, please contact your Human Resources Department. If you leave FNF and wish to change your address, please call a Fidelity Stock Plan Services Representative at Log on to netbenefits.fidelity.com or call to make the most of your plan.
7 14 9 Beneficiary Information As part of the services provided by Fidelity Stock Plan Services in connection with the FNF ESPP, you have the option to designate a beneficiary for shares that have been purchased on your behalf and then deposited into your Fidelity Account. To complete a beneficiary for your Fidelity Account, you may complete the beneficiary designation online at fidelity.com. Log in using your Customer ID and PIN. Choose Customer Service at the top of the page. Select Update Your Profile at the top left-hand side of the page. Click on Beneficiaries. In the pop-up box that follows, select Personal and then click Go. Click on Update Beneficiaries. The screens that follow will contain step-by-step instructions to help you complete the beneficiary designation process. You will know that you have successfully completed your beneficiary designations when you reach the confirmation screen, which has a green checkmark. After successfully completing the beneficiary designation process, you will receive confirmation by postal mail within five business days. Plan Highlights You can view the FNF Plan Highlights online at netbenefits.fidelity.com. To view the Plan Highlights, log on and select the link for your plan, then select Plan Information & Documents under View in the table of contents on the left-hand side of the page. If you have any questions regarding your specific tax situation, please consult your tax advisor. *These documents are available on fidelity.com for customers. If you consent to suspend mailing, Fidelity will notify you by when your account statement or trade confirmation is available online. System availability and response times may be subject to market conditions. See your plan documents for details regarding the terms and conditions of your plan. Commissions and fees are subject to change. Fidelity National Financial, Inc., and Fidelity Investments are not affiliated. Wells Fargo and Fidelity Investments are not affiliated. Fidelity Brokerage Services LLC, Member NYSE, SIPC
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