The Queen s Health Systems 403(b) Retirement Savings Plan Investment Options Guide

The Queen s Health Systems 403(b) Retirement Savings Plan Investment Options Guide As described in The Queen s Health Systems Transition Guide, after your Plan s transition to Fidelity is complete, your investment lineup may include new investment options as well as current investment options. Refer to this Investment Options Guide for fund descriptions of each investment option in your 403(b) plan. This is also called the trading symbol for the fund. If the fund is listed and traded on any of the major exchanges, this is the code that is used to identify the fund. ING Fixed Account* What It Is: Goal: What it invests in: N/A An annuity contract issued by ING Life Insurance and Annuity Company (ILIAC). To provide a high quality investment option, earnings stability and liquidity, while offering a guarantee of principal and interest. The ING Fixed Account is backed by the general account of ILIAC, which is a diversified portfolio of fixedincome assets. This diversified general account portfolio consists of public and private securities, commercial and residential mortgages and U.S. agency securities. Guarantees are subject to the claims paying ability of the issuing insurance company. Someone who is looking to diversify some of their assets in a more stable fixed income investment. *Restrictions or fees may apply to exchanges or withdrawals. The ING Fixed Account is not a mutual fund and is underwritten and offered by ING Life Insurance and Annuity Company, which guarantees your principal and interest. Information furnished on the ING Fixed Account was furnished by ING. Fidelity Investments Institutional Services Company, Inc. and ING Life Insurance and Annuity Company are not affiliated. Metropolitan West High Yield Bond Fund Class M MWHYX Bond A Corporate Bond - High Yield mutual fund; the Morningstar Category is High Yield Bond. The investment seeks to maximize long-term total return consistent with preservation of capital. The fund normally invests at least 80% of net assets in high yield fixed income securities which are rated below investment grade or are unrated and determined by the Adviser to be of similar quality. The remainder of the funds net assets may be invested in investment grade securities rated by one of the nationally recognized statistical rating organizations or of comparable quality in the opinion of the Adviser. The portfolio duration is two to eight years and the dollar-weighted average maturity ranges from two to fifteen years. It is nondiversified. The fund may invest in lower-quality debt securities that involve greater risk of default or price changes due to potential changes in the credit quality of the issuer. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Please consult the prospectus for additional risk information specific to this fund. N/A Someone interested in a bond fund that provides the potential for both current income and share-price appreciation. Someone who is seeking to complement his or her core bond holdings with a bond investment that seeks higher returns from riskier bonds, and who can tolerate higher risk. A mutual fund registered under Metropolitan West Funds, and managed by Metropolitan West Asset Management LLC. This description is only intended to provide a brief overview of the fund. Read the fund's prospectus for more 1

Fidelity Government Income Fund FGOVX Bond Seeks a high level of current income, consistent with preservation of principal. Normally investing at least 80% of assets in U.S. Government securities and repurchase agreements for those securities. Investing in instruments related to U.S. Government securities. Engaging in transactions that have a leveraging effect on the fund. Fixed income investments entail interest rate risk (as interest rates rise bond prices usually fall), the risk of issuer default, issuer credit risk and inflation risk. Leverage can increase market exposure and magnify investment risk. Someone who is seeking a fund that invests primarily in securities issued by the U.S. government and its agencies or instrumentalities. Someone who is seeking to diversify an equity portfolio with a more conservative investment option. A mutual fund registered under Fidelity Income Fund, and managed by Fidelity Management Research Company ("FMR"). This description is only intended to provide a brief overview of the fund. Read the fund's prospectus for more PIMCO Total Return Fund Institutional Class PTTRX Bond A Corporate Bond - General mutual fund; the Morningstar Category is Intermediate-Term Bond. The investment seeks maximum total return. The fund normally invests at least 65% of assets in a diversified portfolio of Fixed-Income Instruments of varying maturities, which may be represented by forwards or derivatives such as options, futures contracts, or swap agreements. It invests primarily in investment-grade debt securities, but may invest up to 10% of total assets in high-yield securities (junk bonds). The fund may invest in derivative instruments, such as options, futures contracts or swap agreements, or in mortgage- or asset-backed securities. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Please consult the prospectus for additional risk information specific to this fund. Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share price. Someone who is seeking to diversify an equity portfolio with a more conservative investment option. A mutual fund registered under PIMCO Funds, and managed by Pacific Investment Management Co LLC. This Vanguard Total Bond Market Index Fund Signal Shares VBTSX Bond An Income mutual fund; the Morningstar Category is Intermediate-Term Bond. The investment seeks to track the performance of a broad, market-weighted bond index. The fund employs a "passive management", or indexing investment approach designed to track the performance of the Barclays Capital U.S. Aggregate Float Adjusted Index. It invests by sampling the index. It invests at least 80% of assets in bonds held in the index. The fund maintains a dollar-weighted average maturity consistent with that of the index, ranging between 5 and 10 years. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Please consult the prospectus for additional risk information specific to this fund. 2

Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share price. Someone who is seeking to diversify an equity portfolio with a more conservative investment option. A mutual fund registered under Vanguard Bond Index Funds, and managed by Vanguard Group, Inc. This The Barclays Capital U.S. Aggregate Float Adjusted Index measures the total universe of public, investmentgrade, taxable, fixed income securities in the United States-including government, corporate, and international dollar-denominated bonds, as well as mortgage-backed and asset-backed securities-all with maturities of more than 1 year. T. Rowe Price Equity Income Fund Advisor Class PAFDX Domestic Equities - Large Value An Equity-Income mutual fund; the Morningstar Category is Large Value. The investment seeks to provide substantial dividend income as well as long-term growth of capital. The fund will normally invest at least 80% of assets in common stocks, with 65% in the common stocks of wellestablished companies paying above-average dividends. It invests most assets in U.S. common stocks, and may also purchase other securities including foreign stocks, futures, and options. Value stocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Please consult the prospectus for additional risk information specific to this fund. Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. Someone who is comfortable with the volatility of large-cap stocks and value-style investments. A mutual fund registered under T. Rowe Price Equity Income Fund, and managed by T. Rowe Price Associates, Inc. This description is only intended to provide a brief overview of the fund. Read the fund's prospectus for more American Funds Fundamental Investors Fund Class R4 RFNEX Domestic Equities - Large Blend A World Stock mutual fund; the Morningstar Category is Large Blend. The investment seeks long-term growth of capital and income. The fund invests primarily in common stocks of companies that appear to offer superior opportunities for capital growth and most of which have a history of paying dividends. It may invest significantly in securities of issuers domiciled outside the United States. Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Please consult the prospectus for additional risk information specific to this fund. Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated with investing in the stock market. A mutual fund registered under Fundamental Investors Inc, and managed by Capital Research and Management Company. This description is only intended to provide a brief overview of the fund. Read the fund's prospectus for more The S&P 500 Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use by Fidelity Distributors Corporation and its affiliates. It is an unmanaged index of the common stock prices of 500 widely held U.S. stocks that includes the reinvestment of dividends. Vanguard Institutional Index Fund Institutional Shares VINIX Domestic Equities - Large Blend 3

A Growth and Income mutual fund; the Morningstar Category is Large Blend. The investment seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks. The fund attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make up Standard & Poor's 500 Index, which is a widely recognized benchmark of U.S. stock market performance that is dominated by the stocks of large U.S. companies. Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Please consult the prospectus for additional risk information specific to this fund. Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated with investing in the stock market. A mutual fund registered under Vanguard Institutional Index Funds, and managed by Vanguard Group, Inc. This The S&P 500 Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use by Fidelity Distributors Corporation and its affiliates. It is an unmanaged index of the common stock prices of 500 widely held U.S. stocks that includes the reinvestment of dividends. American Funds Growth Fund of America Class R5 RGAFX Domestic Equities - Large Growth A Growth mutual fund; the Morningstar Category is Large Growth. The investment seeks capital growth by investing in common stocks. The fund invests primarily in common stocks and seeks to invest in companies that appear to offer superior opportunities for growth of capital. It may invest a portion of its assets in securities of issuers domiciled outside the U.S. The fund may also hold cash or money market instruments. Growth stocks can perform differently from the market as a whole and can be more volatile than other types of stocks. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Please consult the prospectus for additional risk information specific to this fund. Someone who is seeking the potential for long-term share-price appreciation. Someone who is willing to accept the generally greater price volatility associated with growth-oriented stocks. A mutual fund registered under Growth Fund of America Inc, and managed by Capital Research and Management Company. This description is only intended to provide a brief overview of the fund. Read the fund's prospectus for more MainStay Large Cap Growth Fund Class I MLAIX Domestic Equities - Large Growth A Growth mutual fund; the Morningstar Category is Large Growth. The investment seeks long-term growth of capital. The fund invests in companies that have the potential for above-average future earnings growth. It normally invests at least 80% of assets in large-capitalization companies which have a market capitalization in excess of $4.0 billion and generally are improving their financial returns. The fund is permitted to invest up to 20% of net assets in foreign securities. Growth stocks can perform differently from the market as a whole and can be more volatile than other types of stocks. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Please consult the prospectus for additional risk information specific to this fund. Someone who is seeking the potential for long-term share-price appreciation. Someone who is willing to accept the generally greater price volatility associated with growth-oriented stocks. A mutual fund registered under MainStay Funds, and managed by New York Life Investment Management Llc. This description is only intended to provide a brief overview of the fund. Read the fund's prospectus for 4

more RidgeWorth Mid-Cap Value Equity Fund Class I SMVTX Domestic Equities - Mid Value A Growth mutual fund; the Morningstar Category is Mid-Cap Value. The investment seeks capital appreciation; current income is secondary. The fund invests at least 80% of net assets in U.S. traded equity securities of mid cap companies. U.S. traded equity securities may include American Depositary Receipts ("ADRs"). It targets companies with market capitalizations similar to those of companies in the Russell Mid-cap Index. In addition, to implement the investment strategy, the fund may buy or sell, to a limited extent, derivative instruments. Value stocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods of time. The securities of smaller, less well-known companies can be more volatile than those of larger companies. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Please consult the prospectus for additional risk information specific to this fund. Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. Someone who is comfortable with value-style investments and the potentially greater volatility of investments in smaller companies. A mutual fund registered under RidgeWorth Funds, and managed by Ridgeworth Capital Management, Inc. This The Russell Midcap Index is an unmanaged market capitalization-weighted index of 800 mediumcapitalization stocks. The stocks are also members of the Russell 1000 index. Spartan Extended Market Index Fund - Investor Class FSEMX Domestic Equities - Mid Blend Seeks to provide investment results that correspond to the total return stocks of mid- to small-capitalization United States companies. Normally investing at least 80% of assets in common stocks included in the Dow Jones U.S. Completion Total Stock Market Index, which represents the performance of stocks of mid- to small-capitalization U.S. companies. Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Investments in smaller companies may involve greater risks than those in larger, more well known companies. This fund has a Short-term Redemption Fee of 0.75% for shares held less than 90 days. Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. Someone who is seeking both growth- and value-style investments and who is willing to accept the generally greater volatility of investments in smaller companies. A mutual fund registered under Fidelity Concord Street Trust, and managed by Fidelity Management Research Company ("FMR"). This description is only intended to provide a brief overview of the fund. Read the fund's prospectus for more The Dow Jones U.S. Completion Total Stock Market Index is an unmanaged index that represents all U.S. equity issues with readily available prices, excluding components of the S&P 500. Morgan Stanley Institutional Mid Cap Growth Fund Class P MACGX Domestic Equities - Mid Growth A Growth mutual fund; the Morningstar Category is Mid-Cap Growth. The investment seeks long-term capital growth. The fund primarily invests in growth-oriented equity securities of U.S. and non-u.s. mid-cap companies. It may invest up to 25% of net assets in securities of foreign issuers, including issuers located in emerging market countries or developing countries. The securities in which the fund may invest may be denominated in U.S. dollars or in currencies other than U.S. dollars. Growth stocks can perform differently from the market as a whole and can be more volatile than other types 5

of stocks. The securities of smaller, less well-known companies can be more volatile than those of larger companies. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Please consult the prospectus for additional risk information specific to this fund. Someone who is seeking the potential for long-term share-price appreciation. Someone who is willing to accept the generally greater price volatility associated both with growth-oriented stocks and with smaller companies. A mutual fund registered under Morgan Stanley Institutional Fund Trust, and managed by Morgan Stanley Invstmt Management Inc. This description is only intended to provide a brief overview of the fund. Read the fund's prospectus for more T. Rowe Price Small-Cap Value Fund PRSVX Domestic Equities - Small Blend A Small Company mutual fund; the Morningstar Category is Small Blend. The investment seeks long-term capital growth. The fund will invest at least 80% of assets in companies with a market capitalization that is within or below the range of companies in the Russell 2000 Index. While it invests most assets in U.S. common stocks, the fund may also purchase other securities including bonds, foreign stocks, futures, and options. The securities of smaller, less well-known companies can be more volatile than those of larger companies. Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Please consult the prospectus for additional risk information specific to this fund. This fund has a Short-term Redemption Fee of 1.00% for shares held less than 90 days. Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. Someone who is seeking both growth- and value-style investments and who is willing to accept the generally greater volatility of investments in smaller companies. A mutual fund registered under T. Rowe Price Small-cap Value Fund, Inc., and managed by T. Rowe Price Associates, Inc. This description is only intended to provide a brief overview of the fund. Read the fund's prospectus for more T. Rowe Price New Horizons Fund The Russell 2000 Index is an unmanaged market capitalization-weighted index of 2,000 small company stocks of U.S. domiciled companies. PRNHX Domestic Equities - Small Growth An Aggressive Growth mutual fund; the Morningstar Category is Small Growth. The investment seeks long-term capital growth. The fund will invest primarily in a diversified group of small, emerging growth companies, preferably early in the corporate life cycle before a company becomes widely recognized by the investment community. It may also invest in companies that offer the possibility of accelerating earnings growth because of rejuvenated management, new products, or structural changes in the economy. While the fund invests most assets in U.S. common stocks, it may also purchase other securities including foreign stocks, futures, and options. The securities of smaller, less well-known companies can be more volatile than those of larger companies. Growth stocks can perform differently from the market as a whole and can be more volatile than other types of stocks. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Please consult the prospectus for additional risk information specific to this fund. Someone who is seeking the potential for long-term share-price appreciation. Someone who is willing to accept the generally greater price volatility associated both with growth-oriented stocks and with smaller companies. A mutual fund registered under T. Rowe Price New Horizons Fund, Inc., and managed by T. Rowe Price Associates, Inc. This description is only intended to provide a brief overview of the fund. Read the fund's prospectus for more American Funds EuroPacific Growth Fund Class R4 6

REREX International/Global A Foreign Stock mutual fund; the Morningstar Category is Foreign Large Blend. The investment seeks to provide you with long-term growth of capital. The fund invests primarily in common stocks of issuers in Europe and the Pacific Basin that the investment adviser believes have the potential for growth. It normally invests at least 80% of net assets in securities of issuers in Europe and the Pacific Basin. The fund may invest a portion of its assets in common stocks and other securities of companies in countries with developing economies and/or markets and may also hold cash, money market instruments and fixedincome securities. Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of which may be magnified in emerging markets. Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. Please consult the prospectus for additional risk information specific to this fund. Someone who is seeking to complement a portfolio of domestic investments with international investments, which can behave differently. Someone who is willing to accept the higher degree of risk associated with investing overseas. A mutual fund registered under Europacific Growth Fund, and managed by Capital Research and Management Company. This description is only intended to provide a brief overview of the fund. Read the fund's prospectus for more American Funds New Perspective Fund Class R4 RNPEX International/Global A World Stock mutual fund; the Morningstar Category is World Stock. The investment seeks capital appreciation and income. The fund normally invests in stocks of companies located around the world to take advantage of investment opportunities generated by changes in international trade patterns and economic and political relationships. In pursuing its primary investment objective, it invests primarily in common stocks that the investment adviser believes have the potential for growth. In pursuing its secondary objective, the fund invests in common stocks of companies with the potential to pay dividends in the future. Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of which may be magnified in emerging markets. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. Please consult the prospectus for additional risk information specific to this fund. Someone who is seeking an investment that invests in both domestic and international markets. Someone who is willing to accept the volatility of the markets and the generally higher degree of risk associated with international investments. A mutual fund registered under New Perspective Fund Inc, and managed by Capital Research and Management Company. This description is only intended to provide a brief overview of the fund. Read the fund's prospectus for more Vanguard Total International Stock Index Fund Signal Shares VTSGX A Foreign Stock mutual fund; the Morningstar Category is Foreign Large Blend. The investment seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in developed and emerging markets, excluding the United States. The fund employs a "passive management"-or indexing-investment approach designed to track the performance of the MSCI All Country World ex USA Investable Market Index, an index designed to measure equity market performance in developed and emerging markets, excluding the United States. The index includes more than 6,000 stocks of companies located in 44 countries. Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of which may be magnified in emerging markets. Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. Please consult the prospectus for additional risk information specific to this fund. N/A Someone who is seeking to complement a portfolio of domestic investments with international investments, 7

which can behave differently. Someone who is willing to accept the higher degree of risk associated with investing overseas. A mutual fund registered under Vanguard Star Funds, and managed by Vanguard Group, Inc. This Fidelity Freedom 2000 Fund FFFBX asset allocation strategy designed for investors expected to have retired around the year 2000. Allocating assets funds (approximately 10 to 15 years after the year 2000). Ultimately, the fund will merge with Freedom Someone who is seeking an investment option intended for people in or very near retirement and who is willing to accept the volatility of diversified investments in the market. Fidelity Freedom 2005 Fund FFFVX asset allocation strategy designed for investors expected to have retired around the year 2005. Allocating assets funds (approximately 10 to 15 years after the year 2005). Ultimately, the fund will merge with Freedom Someone who is seeking an investment option intended for people in or very near retirement and who is willing to accept the volatility of diversified investments in the market. Fidelity Freedom 2010 Fund FFFCX 8

asset allocation strategy designed for investors expecting to retire around the year 2010. Allocating assets funds (approximately 10 to 15 years after the year 2010). Ultimately, the fund will merge with Freedom and abroad and may be subject torisks associated with investing in high yield, small cap, commodity-linked, Someone who is seeking an investment option intended for people in or very near retirement and who is willing to accept the volatility of diversified investments in the market. Fidelity Freedom 2015 Fund FFVFX asset allocation strategy designed for investors expecting to retire around the year 2015. Allocating assets funds (approximately 10 to 15 years after the year 2015). Ultimately, the fund will merge with Freedom and abroad and may be subject torisks associated with investing in high yield, small cap, commodity-linked, Someone who is seeking an investment option intended for people in or very near retirement and who is willing to accept the volatility of diversified investments in the market. Fidelity Freedom 2020 Fund FFFDX asset allocation strategy designed for investors expecting to retire around the year 2020. Allocating assets funds (approximately 10 to 15 years after the year 2020). Ultimately, the fund will merge with Freedom 9

Fidelity Freedom 2025 Fund FFTWX asset allocation strategy designed for investors expecting to retire around the year 2025. Allocating assets funds(approximately 10 to 15 years after the year 2025). Ultimately, the fund will merge with Freedom Income Fund and abroad and may be subject torisks associated with investing in high yield, small cap, commodity-linked, Fidelity Freedom 2030 Fund FFFEX asset allocation strategy designed for investors expecting to retire around the year 2030. Allocating assets funds (approximately 10 to 15 years after the year 2030). Ultimately, the fund will merge with Freedom and abroad and may be subject torisks associated with investing in high yield, small cap, commodity-linked, 10

Fidelity Freedom 2035 Fund FFTHX asset allocation strategy designed for investors expecting to retire around the year 2035. Allocating assets funds (approximately 10 to 15 years after the year 2035). Ultimately, the fund will merge with Freedom Fidelity Freedom 2040 Fund FFFFX asset allocation strategy designed for investors expecting to retire around the year 2040. Allocating assets funds (approximately 10 to 15 years after the year 2040). Ultimately, the fund will merge with Freedom Fidelity Freedom 2045 Fund FFFGX 11

asset allocation strategy designed for investors expecting to retire around the year 2045. Allocating assets funds (approximately 10 to 15 years after the year 2045). Ultimately, the fund will merge with Freedom Fidelity Freedom 2050 Fund FFFHX asset allocation strategy designed for investors expecting to retire around the year 2050. Allocating assets funds (approximately 10 to 15 years after the year 2050). Ultimately, the fund will merge with Freedom Income Fund Fidelity Freedom Income Fund FFFAX Seeks high total asset allocation strategy designed for investors already in retirement. Allocating assets among underlying Fidelity funds according to a stable asset allocation strategy of approximately 14.6% in domestic equity funds, 5.4% in international equity funds, 35% in investment-grade fixed-income funds, 5% in high yield fixedincome funds, and 40% in short-term funds. The fund is subject to the volatility of the financial markets, including equity and fixed income investments. Fixed income investments entail issuer default and credit risk, inflation risk and interest rate risk (as interest rates rise bond prices usually fall and vice versa). This effect is usually pronounced for longer-term securities. Principal invested is not guaranteed at any time, including at or after retirement. 12

What it invests in: Someone who is seeking an investment option intended for people in retirement and who is willing to accept the volatility of diversified investments in the market. option and looking primarily for the potential for income and, secondarily, for share-price appreciation. You alone decide how to invest the assets in your Fidelity BrokerageLink account. You can invest in most listed stocks, options (if approved for options trading), corporate bonds, zero-coupon bonds, U.S. Treasury securities, mortgage securities and U.S. Government agency bonds, certificates of deposit, unit investment trusts, foreign securities, and other mutual funds (subject to the limitations of your particular plan). If you do not feel comfortable actively managing a portfolio of individual securities, you may find that your plan's standard investment options may be more appropriate for you. There are certain securities in which you cannot invest through your BrokerageLink account; check your BrokerageLink brochure for more information. There are additional fees for investing in a BrokerageLink account. See your plan's fact sheet for details. Someone who is comfortable with the increased risk of investing part of his or her retirement savings within a brokerage account, and who is familiar with how a brokerage account operates. Someone who wants the highest degree of flexibility in selecting investments for his or her retirement savings. Fidelity BrokerageLink (403(b) Plan Only) What it is: Goal: What it invests in: NA A brokerage account within your retirement plan that offers the opportunity to choose investments from a range of Fidelity and non-fidelity mutual funds. This account is neither a mutual fund nor is it managed by any of the Fidelity Investments group of companies. Brokerage services are provided through Fidelity Brokerage Services LLC, a member of the New York Stock Exchange and Securities Investor Protection Corporation. To provide a broad range of mutual funds that allow you expanded choices in managing your retirement savings more actively. You alone decide how to invest the assets in your Fidelity BrokerageLink account. You can invest in a vast array of mutual funds from either Fidelity, or from Fidelity and other mutual fund companies through BrokerageLink. There are additional fees for investing in a BrokerageLink account. See your plan s fact sheet for details. Someone who is comfortable with evaluating and researching a broad universe of mutual funds, and who wants to invest part of his or her retirement savings in mutual funds through a brokerage account. Someone who wants the highest degree of variety in selecting mutual funds investments for his or her retirement savings, and who is familiar with how a brokerage account operates. With the exception of domestic equity mutual funds, investment options have been assigned to investment categories based on Fidelity s analysis. Fidelity has verified the accuracy of the placement of certain third party non-mutual funds with either the plan sponsor or the plan sponsor s consultant. Within Domestic Equities, mutual funds are listed according to their actual Morningstar categories as of January 31, 2011. Morningstar categories are based on a fund s style as measured by its underlying portfolio holdings over the past 3 years and may change at any time. These style calculations do not represent the funds objectives and do not predict the funds future styles. You are not permitted to make a direct exchange from ING Fixed Account to Fidelity BrokerageLink (considered competing funds ). Before exchanging from Guaranteed Interest Account, you must first exchange to a noncompeting fund for 90 days. While these requirements may seem restrictive, they are typically imposed by issuers such as insurance companies, banks, or other approved financial institutions, as a condition for issuing investment contracts to retirement plans. The Plan is intended to be a participant-directed Plan as described in Section 404(c) of ERISA, which means that fiduciaries of the Plan are ordinarily relieved of liability for any losses that are the direct and necessary result of investment instructions given by a participant or beneficiary. Fidelity Management & Research Company manages Fidelity mutual funds. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 480187.7.103 13