Creating real-world retirement strategies for real people
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- Jeremy Shelton
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1 TRANSITION GUIDE Creating real-world retirement strategies for real people Define your own journey CORNELL UNIVERSITY RETIREMENT PLAN CORNELL UNIVERSITY TAX DEFERRED ANNUITY PLAN
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3 Get ready for the changes ahead September 2017 Dear Cornell University Plan Participant: Cornell University is committed to periodically reviewing the Retirement Plans to make sure they continue to help you meet your retirement and financial goals. Among the things considered are the range of investment options available through the Plans, investment option performance, and whether the Plans give you access to services that complement your account. We are pleased to announce changes to the Cornell University Retirement Plans investment lineups effective October 16, These changes are designed to simplify your investment choices for retirement savings, encourage better decision making, and help lower overall costs. These changes are the result of an extensive project undertaken by the Cornell University Retirement Plan Oversight Committee (RPOC), which is a group composed of faculty and staff appointed by the University to exercise fiduciary oversight of Cornell University s retirement plans. Additionally, the University engaged CAPTRUST Financial Advisors, an independent investment advisor with experience working with higher education institutions, to assist the Committee in a thorough review of our retirement plans. This review included an analysis of the current fund menu design, investment performance, and fees. The Committee concluded that these changes will help improve the participant experience while preserving participant choice through the existing self-directed brokerage window available in the plans. It is important to note that all funds no longer available in Tier 3 are available within Fidelity s BrokerageLink account for those faculty and staff that would like to continue investing in these funds. Please see page 6 of this Guide for more information. Please take a few minutes to review the information carefully and take advantage of the help-desk sessions, individual appointments and meetings to see how your retirement accounts may be affected by these changes. Fidelity Investment representatives will be on-site at Cornell University to help answer your questions about the plan changes. Please refer to pages 5 and 7 of this Guide for additional information. In many cases, no action will be necessary on your part, but we hope you take this opportunity to carefully review your retirement account options. If you have any questions about these changes, please call the Fidelity Retirement Service Center at Sincerely, Mary Opperman Vice President and Chief Human Resources Officer 3
4 Table of Contents TABLE OF CONTENTS PAGE Introduction 5 What Do I Need to Do? 6 Investment Options No Longer Available in Tier III 8 Target Date Funds Age Chart 21 Important Note If You Use Rebalance Notification 22 Fidelity Brokeragelink Commission Schedule 23 A special note for former employees, retired employees, alternate payees, and plan beneficiaries with account balances in the Plans: Some of the information enclosed may not apply to you. However, your account balance may be affected by the investment lineup change, so please read this material carefully. Whether your retirement is right around the corner or years away, continue to closely monitor your overall financial plan. If you have any questions regarding the information in this Guide or your retirement plan, please contact Fidelity Investments at
5 Cornell University is pleased to introduce a new simplified structure to help faculty and staff members build a diversified retirement savings portfolio in the Cornell University Retirement Plans (the "Plans"). When the market closes (generally 4:00 p.m. Eastern time) on October 16, 2017, several Tier III investment options offered through the Plans will no longer be available. Tier III is composed of nontarget date, non-core funds that are not monitored by Cornell University. As a result, all existing balances and future contributions will be transferred to the new investment options as shown on pages 8 20 of this Guide. While no action is required on your part, it is always a good idea to review your investment elections periodically to ensure that your selections continue to meet your needs. If you want to continue with your current investment options, you will have the opportunity to make changes, including setting up a self directed brokerage account to invest in your choice of thousands of mutual funds. This Transition Guide is a resource to help you understand the new plan structure and make the best investment decisions for your future. Understand how your current investments may be affected during the transition. Carefully review the actions you may need to take and the key date. Be aware that the funds no longer available in Tier III are available through a self directed brokerage account. Use this Guide as a resource to help you make the best investment decisions for your future. Fidelity will be conducting workshops on campus about these changes and will continue to offer retirement planning services to help you as well. Fidelity Investments will be at Cornell University to help answer your questions about the plan changes: G10 (Lecture Room) in the Biotechnology Building Thursday, September 21, 2:00 p.m. 3:00 p.m. Tuesday, October 3, 8:30 a.m. 9:30 a.m. Room 140 in East Hill Office Building 395 Pine Tree Road Wednesday, October 4, 1:00 p.m. 2:00 p.m. 5
6 What Do I Need to Do? If I am agreeable with the mapping of my current investment elections as described in this Guide: No action is required on your part. If I want to continue investing in funds no longer available in Tier III as of October 16, 2017: If you wish to continue investing in any of the funds no longer available in Tier III as listed in this Guide, you may do so by opening a separate Fidelity BrokerageLink account within the Plan. Once your BrokerageLink account is established, you must contact Fidelity Investments to assist with the closed fund re-purchase prior to October 16, 2017, at 4:00 p.m. Eastern time. To do this, call , Monday through Friday, between 8:30 a.m. and midnight Eastern time. The Fidelity BrokerageLink feature includes investments beyond those in your plans lineups. It is intended for those who are comfortable managing a portfolio of expanded investment choices. Remember, the plan fiduciary neither evaluates nor monitors the investments available through BrokerageLink. It is your responsibility to ensure the investments you select are suitable for your situation, including your goals, time horizon, and risk tolerance. Please refer to the fact sheet and commission schedule at the end of this Guide for applicable fees and risks. To open a Fidelity BrokerageLink account, please log on to Fidelity NetBenefits at or call Once you have opened an account, you may access, monitor, or change investments by contacting Fidelity. When you access your BrokerageLink account, there is additional information regarding available investment choices, which you should read before making any investment decisions. If purchasing a mutual fund through BrokerageLink, mutual fund minimums generally still apply. Prior to initiating a trade in your BrokerageLink account, you should review any fees associated with your transaction. Please refer to the fact sheet and commission schedule at the end of this Guide for brokerage fees. Please note that upon opening a Fidelity BrokerageLink account, the Automatic Rebalance service will no longer be available. As an alternative, consider the free Rebalance Notification service that alerts you by when your account s investment mix strays from your original specification. If you choose to rebalance, you can take action immediately by clicking a link delivered with the message. 6
7 To learn more about Rebalance Notification: Log on to Fidelity NetBenefits at Go to your retirement savings account. Select Change Investments. Select Rebalance. If I want my money to be mapped into a different fund offered through the Plan: You must contact Fidelity Investments and complete a change of investments prior to October 16, 2017, at 4:00 p.m. Eastern time. To do this, log on to Fidelity NetBenefits at or call , Monday through Friday, between 8:30 a.m. and midnight Eastern time. Be sure that the fund you are exchanging into is not scheduled to no longer be available as of October 16, For a list of all these funds, please refer to pages 8 20 of this Guide. Where can I obtain more information and/or answers to my questions? Contact Fidelity at Monday through Friday, between 8:30 a.m. and midnight Eastern time. To schedule a one-on-one appointment on campus, contact Fidelity at Use this Guide as a resource to help you make the best investment decisions for your future. Fidelity will be conducting workshops on campus about these changes and will continue to offer retirement planning services to help you as well. Fidelity Investments will be at Cornell University to help answer your questions about the plan changes: G10 (Lecture Room) in the Biotechnology Building Thursday, September 21, 2:00 p.m. 3:00 p.m. Tuesday, October 3, 8:30 a.m. 9:30 a.m. Room 140 in East Hill Office Building 395 Pine Tree Road Wednesday, October 4, 1:00 p.m. 2:00 p.m. 7
8 Investment Options No Longer Available in Tier III When the market closes (generally 4:00 p.m. Eastern time) on October 16, 2017, several investment options offered through the Cornell University Retirement Plans will no longer be available. As a result, all existing balances and future contributions will be transferred to the new investment option. See the following chart for details. The transfer of balances will appear as an exchange on your account history and quarterly statement. Old Investment Option Ariel Appreciation Fund Investor Class Fund Code: OFEJ Ticker Symbol: CAAPX Expense Information: 1.12% Ariel Fund Investor Class Fund Code: OFEI Ticker Symbol: ARGFX Expense Information: 1.02% Fidelity Asset Manager 20% Fund Code: 0328 Ticker Symbol: FASIX Expense Information: 0.53% Fidelity Asset Manager 30% Fund Code: 1957 Ticker Symbol: FTANX Expense Information: 0.54% Fidelity Asset Manager 40% Fund Code: 1958 Ticker Symbol: FFANX Expense Information: 0.55% Fidelity Asset Manager 50% Fund Code: 0314 Ticker Symbol: FASMX Expense Information: 0.66% Fidelity Asset Manager 60% Fund Code: 1959 Ticker Symbol: FSANX Expense Information: 0.72% Fidelity Asset Manager 70% Fund Code: 0321 Ticker Symbol: FASGX Expense Information: 0.73% Fidelity Asset Manager 85% Fund Code: 0347 Ticker Symbol: FAMRX Expense Information: 0.76% Vanguard Mid-Cap Index Fund Institutional Shares Fund Code: OMRJ Ticker Symbol: VMCIX Expense Information: 0.05% Vanguard Mid-Cap Index Fund Institutional Shares Fund Code: OMRJ Ticker Symbol: VMCIX Expense Information: 0.05% 8
9 Old Investment Option Fidelity Blue Chip Value Fund Fund Code: 1271 Ticker Symbol: FBCVX Expense Information: 0.88% Fidelity Capital & Income Fund 1 Fund Code: 0038 Ticker Symbol: FAGIX Expense Information: 0.75% Fidelity China Region Fund 2 Fund Code: 0352 Ticker Symbol: FHKCX Expense Information: 1.02% Fidelity Convertible Securities Fund Fund Code: 0308 Ticker Symbol: FCVSX Expense Information: 0.45% Fidelity Corporate Bond Fund Fund Code: 2208 Ticker Symbol: FCBFX Expense Information: 0.45% Fidelity Emerging Asia Fund 2 Fund Code: 0351 Ticker Symbol: FSEAX Expense Information: 1.16% Fidelity Emerging Europe, Middle East, Africa (EMEA) Fund2 Fund Code: 2053 Ticker Symbol: FEMEX Expense Information: 1.46% Fidelity Emerging Markets Discovery Fund 3 Fund Code: 2374 Ticker Symbol: FEDDX Expense Information: 1.55% Fidelity Europe Fund Fund Code: 0301 Ticker Symbol: FIEUX Expense Information: 1.07% Fidelity Floating Rate High Income Fund 4 Fund Code: 0814 Ticker Symbol: FFRHX Expense Information: 0.71% Fidelity Focused High Income Fund 1 Fund Code: 1366 Ticker Symbol: FHIFX Expense Information: 0.85% MFS Value Fund Class R6 Fund Code: OU4M Ticker Symbol: MEIKX Expense Information: 0.51% 9
10 Old Investment Option Fidelity Focused Stock Fund Fund Code: 0333 Ticker Symbol: FTQGX Expense Information: 0.62% Fidelity Four-in-One Index Fund Fund Code: 0355 Ticker Symbol: FFNOX Expense Information: 0.17% Fidelity Global Balanced Fund Fund Code: 0334 Ticker Symbol: FGBLX Expense Information: 1.02% Fidelity Global Bond Fund Fund Code: 2423 Ticker Symbol: FGBFX Expense Information: 1.14% Fidelity Global Commodity Stock Fund 5 Fund Code: 2120 Ticker Symbol: FFGCX Expense Information: 1.13% Fidelity Global Equity Income Fund 5 Fund Code: 2406 Ticker Symbol: FGILX Expense Information: 1.18% Fidelity Global High Income Fund 1 Fund Code: 2297 Ticker Symbol: FGHNX Expense Information: 1.20% Fidelity Global Strategies Fund Fund Code: 1960 Ticker Symbol: FDYSX Expense Information: 1.21% Fidelity GNMA Fund Fund Code: 0015 Ticker Symbol: FGMNX Expense Information: 0.45% Fidelity Government Income Fund Fund Code: 0054 Ticker Symbol: FGOVX Expense Information: 0.45% Fidelity Contrafund - Class K Fund Code: 2080 Ticker Symbol: FCNKX Expense Information: 0.58% 10
11 Old Investment Option Fidelity High Income Fund 1 Fund Code: 0455 Ticker Symbol: SPHIX Expense Information: 0.73% Fidelity Inflation-Protected Bond Fund Fund Code: 0794 Ticker Symbol: FINPX Expense Information: 0.45% Fidelity Intermediate Bond Fund Fund Code: 0032 Ticker Symbol: FTHRX Expense Information: 0.45% Fidelity Intermediate Government Income Fund Fund Code: 0452 Ticker Symbol: FSTGX Expense Information: 0.45% Fidelity International Capital Appreciation Fund Fund Code: 0335 Ticker Symbol: FIVFX Expense Information: 1.14% Fidelity International Enhanced Index Fund 5 Fund Code: 2010 Ticker Symbol: FIENX Expense Information: 0.59% Fidelity International Growth Fund Fund Code: 1979 Ticker Symbol: FIGFX Expense Information: 0.99% Fidelity International Real Estate Fund 2 Fund Code: 1368 Ticker Symbol: FIREX Expense Information: 1.13% Fidelity International Small Cap Fund 3 Fund Code: 0818 Ticker Symbol: FISMX Expense Information: 1.34% American Funds EuroPacific Growth Fund Class R-6 Fund Code: OUBE Ticker Symbol: RERGX Expense Information: 0.50% American Funds EuroPacific Growth Fund Class R-6 Fund Code: OUBE Ticker Symbol: RERGX Expense Information: 0.50% American Funds EuroPacific Growth Fund Class R-6 Fund Code: OUBE Ticker Symbol: RERGX Expense Information: 0.50% Cohen & Steers Institutional Realty Shares Fund Code: OSQO Ticker Symbol: CSRIX Expense Information: 0.76% American Funds EuroPacific Growth Fund Class R-6 Fund Code: OUBE Ticker Symbol: RERGX Expense Information: 0.50% 11
12 Old Investment Option Fidelity International Small Cap Opportunities Fund 3 Fund Code: 1504 Ticker Symbol: FSCOX Expense Information: 1.17% Fidelity International Value Fund 5 Fund Code: 1597 Ticker Symbol: FIVLX Expense Information: 1.03% Fidelity Investment Grade Bond Fund Fund Code: 0026 Ticker Symbol: FBNDX Expense Information: 0.45% Fidelity Japan Fund 2 Fund Code: 0350 Ticker Symbol: FJPNX Expense Information: 0.78% Fidelity Japan Smaller Companies Fund 2 Fund Code: 0360 Ticker Symbol: FJSCX Expense Information: 0.96% Fidelity Large Cap Core Enhanced Index Fund Fund Code: 1827 Ticker Symbol: FLCEX Expense Information: 0.39% Fidelity Large Cap Growth Enhanced Index Fund Fund Code: 1829 Ticker Symbol: FLGEX Expense Information: 0.39% Fidelity Large Cap Stock Fund Fund Code: 0338 Ticker Symbol: FLCSX Expense Information: 0.78% Fidelity Large Cap Value Enhanced Index Fund Fund Code: 1828 Ticker Symbol: FLVEX Expense Information: 0.39% American Funds EuroPacific Growth Fund Class R-6 Fund Code: OUBE Ticker Symbol: RERGX Expense Information: 0.50% MFS International Value Fund Class R6 Fund Code: OU1J Ticker Symbol: MINJX Expense Information: 0.66% Vanguard Institutional Index Fund Institutional Shares Fund Code: OFVH Ticker Symbol: VINIX Expense Information: 0.04% Fidelity Contrafund - Class K Fund Code: 2080 Ticker Symbol: FCNKX Expense Information: 0.58% Vanguard Institutional Index Fund Institutional Shares Fund Code: OFVH Ticker Symbol: VINIX Expense Information: 0.04% MFS Value Fund Class R6 Fund Code: OU4M Ticker Symbol: MEIKX Expense Information: 0.51% 12
13 Old Investment Option Fidelity Limited Term Government Fund Fund Code: 0662 Ticker Symbol: FFXSX Expense Information: 0.45% Fidelity Mega Cap Stock Fund Fund Code: 0361 Ticker Symbol: FGRTX Expense Information: 0.69% Fidelity Mid Cap Enhanced Index Fund Fund Code: 2012 Ticker Symbol: FMEIX Expense Information: 0.59% Fidelity Mid Cap Value Fund Fund Code: 0762 Ticker Symbol: FSMVX Expense Information: 0.73% Fidelity Mortgage Securities Fund Fund Code: 0040 Ticker Symbol: FMSFX Expense Information: 0.45% Fidelity Nasdaq Composite Index Fund Fund Code: 1282 Ticker Symbol: FNCMX Fidelity New Markets Income Fund 1 Fund Code: 0331 Ticker Symbol: FNMIX Expense Information: 0.86% Fidelity New Millennium Fund Fund Code: 0300 Ticker Symbol: FMILX Expense Information: 0.54% Fidelity Nordic Fund 2 Fund Code: 0342 Ticker Symbol: FNORX Expense Information: 0.99% Vanguard Federal Money Market Fund Investor Shares Fund Code: OQQL Ticker Symbol: VMFXX Expense Information: 0.11% Vanguard Institutional Index Fund Institutional Shares Fund Code: OFVH Ticker Symbol: VINIX Expense Information: 0.04% Vanguard Mid-Cap Index Fund Institutional Shares Fund Code: OMRJ Ticker Symbol: VMCIX Expense Information: 0.05% John Hancock Funds Disciplined Value Mid Cap Fund Class R6 Fund Code: OYYV Ticker Symbol: JVMRX Expense Information: 0.77% Fidelity Contrafund - Class K Fund Code: 2080 Ticker Symbol: FCNKX Expense Information: 0.58% Fidelity Contrafund - Class K Fund Code: 2080 Ticker Symbol: FCNKX Expense Information: 0.58% 13
14 Old Investment Option Fidelity Pacific Basin Fund 2 Fund Code: 0302 Ticker Symbol: FPBFX Expense Information: 1.19% Fidelity Real Estate Income Fund 6 Fund Code: 0833 Ticker Symbol: FRIFX Expense Information: 0.82% Fidelity Real Estate Investment Portfolio Fund Code: 0303 Ticker Symbol: FRESX Expense Information: 0.78% Fidelity Select Air Transportation Portfolio 7 Fund Code: 0034 Ticker Symbol: FSAIX Expense Information: 0.85% Fidelity Select Automotive Portfolio 7 Fund Code: 0502 Ticker Symbol: FSAVX Expense Information: 0.96% Fidelity Select Banking Portfolio 7 Fund Code: 0507 Ticker Symbol: FSRBX Expense Information: 0.79% Fidelity Select Biotechnology Portfolio Fund Code: 0042 Ticker Symbol: FBIOX Expense Information: 0.75% Fidelity Select Brokerage and Investment Management Portfolio7 Fund Code: 0068 Ticker Symbol: FSLBX Expense Information: 0.82% Fidelity Select Chemicals Portfolio Fund Code: 0069 Ticker Symbol: FSCHX Expense Information: 0.80% Cohen & Steers Institutional Realty Shares Fund Code: OSQO Ticker Symbol: CSRIX Expense Information: 0.76% Cohen & Steers Institutional Realty Shares Fund Code: OSQO Ticker Symbol: CSRIX Expense Information: 0.76% 14
15 Old Investment Option Fidelity Select Construction and Housing Portfolio 7 Fund Code: 0511 Ticker Symbol: FSHOX Expense Information: 0.80% Fidelity Select Consumer Discretionary Portfolio Fund Code: 0517 Ticker Symbol: FSCPX Expense Information: 0.76% Fidelity Select Consumer Finance Portfolio 7 Fund Code: 0098 Ticker Symbol: FSVLX Expense Information: 0.94% Fidelity Select Consumer Staples Portfolio Fund Code: 0009 Ticker Symbol: FDFAX Expense Information: 0.76% Fidelity Select Defense and Aerospace Portfolio Fund Code: 0067 Ticker Symbol: FSDAX Expense Information: 0.79% Fidelity Select Energy Service Portfolio 7 Fund Code: 0043 Ticker Symbol: FSESX Expense Information: 0.85% Fidelity Select Environment and Alternative Energy Portfolio 7 Fund Code: 0516 Ticker Symbol: FSLEX Expense Information: 0.94% Fidelity Select Financial Services Portfolio Fund Code: 0066 Ticker Symbol: FIDSX Expense Information: 0.77% Fidelity Select Gold Portfolio Fund Code: 0041 Ticker Symbol: FSAGX Expense Information: 0.87% 15
16 Old Investment Option Fidelity Select Health Care Portfolio Fund Code: 0063 Ticker Symbol: FSPHX Expense Information: 0.74% Fidelity Select Health Care Services Portfolio 7 Fund Code: 0505 Ticker Symbol: FSHCX Expense Information: 0.78% Fidelity Select Industrial Equipment Portfolio 7 Fund Code: 0510 Ticker Symbol: FSCGX Expense Information: 0.83% Fidelity Select Insurance Portfolio 7 Fund Code: 0045 Ticker Symbol: FSPCX Expense Information: 0.80% Fidelity Select IT Services Portfolio Fund Code: 0353 Ticker Symbol: FBSOX Expense Information: 0.79% Fidelity Select Leisure Portfolio 7 Fund Code: 0062 Ticker Symbol: FDLSX Expense Information: 0.80% Fidelity Select Materials Portfolio Fund Code: 0509 Ticker Symbol: FSDPX Expense Information: 0.81% Fidelity Select Medical Equipment and Systems Portfolio Fund Code: 0354 Ticker Symbol: FSMEX Expense Information: 0.76% Fidelity Select Multimedia Portfolio 7 Fund Code: 0503 Ticker Symbol: FBMPX Expense Information: 0.82% 16
17 Old Investment Option Fidelity Select Natural Resources Portfolio 7 Fund Code: 0514 Ticker Symbol: FNARX Expense Information: 0.84% Fidelity Select Pharmaceuticals Portfolio Fund Code: 0580 Ticker Symbol: FPHAX Expense Information: 0.80% Fidelity Select Retailing Portfolio Fund Code: 0046 Ticker Symbol: FSRPX Expense Information: 0.78% Fidelity Select Semiconductors Portfolio 7 Fund Code: 0008 Ticker Symbol: FSELX Expense Information: 0.77% Fidelity Select Software and IT Services Portfolio Fund Code: 0028 Ticker Symbol: FSCSX Expense Information: 0.76% Fidelity Select Technology Portfolio Fund Code: 0064 Ticker Symbol: FSPTX Expense Information: 0.77% Fidelity Select Telecommunications Portfolio Fund Code: 0096 Ticker Symbol: FSTCX Expense Information: 0.80% Fidelity Select Transportation Portfolio 7 Fund Code: 0512 Ticker Symbol: FSRFX Expense Information: 0.83% Fidelity Select Utilities Portfolio Fund Code: 0065 Ticker Symbol: FSUTX Expense Information: 0.79% 17
18 Old Investment Option Fidelity Select Wireless Portfolio 7 Fund Code: 0963 Ticker Symbol: FWRLX Expense Information: 0.87% Fidelity Short-Term Bond Fund Fund Code: 0450 Ticker Symbol: FSHBX Expense Information: 0.45% Fidelity Small Cap Discovery Fund 2 Fund Code: 0384 Ticker Symbol: FSCRX Expense Information: 1.01% Fidelity Small Cap Enhanced Index Fund Fund Code: 2011 Ticker Symbol: FCPEX Expense Information: 0.64% Fidelity Small Cap Growth Fund 2 Fund Code: 1388 Ticker Symbol: FCPGX Expense Information: 1.13% Fidelity Small Cap Stock Fund 3 Fund Code: 0340 Ticker Symbol: FSLCX Expense Information: 1.00% Fidelity Small Cap Value Fund 2 Fund Code: 1389 Ticker Symbol: FCPVX Expense Information: 1.22% Fidelity Stock Selector Large Cap Value Fund Fund Code: 0708 Ticker Symbol: FSLVX Expense Information: 0.77% Fidelity Stock Selector Mid Cap Fund Fund Code: 2412 Ticker Symbol: FSSMX Expense Information: 0.64% Federated Short-Term Income Fund Institutional Shares Fund Code: OU06 Ticker Symbol: FSTIX Expense Information: 0.84% Vanguard Small-Cap Index Fund Institutional Shares Fund Code: OMZE Ticker Symbol: VSCIX Expense Information: 0.05% Vanguard Small-Cap Index Fund Institutional Shares Fund Code: OMZE Ticker Symbol: VSCIX Expense Information: 0.05% Prudential Jennison Small Company Fund Class Q Fund Code: OEUC Ticker Symbol: PJSQX Expense Information: 0.69% Prudential Jennison Small Company Fund Class Q Fund Code: OEUC Ticker Symbol: PJSQX Expense Information: 0.69% Goldman Sachs Small Cap Value Fund Institutional Fund Code: OSBP Ticker Symbol: GSSIX Expense Information: 1.01% MFS Value Fund Class R6 Fund Code: OU4M Ticker Symbol: MEIKX Expense Information: 0.51% Eagle Mid Cap Growth Fund Class R6 Fund Code: OSF5 Ticker Symbol: HRAUX Expense Information: 0.73% 18
19 Old Investment Option Fidelity Stock Selector Small Cap Fund 2 Fund Code: 0336 Ticker Symbol: FDSCX Expense Information: 0.89% Fidelity Strategic Dividend & Income Fund Fund Code: 1329 Ticker Symbol: FSDIX Expense Information: 0.78% Fidelity Strategic Income Fund Fund Code: 0368 Ticker Symbol: FSICX Expense Information: 0.70% Fidelity Telecom and Utilities Fund Fund Code: 0311 Ticker Symbol: FIUIX Expense Information: 0.57% Fidelity Total Bond Fund Fund Code: 0820 Ticker Symbol: FTBFX Expense Information: 0.45% Fidelity Total Emerging Markets Fund 2 Fund Code: 2369 Ticker Symbol: FTEMX Expense Information: 1.62% Fidelity Total International Equity Fund 5 Fund Code: 1978 Ticker Symbol: FTIEX Expense Information: 1.11% Fidelity Trend Fund Fund Code: 0005 Ticker Symbol: FTRNX Expense Information: 0.74% Fidelity Worldwide Fund Fund Code: 0318 Ticker Symbol: FWWFX Expense Information: 0.91% Vanguard Small-Cap Index Fund Institutional Shares Fund Code: OMZE Ticker Symbol: VSCIX Expense Information: 0.05% MFS Value Fund Class R6 Fund Code: OU4M Ticker Symbol: MEIKX Expense Information: 0.51% American Funds EuroPacific Growth Fund Class R-6 Fund Code: OUBE Ticker Symbol: RERGX Expense Information: 0.50% Fidelity Contrafund - Class K Fund Code: 2080 Ticker Symbol: FCNKX Expense Information: 0.58% 19
20 Old Investment Option Franklin Small-Mid Cap Growth Fund Class A Fund Code: OFFS Ticker Symbol: FRSGX Expense Information: 0.97% Janus Forty Fund Class T Fund Code: OEMD Ticker Symbol: JACTX Expense Information: 0.96% Strategic Advisers Core Multi-Manager Fund Fund Code: 2382 Ticker Symbol: FLAUX Expense Information: 1.2% Strategic Advisers Growth Multi-Manager Fund Fund Code: 2383 Ticker Symbol: FMELX Expense Information: 0.86% Strategic Advisers Small-Mid Cap Multi- Manager Fund 2 Fund Code: 2388 Ticker Symbol: FNAPX Expense Information: 2.18% Strategic Advisers Value Multi-Manager Fund Fund Code: 2384 Ticker Symbol: FKMOX Expense Information: 1.32% Eagle Mid Cap Growth Fund Class R6 Fund Code: OSF5 Ticker Symbol: HRAUX Expense Information: 0.73% Fidelity Contrafund - Class K Fund Code: 2080 Ticker Symbol: FCNKX Expense Information: 0.58% Vanguard Institutional Index Fund Institutional Shares Fund Code: OFVH Ticker Symbol: VINIX Expense Information: 0.04% Fidelity Contrafund - Class K Fund Code: 2080 Ticker Symbol: FCNKX Expense Information: 0.58% Vanguard Small-Cap Index Fund Institutional Shares Fund Code: OMZE Ticker Symbol: VSCIX Expense Information: 0.05% MFS Value Fund Class R6 Fund Code: OU4M Ticker Symbol: MEIKX Expense Information: 0.51% Expense information as of August 29, 2017 Fidelity Freedom Fund - Class K Fund to which your existing balances and future contributions will be directed will be based on your date of birth and assume a retirement age of 65, at the direction of the plan sponsor. You can find the date of birth ranges and fund code information in the chart located on page 21. Please note that if you have an invalid date of birth on file, your existing balances and future contributions will be directed to the Fidelity Freedom Income Fund - Class K. 1 There is a short-term redemption fee of 1.00% for fee eligible shares held less than 90 days. 2 There is a short-term redemption fee of 1.50% for fee eligible shares held less than 90 days. 3 There is a short-term redemption fee of 2.00% for fee eligible shares held less than 90 days. 4 There is a short-term redemption fee of 1.00% for fee eligible shares held less than 60 days. 5 There is a short-term redemption fee of 1.00% for fee eligible shares held less than 30 days. 6 There is a short-term redemption fee of 0.75% for fee eligible shares held less than 90 days. 7 There is a short-term redemption fee of 0.75% for fee eligible shares held less than 30 days. A short-term redemption fee will not be charged as part of this reallocation. However, if you request a change before the transition without satisfying the required holding period, you may incur a short-term redemption fee. The dates shown are based on the timing and accuracy of a variety of factors, including the transfer of data, receipt of instructions, and receipt of assets. Changes in any of these factors may result in changes to the dates and timing, including the dates on which, and thus the prices at which, assets in your account are sold and/or reinvested. 20
21 Target Date Funds Age Chart Your contributions and existing balances as indicated in the mapping chart located in the Investment Options Being Removed section will be directed to a Fidelity Freedom Fund - Class K. Cornell University has chosen a Fidelity Freedom Fund - Class K based on your date of birth and the assumption that you will retire at age 65. Simply find your date of birth range in the following chart to determine into which Fidelity Freedom Fund - Class K your contributions and existing balances will be directed. Fidelity Freedom Funds - Class K are designed for investors expecting to retire around the year indicated in each Fidelity Freedom Fund - Class K. The funds gradually become more conservative over time, with a corresponding change in investment risk. They are subject to the volatility of the financial markets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, commodity-related, and foreign securities. Principal invested is not guaranteed at any time, including at or after the funds target dates. For more information on the Fidelity Freedom Funds - Class K, log on to Fidelity NetBenefits at Fidelity Freedom Fund - Class K Ticker Date of Birth Date Range Fidelity Freedom Income Fund - Class K FNSHX Before 01/01/1938 Fidelity Freedom 2005 Fund - Class K FSNJX 1/1/ /31/1942 Fidelity Freedom 2010 Fund - Class K FSNKX 1/1/ /31/1947 Fidelity Freedom 2015 Fund - Class K FSNLX 1/1/ /31/1952 Fidelity Freedom 2020 Fund - Class K FSNOX 1/1/ /31/1957 Fidelity Freedom 2025 Fund - Class K FSNPX 1/1/ /31/1962 Fidelity Freedom 2030 Fund - Class K FSNQX 1/1/ /31/1967 Fidelity Freedom 2035 Fund - Class K FSNUX 1/1/ /31/1972 Fidelity Freedom 2040 Fund - Class K FSNVX 1/1/ /31/1977 Fidelity Freedom 2045 Fund - Class K FSNZX 1/1/ /31/1982 Fidelity Freedom 2050 Fund - Class K FNSBX 1/1/ /31/1987 Fidelity Freedom 2055 Fund - Class K FNSDX 1/1/ /31/1992 Fidelity Freedom 2060 Fund - Class K FNSFX After 12/31/1992 Date of birth ranges were selected by your Plan Sponsor. 21
22 Important Note If You Use Rebalance Notification If you are currently using the Rebalance Notification feature offered through your Plan, you may need to adjust your rebalance elections given the changes to the Plan lineup on October 16, If you have a current investment option that will no longer be offered under the Plan, you will no longer be notified if your account s investment mix strays from the original specification. If you have questions or need assistance with the Rebalance feature, log on to Fidelity NetBenefits at or call , Monday through Friday, between 8:30 a.m. and midnight Eastern time. Go Paperless Tired of mailbox clutter? You can significantly reduce paper mail by providing us your address and updating your mail preferences to electronic delivery. Log on to Fidelity NetBenefits at and go to Your Profile. 22
23 FIDELITY BROKERAGELINK COMMISSION SCHEDULE Fees The Fidelity BrokerageLink account is highly flexible, and our cost structure is flexible as well. Our use of à la carte pricing for many features helps ensure that you pay only for the features you use. About Our Commissions and Fees The most economical way to place trades is online, through Fidelity.com, Fidelity Active Trader Pro (if eligible), or Fidelity Mobile. The next most economical way is through Fidelity Automated Service Telephone (FAST ). This automated service is available around the clock and can be accessed from a touch-tone phone. Below is the Fee Schedule associated with your BrokerageLink account. The fees described in this document may change from time to time without notice. Before placing a trade, consider Fidelity s most recent Brokerage Commission and Fee Schedule available at Fidelity.com or through a Fidelity representative. Consult your plan s literature to understand your BrokerageLink account options. MUTUAL FUNDS Commissions and Fees in Your BrokerageLink Account This section describes only fees associated with your account. Fees charged by a fund itself (for example, expense ratios, redemption fees [if any], exchange fees [if any], and sales charges [for load funds]) are in the fund s prospectus. Read it carefully before you invest. Fidelity Funds All Methods: No transaction fees FundsNetwork Funds Through FundsNetwork, your account provides access to more than 5,000 mutual funds. At the time you purchase shares of a no-load fund, those shares will be assigned either a transaction-fee (TF) or no-transaction-fee (NTF) status. When you subsequently sell those shares, any applicable fees will be assessed based on the status assigned to the shares at the time of purchase. Fidelity Brokerage Services LLC (FBS) or its brokerage affiliate may receive remuneration for providing certain recordkeeping or shareholder services to these fund families. In connection with (i) access to, purchase or redemption of, and/or maintenance of positions in mutual funds and other investment products ( funds ) or (ii) infrastructure needed to support such funds, some funds, or their investment affiliates, pay FBS and/or National Financial Services LLC (NFS) sales loads and 12b-1 fees described in the prospectus as well as additional compensation for shareholder services, infrastructure support and maintenance, and other programs. The following are the different types of FundsNetwork Funds: 1) FundsNetwork NTF Funds All Methods: No transaction fees.* Most NTF funds will have no load. Certain NTF funds will be available with the load waived. *Fidelity reserves the right to change the funds available without transaction fees and to reinstate the fees on any funds. Short-Term Trading Fees Fidelity will charge a short-term trading fee each time you sell or exchange shares of FundsNetwork NTF funds held less than 60 days (short-term trade). Fidelity funds, money market funds, funds redeemed through the Personal Withdrawal Service, and shares purchased through dividend reinvestment are not subject to this short-term trading fee. Fidelity reserves the right to exempt other funds from this fee, such as funds designed to achieve their stated objective on a short-term basis. The fee will be based on the following fee schedule: Online: $49.95 flat fee FAST : % of principal (25% off representative-assisted rates); maximum $187.50, minimum $75 Representative-Assisted: 0.75% of principal; maximum $250, minimum $100 Please be aware that certain FundsNetwork funds may be subject to separate and additional redemption fees imposed by the particular fund. Please refer to a fund s current prospectus for details. 2) FundsNetwork TF Funds Purchases: Online: $49.95 or $75 per purchase. To identify any applicable transaction fees associated with the purchase of a given fund, please refer to the Fees and Distributions tab on the individual fund page on Fidelity.com. FAST : % of principal per purchase; maximum $187.50, minimum $75 Representative-Assisted: 0.75% of principal per purchase; maximum $250, minimum $100 Redemptions: Fidelity does not charge a transaction fee on any redemption of shares of a transaction-fee fund that were purchased with no load. A fund s own redemption fee may apply. You can buy shares in a transaction-fee fund from its principal underwriter or distributor without paying a Fidelity transaction fee. 3) FundsNetwork Load Funds All Methods: A fund s sales charges may apply. Fidelity does not charge a transaction fee on a load fund. A fund s own redemption fee may apply. If applicable, you may establish automatic investment of BrokerageLink payroll contributions into a FundsNetwork mutual fund(s) of your choice by contacting a brokerage representative through your plan s toll-free number. Automatic investments of BrokerageLink payroll contributions are subject to fund minimums. FEES AND TRADING POLICIES Commissions will be charged per order. For commission purposes, orders executed over multiple days will be treated as separate orders. Unless noted otherwise, all fees and commissions are debited from your core account. Fee Waiver Eligibility To determine your eligibility for fee waivers, we group the assets and trading activity of all the eligible accounts shown on your periodic account statement. Eligible accounts generally include those maintained with Fidelity Service Company, Inc., or FBS [such as 401(k), 403(b), or 457 plan assets] or held in Fidelity Investments Life Insurance Company accounts, Fidelity Portfolio Advisory Service accounts, or Fidelity Personalized Portfolios accounts. Assets maintained by Fidelity Personal Trust Company, FSB, are generally not included. We may include other assets at our discretion. We will review your account periodically to confirm that your household is receiving the best fee waivers it qualifies for, and we may change your fee waiver eligibility at any time based on these reviews. We update fee waiver eligibility across household accounts promptly after a daily review of trading activity, and monthly after a review of household assets. All trading activity is measured on a rolling 12-month basis. If you believe there are eligible accounts within your household that are not being counted in our fee waiver eligibility process for example, accounts held by immediate family members who reside with you you may authorize Fidelity to consolidate these accounts into an aggregated relationship household and review them for eligibility. Any resulting fee waivers would extend both to you and to all immediate family members residing with you. Most customers receive only a single customer reporting statement from Fidelity and do not need to take any action. However, for more information, call your plan s toll-free number or visit Fidelity.com. Limits on Feature Eligibility Fidelity BrokerageLink accounts cannot sell short, are not eligible for margin loans, and may be subject to other rules and policies. Please see the literature for these accounts for details. Prospectuses Free prospectuses are available for Fidelity funds and FundsNetwork funds. To obtain any of these documents, and for other information on any fund offered through Fidelity, including charges and expenses, call your plan s toll-free number or visit Fidelity.com. BROKERAGELINK COMMISSION SCHEDULE 23
24 Before investing in any mutual fund, consider the investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully. Investing involves risk, including risk of loss. For a mutual fund, the expense ratio is the total annual fund or class operating expenses (before waivers or reimbursements) paid by the fund and stated as a percentage of the fund's total net assets. Expense ratios change periodically and are drawn from the fund s prospectus. For more detailed fee information, see the fund prospectus or annual or semiannual reports. CAPTRUST Financial Advisors and Fidelity Investments are not affiliated. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI FMR LLC. All rights reserved
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