Transitioning to T+2 Settlement 1 FOR PLAN SPONSOR USE ONLY. NOT FOR PLAN PARTICIPANT DISTRIBUTION

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1 Transitioning to T+2 Settlement 1 FOR PLAN SPONSOR USE ONLY. NOT FOR PLAN PARTICIPANT DISTRIBUTION.

2 AGENDA T+2 settlement basics Current state What you should do before T+2 settlement is in effect T+2 questions Next steps 2 FOR PLAN SPONSOR USE ONLY. NOT FOR PLAN PARTICIPANT DISTRIBUTION.

3 T+2 Settlement Basics On September 5, 2017, the financial industry will shorten the settlement cycle from three business days after trade date (T+3) to two business days after trade date (T+2) for most securities This change impacts equities (including stock compensation products settled in or based on equities), corporate bonds, municipal bonds and unit investment trusts Settlement timeframe: Trade (transaction) T+1 T+2 Settlement T+3 Reporting begins DWAC receipt Tax withholding rates received Latest time for DWAC receipt Post Settlement Process Review tax liability obligations 3 FOR PLAN SPONSOR USE ONLY. NOT FOR PLAN PARTICIPANT DISTRIBUTION.

4 Current State Share delivery 96% of all share delivery occurs in T+1 today 99% of all share delivery occurs on T+1 and T+2 timeframe Tax platform 50% of Stock Plan Services clients use the Global Tax Management System, which helps provide flexible and accurate estimation of taxes Tax adjustments Our tax adjustment process will remain the same for adjustments post settlement (this will not change once T+2 is in effect) 4 FOR PLAN SPONSOR USE ONLY. NOT FOR PLAN PARTICIPANT DISTRIBUTION.

5 What You Should Do Before T+2 Settlement Is in Effect Preparations T+1 Tax Information Post Settlement Review prefunding options for restricted distributions with Fidelity Provide your transfer agent with Fidelity s DWAC letter of authorization Ensure your transfer agent is prepared Review your tax liability obligations Contact your payroll department and any vendors Review your processes regarding tax liability with respect to the shortened window to determine if adjustments are required Provide tax information to Fidelity by T+1 to ensure a timely tax withholding process Any adjustment or share modifications are required prior to settlement This will include updates provided via feedback files and service requests You may need to adjust your internal processes to accommodate T+1 timing (if you work with multiple parties, e.g., vendors, global payroll departments, etc.) 5 FOR PLAN SPONSOR USE ONLY. NOT FOR PLAN PARTICIPANT DISTRIBUTION.

6 T+2 Questions When will Fidelity get me the transaction information so I can send it to my payroll department? If you are using our automated feedback files, transaction information will be sent by end of day on the trade date If you use reporting, you will have the transaction information by 7 a.m. ET When is the latest time I can send tax information back to Fidelity for processing prior to settlement? The new cutoff for sending in tax updates for T+1, GESTR, and partial admin clients is 11 p.m. ET on the day before settlement We re not going to be ready; what can my firm do to minimize the impact? Fidelity recommends that you coordinate with internal stakeholders, like payroll or accounting, to review and streamline the post-settlement correction process outside of Fidelity to determine how will it will be done via global payroll or other methods Link to Frequently Asked Questions 6 FOR PLAN SPONSOR USE ONLY. NOT FOR PLAN PARTICIPANT DISTRIBUTION.

7 Next Steps Participant communication highlights and timing Targeted communication Service team follow up 7 FOR PLAN SPONSOR USE ONLY. NOT FOR PLAN PARTICIPANT DISTRIBUTION.

8 SPS PLAN SPONSOR STANDARD PRESENTATION FOOTNOTE SLIDE Important Additional Information FOR PLAN SPONSOR USE ONLY. NOT FOR PLAN PARTICIPANT DISTRIBUTION. Any tax information is general in nature and for informational purposes only. Fidelity does not provide legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Plan sponsor(s) mentioned and Fidelity Investments are not affiliated. The Fidelity Investments and pyramid design logo is a registered service mark of FMR LLC. Recordkeeping and administrative services are provided by Fidelity Stock Plan Services, LLC, or by your company and its service providers. Clearing, custody, or other brokerage services may be provided by National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, SIPC. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI FMR LLC. All rights reserved. 8 FOR PLAN SPONSOR USE ONLY. NOT FOR PLAN PARTICIPANT DISTRIBUTION

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