FIDELITY SAMPLE A E- FOR ILLUSTRATIVE PURPOSES ONLY RETIREMENT ANALYSIS

Jake Walter 999 Main Street Anytown, USA, 01752 This sample report, including all graphic representations and data tables, is presented for illustrative purposes only. The data used in this sample report is hypothetical; no actual customer information has been included. Any and all information provided in conjunction with this sample presentation, is intended for Plan Sponsors only, and is not for use with Plan Participants. FIDELITY RETIREMENT ANALYSIS Report prepared on July 14, 2015 for Jake Walter 4.IRE-WIDG@0094794931 SAMPLE A E- FOR ILLUSTRATIVE PURPOSES ONLY

FIDELITY Retirement Analysis 2 Dear Jake Walter; Thank you for taking the time to review your retirement plan. This report contains a summary of what you told us in the Fidelity Planning & Guidance Center and highlights what, if any, changes you explored. Based on the information you provided, you may want to consider making some changes to your plan in order for you to enjoy the retirement you've envisioned. The good news is that you're still many years away from retirement, so you have some time to improve your situation. Evaluating your plan by getting an analysis is a great first step. The important thing to remember is that time is on your side. What's next? Review the entire report carefully, paying special attention to the next steps and your action items. We recommend that you come back and revisit your analysis periodically. If something in your life changes or the markets move significantly in either direction, you might want to consider using that as a reason to conduct an additional review. If you have any questions about your plan, please don't hesitate to contact us at 1-800-420-2363. We look forward to helping you reach your retirement goals. Sincerely, Matt Borden Senior Vice President Planning and Guidance Fidelity Investments TABLE OF CONTENTS Retirement Analysis Accounts & Income Sources......... 4 Retirement Preparedness Measure (RPM)........... 5 Income Analysis.................... 6 Your Personal Information Savings Rate..................... 11 Asset Mix........................ 12 Asset Mix Details.................. 13 Time & Expenses................. 14 Monthly Expenses................. 15 Additional Analysis Asset Analysis - Lifetime View....... 17 Detailed Income Analysis........... 25 Important Information Important Information............. 31 NEXT STEPS Throughout this report, you'll find suggested next steps you can take to help improve your retirement analysis. Guidance provided by the Planning & Guidance Center Retirement Analysis (the "Tool") is educational in nature, is not individualized, and is not intended to serve as the primary basis for your investment or tax-planning decisions. NOTICE: Unsettled transactions, margin balances, and short positions affect account balances, holdings data, and analytical information presented. Please consult your account statement and any statements from the respective financial institution for accounts included in the Tool. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

RETIREMENT ANALYSIS The analysis in the following pages is based on information you provided during your most recent Fidelity Planning & Guidance Center Retirement Analysis session. It's important to remember that changes you made to your accounts during this session have not been implemented.

4 Accounts & Income Sources Accounts Assigned Account Name THETA CORP. SAVINGS-37520 Owner* Balance As of Date Jake $421,368.76 07/14/2015 ABC Corp 401k (M) Paula $75,000.00 07/14/2015 Total Value $496,368.76 Additional Income Sources Income Source Name Owner Start Age End Age Amount Frequency Survivor Benefit ABC Corp. Pension - Pension - Joint and Survivor Social Security Benefit Paula 65 -- $4,000 MONTHLY $4,000 Start Age Amount/ Frequency Jake's Retirement Benefit 67 $2,125/mo Paula's Retirement Benefit 65 $1,842/mo Account holdings and balance information shown in this report are gathered from multiple sources, as of the following dates: Fidelity-recordkept workplace savings plan accounts and Fidelity personal accounts, including Fidelity authorized accounts [denoted (AA)] are reported as of the close of business on the day preceding the date of your retirement analysis. Accounts and other income sources held outside Fidelity are reported either (i) via the Full View service [denoted (FV)] as of the last account balance refresh within that system, or (ii) as manually entered by you during a previous guidance tool interaction [denoted (M)] as of your last manual update to that data. Fidelity is not responsible for the accuracy, timeliness, or completeness of the data reflected for accounts and other income sources held outside Fidelity. For more information on the Full View service, please see the Methodology. Estimates of potential Social Security income are based on data you provided to the tool and certain assumptions, including assumptions regarding compensation. These values are estimates for purposes of this analysis only and your actual Social Security income will differ. For more information regarding Social Security estimates, please refer to the Important Information section of this document and the Methodology. In generating this analysis, Fidelity considered the account balances and income sources identified on this page. You may have other assets, including additional accounts and income sources, that were not considered in this analysis, and the value of your assets may change from day to day. You should always ensure that you consider the most up-to-date information before making any investment, tax, or retirement planning decisions. NEXT STEP Be sure that you've included all the accounts and income sources that you'll be using in retirement.

5 Retirement Preparedness Measure (RPM) Your Retirement Preparedness Measure (RPM) represents the approximate percentage of your retirement expenses you may be on track to cover, assuming an underperforming market. It's based on a range of information you provided the last time you used a Fidelity planning tool, including the accounts and income sources you assigned to your retirement plan, your savings rate, your asset mix, your retirement time horizon, and your estimated taxes and expenses as well as any hypothetical changes you may have modeled. Based on this information, your RPM score is 94 94 IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time. WHAT DOES THIS MEAN? The four designations shown can be represented as follows: Needs Attention (less than 65). Not on track to sufficiently cover all essential retirement expenses in an underperforming market. Significant adjustments to planned lifestyle likely required. Fair (65 to 80). Not on track to sufficiently cover all essential retirement expenses in an underperforming market. Modest adjustments to planned lifestyle are likely required. Good (81 to 95). On track to cover at least your estimated essential expenses, but not your discretionary expenses. Modest adjustments to plan may be necessary. On Track (higher than 95). On track to cover 95% or more of essential expenses, like health care, housing, and food, and discretionary expenses, like travel, even in an underperforming market. NEXT STEPS If you're not happy with your score, you may want to consider making adjustments to one or more aspects of your plan. You should also consider implementing any changes you modeled that can help you improve your plan. The analysis of your retirement plan is based on the hypothetical planning information you entered or confirmed index returns for either a model asset mix similar to the accounts you selected or a Target Asset Mix you selected, or certain tool assumptions, representative indexes, and market performance assumptions based on hypothetical scenarios using historical data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data you provided. Fund fees and other expenses will generally reduce your actual investment returns and are not reflected in the analysis. For more information, please refer to the Important Information section of this document and the Methodology or contact your Fidelity representative.

6 Income Analysis Assuming Underperforming Market Conditions At your expected retirement age, you may have $8,309/mo You may need $8,830/mo Potential income gap $521/mo $0 $1,766 $3,532 $5,298 $7,064 $8,830 Potential Income Gap THETA CORP SAVINGS-37520 ABC Corp 401k (M) Social Security ABC Corp. Pension You May Need Potential Gap WHAT DOES THIS MEAN? This shows a hypothetical illustration, in today's dollars, of the amount of monthly income we estimate you could potentially have in retirement. It also shows your estimated monthly expenses in retirement, allowing you to determine whether or not there may be a gap between the two. An underperforming market is defined as a scenario in which your outcome was successful 90% of the time. To learn more, review the Important Information section of this document. NEXT STEP Review the rest of the report and consider implementing any changes you modeled during your most recent session. IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time. The analysis of your retirement plan is based on the hypothetical planning information you entered or confirmed index returns for either a model asset mix similar to the accounts you selected or a Target Asset Mix you selected, or certain tool assumptions, representative indexes, and market performance assumptions based on hypothetical scenarios using historical data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data you provided. Fund fees and other expenses will generally reduce your actual investment returns and are not reflected in the analysis. For more information, please refer to the Important Information section of this document and the Methodology or contact your Fidelity representative.

7 Income Analysis Assuming Underperforming Market Conditions Underperforming Market Estimated Total With Changes: $8,309 Estimated Total Without Changes: $8,031 Net Estimated Change: $278 Income Source With Changes Withdrawals from Savings $2,700 THETA CORP. SAVINGS-37520 $2,055 ABC Corp 401k (M) $645 Additional Income Sources $2,331 ABC Corp. Pension $2,331 Social Security $3,278 John's Social Security $1,694 Jane's Social Security $1,584 Estimated Total With Changes: $8,309 IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time. The analysis of your retirement plan is based on the hypothetical planning information you entered or confirmed index returns for either a model asset mix similar to the accounts you selected or a Target Asset Mix you selected, or certain tool assumptions, representative indexes, and market performance assumptions based on hypothetical scenarios using historical data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data you provided. Fund fees and other expenses will generally reduce your actual investment returns and are not reflected in the analysis. For more information, please refer to the Important Information section of this document and the Methodology or contact your Fidelity representative.

8 Income Analysis Assuming Average Market Conditions At your expected retirement age, you may have $12,339/mo You may need $8,830/mo Potential surplus $3,509/mo $0 $2,468 $4,936 $7,403 $9,871 $12,339 Social Security ABC Corp. Pension THETA CORP. SAVINGS-37520 ABC Corp 401k (M) You May Need Potential Surplus WHAT DOES THIS MEAN? This shows a hypothetical illustration, in today's dollars, of the amount of monthly income we estimate you could potentially have in retirement. It also shows your estimated monthly expenses in retirement, allowing you to determine whether or not there may be a gap between the two. An average market is defined as a scenario in which your outcome was successful 50% of the time. Fidelity encourages planning that assumes an underperforming market so as to err on the side of a more conservative estimation of future market performance. If you are within 10 years of retirement or retired, see your Risk Assessment for more information. To learn more, review the Important Information section of this document. NEXT STEP Review the rest of the report and consider implementing any changes you modeled during your most recent session. IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time. The analysis of your retirement plan is based on the hypothetical planning information you entered or confirmed index returns for either a model asset mix similar to the accounts you selected or a Target Asset Mix you selected, or certain tool assumptions, representative indexes, and market performance assumptions based on hypothetical scenarios using historical data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data you provided. Fund fees and other expenses will generally reduce your actual investment returns and are not reflected in the analysis. For more information, please refer to the Important Information section of this document and the Methodology or contact your Fidelity representative.

9 Income Analysis Assuming Average Market Conditions Average Market Estimated Total With Changes: $12,339 Estimated Total Without Changes: $9,230 Net Estimated Change: $3,109 Income Source With Changes Withdrawals from Savings $6,784 THETA CORP. SAVINGS-37520 $5,300 ABC Corp 401k (M) $1,484 Additional Income Sources $2,360 ABC Corp. Pension $2,360 Social Security $3,195 John's Social Security $1,591 Jane's Social Security $1,604 Estimated Total With Changes $12,339 IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time. The analysis of your retirement plan is based on the hypothetical planning information you entered or confirmed index returns for either a model asset mix similar to the accounts you selected or a Target Asset Mix you selected, or certain tool assumptions, representative indexes, and market performance assumptions based on hypothetical scenarios using historical data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data you provided. Fund fees and other expenses will generally reduce your actual investment returns and are not reflected in the analysis. For more information, please refer to the Important Information section of this document and the Methodology or contact your Fidelity representative.

YOUR PLANNING INFORMATION The following pages contain information that you provided or confirmed in your most recent Fidelity Planning & Guidance Center session. It includes information about you, your expenses, the amount you save, and the way your assets are invested. Some of this information may have been changed by you during your most recent session. If you're satisfied with this analysis, we suggest you consider taking action on the changes you explored that you believe have improved your analysis.

11 Savings Rate The chart below reflects the savings rate information on which your analysis is based. The figures shown here may reflect your actual contribution amounts, or contribution amounts you have modeled. Acount Name Your Amount Employer Amount Savings Rate THETA CORP. SAVINGS-37520 *7520 ABC CORP 401K (M) **8717 Total: $18,700/yr (10.0%) $8,000/yr $5,000/yr $3,200/yr Pre-Tax (10.0%) $8,000 $2,500/yr Pre-Tax Catchup (0.0%) $0 Employer Contributions (4.0%) $3,200 Employer Match Tier 1 : PRE_TAX 0.0% of 0.0% $0 WHAT DOES THIS MEAN? The contribution rates shown here represent what was used to generate your retirement analysis. If you modeled changes to the contribution rates in the on-line experience, those are reflected here. However, any changes you modeled have not been implemented in the actual accounts. You must make those yourself. NEXT STEP The account(s) to which you've made changes are highlighted. If you're happy with your analysis and believe that these changes have made an impact, you may wish to consider implementing them. You may also want to consider making changes to any accounts that are not highlighted. The analysis only includes accounts assigned to your retirement plan. Fidelity is not able to verify the accuracy, timeliness or completeness of information regarding accounts accessible via the Full View service [denoted (FV) ] or that you manually enter in the Planning & Guidance Center (the "Tool") [denoted (M) ] or other guidance tool interactions. Fidelity authorized accounts [denoted (AA)] may be included above. You should always confirm the current valuation of your holdings prior to making any financial decision. Information regarding accounts that hold positions in foreign currency from your outside accounts is not available in the Tool, but may be available via the Full View service.

12 Asset Mix Your retirement plan analysis included in this report is based on the Aggressive Growth Target Asset Mix you selected during your planning session, which may be appropriate for investors who seek aggressive growth and who can tolerate wide fluctuations in market values, especially over the short term. By comparison, the current asset mix of the accounts assigned to your plan appears to resemble a Conservative asset mix, which may be appropriate for investors who want to reduce fluctuations in market values by taking an income-oriented approach with some potential for capital appreciation. Current Asset Mix Title Selected Asset Mix Title Aggressive Growth Current Asset Mix Variance Selected Asset Mix Domestic Stock 23% 37% 60% Foreign Stock 3% 22% 25% Bonds 3% 12% 15% Short-Term 18% -18% 0% Unknown 53% -53% 0% Other 0% 0% 0% WHAT DOES THIS MEAN? This shows a comparison between the current allocation of the holdings in the account(s) assigned to your plan and the model Target Asset Mix you selected during your planning session. Although your analysis is based on the Aggressive Growth Target Asset Mix, modeling a change during a planning session does not make any changes to any of the accounts assigned to your plan. You would have to make those changes yourself. NEXT STEP If your selected Target Asset Mix more closely aligns with your investment objectives, risk tolerance, and preferences, you may want to consider implementing this change and assigning the Target Asset Mix to the accounts assigned to your plan. Return to the Planning & Guidance Center to review the way you're invested for this goal or contact a Fidelity representative. In assessing asset mix, the Tool sorts the holdings in your selected accounts among several major asset classes, including domestic stocks and foreign stocks (equities), bonds (fixed income), short-term securities (cash, cash equivalents, CDs, money market funds, etc.), other, and unknown. Underlying investments held in a mutual fund or other pooled investment vehicle are considered individually. If holdings are identified as "Unknown" or "Other," the equity, fixed income, and short-term allocations are proportionally adjusted to create a normalized mix percentage adding up to 100% in your retirement plan analysis. If a large percentage is identified as Unknown or Other, your asset mix assessment may not accurately reflect the current risks inherent in your selected accounts. Please confirm that your asset mix aligns with your investment objectives, risk tolerance, and preferences. For more information, please refer to the Important Information section of this document and the Methodology.

13 Asset Mix Details This table shows your current asset mix for each of the accounts assigned to your plan. Account Name Account Balance Domestic Stock Foreign Stock Bonds Short-Term Unknown Other ABC Corp 401k (M) **8717 THETA CORP. SAVINGS-37520 *7520 Denotes a managed account Denotes an account with a high percentage of "Unknown" and "Other" $75,000.00 60% 20% 20% 0% 0% 0% $421,368.76 17% 0% 0% 21% 63% 0% In assessing asset mix, the Tool sorts the holdings in your selected accounts among several major asset classes, including domestic stocks and foreign stocks (equities), bonds (fixed income), short-term securities (cash, cash equivalents, CDs, money market funds, etc.), other, and unknown. Underlying investments held in a mutual fund or other pooled investment vehicle are considered individually. If holdings are identified as "Unknown" or "Other," the equity, fixed income, and short-term allocations are proportionally adjusted to create a normalized mix percentage adding up to 100% in your retirement plan analysis. If a large percentage is identified as Unknown or Other, your asset mix assessment may not accurately reflect the current risks inherent in your selected accounts. Please confirm that your asset mix aligns with your investment objectives, risk tolerance, and preferences. For more information, please refer to the Important Information section of this document and the Methodology.

14 Time & Expenses Below is a summary of the information you provided during your most recent planning session. You may change any of this by returning to the Planning & Guidance Center. Planning Information Name Date of Birth Retirement Age Plan-To Age Gender Retirement Status Base Salary Bonus Commissions Jake 02/12/1963 65 94 Male Not Yet Retired $80,000/yr $5,000/yr $0 Paula 01/1963 65 94 Female Not Yet Retired $80,000/yr $0 $0 Estimated Retirement Expenses Description Essential Discretionary Medigap or other supplemental health care insurance included? Long-term care insurance included? Detailed expenses - see next page Amount $3,150/mo $3,375/mo Yes No Estimated Taxes Category Effective Federal Tax Rate 14.00% Effective State Tax Rate 5.00% Effective Local Tax Rate 0.00% Total Effective Tax Rate* 19.00% Filing Status State of Primary Residence -- Married Filing Jointly *Effective tax rate is estimated using the information you provided, including your state of residence, filing status, and estimated income (including taxable withdrawals from retirement savings used to help meet expenses). Typically, your effective rate is lower than your marginal rate (often referred to as your "tax bracket"). Spouse/Planning Partner Assumptions: If you plan with a spouse/planning partner, the online retirement planning experience assumes that you are eligible to file your federal tax return together as "Married, Filing Jointly". It also assumes that you both qualify for certain Social Security benefits, transfer tax marital deductions, and other benefits to which only individuals qualifying as "spouses" under federal tax or other law may be entitled. If these assumptions do not accurately reflect your situation, the online retirement planning experience results may not be appropriate for you. You can add/update your federal tax filing status through the Income page in the online experience. For more detail on the time and expenses data, please refer to the Important Information section of this document and the Methodology. WHAT DOES THIS MEAN? This page displays information pertaining to your salary, time horizon, retirement expenses, and taxes that you provided during your most recent planning session. Please review everything for accuracy and to make sure that any changes you made during your most recent planning session are accurately reflected here. The information you provide here is hypothetical in nature and may be different from other information you have provided to Fidelity in the past. For questions, or to reconcile this information, please contact Fidelity. NEXT STEP If you'd like to improve your retirement analysis, consider changing some of the information shown here. Even if you're satisfied with your analysis, we suggest you revisit this information frequently and verify its accuracy. If you are within 10 years of retirement or retired, see your Risk Assessment and compare the information you provided to your estimated expenses to make sure you didn't miss anything. Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation.

15 Monthly Expenses Housing (Primary Res.) Homeowner's Insurance $0 Household Improvement and Maintenance $0 Mortgage $0 Property Taxes $0 Rent / Condo fees $1,600 1 Other $0 Subtotal - Housing (Primary Res.) $1,600 Utilities Electric $150 1 Oil / Gas $150 1 Telephone / Cable / Internet Fees $75 1 Water / Sewer $75 1 Other $0 Subtotal - Utilities $450 Personal Clothing $50 Groceries $400 1 Laundry / Dry Cleaning $50 Personal Care (Health and Beauty Aids) $25 Other $0 Subtotal - Personal $525 Health Care & Insurance Dental, Vision, and Hearing $0 Medical Insurance $0 Medicare Premiums and Expenses $500 1 Denotes Essential Expense 2 Denotes Variable Expense Note: For additional information about this assessment, refer to the Methodology. Medicare Supplemental (Medigap) Premiums $500 Other (e.g., Out-of-Pocket Prescription Costs) $0 Long-Term Care Insurance Premiums $200 Disability Insurance $0 Life Insurance Premiums $0 Subtotal - Health Care & Insurance $1,200 Family Care Support of Children or Grandchildren $200 Other Obligations $0 Support of Parents $0 Subtotal - Family Care $200 Routine Transportation Auto Loan or Lease Payment $400 1 Excise Tax / Registration Fees $50 Gasoline $100 1 Insurance $200 1 Routine Maintenance $200 Other Commuting Expenses $0 Subtotal - Routine Transportation $950 Recreation Club Membership $150 Hobbies $50 Travel and Vacation $500 Other $0 Subtotal - Recreation $700 Entertainment Dining Out $200 Movies / Theatre / Sporting Events $50 Other $0 Subtotal - Entertainment $250 Charitable Donations Charitable Donations $200 Subtotal - Charitable Donations $200 Gifts Gifts $50 Subtotal - Gifts $50 Miscellaneous / Other Miscellaneous / Other $0 Subtotal - Miscellaneous / Other $0 Custom Expenses Boat mooring $200 Boat fuel $200 Expense 3 $0 Expense 4 $0 Expense 5 $0 Expense 6 $0 Subtotal - Custom Expenses $400 Total Essential Expenses $3,150 Total Discretionary Expenses $3,375 Total Expenses $6,525

ADDITIONAL ANALYSIS The following pages contain additional analysis that allow you to evaluate different aspects of your retirement plan.

17 Asset Analysis - Lifetime View Assuming Underperforming Market Conditions $779,792 $623,834 $467,875 $311,917 $155,958 $0 At your expected retirement age, you may have $751,235 2015 2028 (Retirement) Your potential shortfall year 2056 Potential Assets Modeled Increase John's End of Plan Jane's End of Plan Shortfall 2057 (End of Plan) 2056 (Shortfall) WHAT DOES THIS MEAN? This graph and accompanying table show a hypothetical illustration, in today's dollars, of how the value of the accounts assigned to your retirement plan could potentially fluctuate over time as you save for and withdraw money to meet your retirement expenses, based on your current asset mix and information you modeled in the tool. It also shows an estimate of the assets you may have at the age you told us you expect to retire, as well as your planning age. This view shows asset values for your plan from now until your planning age or your partner's planning age (if you're planning with a partner), whichever falls last. An underperforming market is defined as a scenario in which your outcome was successful 90% of the time. To learn more, review the Important Information section of this document. NEXT STEP Review the rest of the report and consider implementing any changes you modeled during your most recent session. IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time. The analysis of your retirement plan is based on the hypothetical planning information you entered or confirmed index returns for either a model asset mix similar to the accounts you selected or a Target Asset Mix you selected, or certain tool assumptions, representative indexes, and market performance assumptions based on hypothetical scenarios using historical data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data you provided. Fund fees and other expenses will generally reduce your actual investment returns and are not reflected in the analysis. For more information, please refer to the Important Information section of this document and the Methodology or contact your Fidelity representative.

18 Asset Analysis - Lifetime View Assuming Underperforming Market Conditions Underperforming Market Year Without Changes With Changes Potential Difference 2015 $389,945 $438,392 $48,447 2016 $393,253 $447,947 $54,694 2017 $394,221 $451,176 $56,955 2018 $396,329 $456,095 $59,766 2019 $407,442 $489,079 $81,637 2020 $412,810 $502,152 $89,342 2021 $423,913 $511,879 $87,966 2022 $437,627 $571,390 $133,763 2023 $460,006 $626,438 $166,432 2024 $474,157 $671,011 $196,854 2025 $482,416 $683,388 $200,972 2026 $493,918 $702,642 $208,724 2027 $526,896 $779,792 $252,896 2028 $573,597 $751,235 $177,638 2029 $625,792 $700,031 $74,239 2030 $625,804 $688,693 $62,889 2031 $605,903 $658,619 $52,716 2032 $595,152 $636,691 $41,539 2033 $605,990 $668,079 $62,089 2034 $594,248 $675,494 $81,246

19 Asset Analysis - Lifetime View (continued) Assuming Underperforming Market Conditions Underperforming Market Year Without Changes With Changes Potential Difference 2035 $598,071 $695,184 $97,113 2036 $587,435 $653,611 $66,176 2037 $587,298 $636,320 $49,022 2038 $562,849 $664,026 $101,177 2039 $541,283 $625,297 $84,014 2040 $513,618 $582,797 $69,179 2041 $500,080 $611,141 $111,061 2042 $469,580 $576,543 $106,963 2043 $428,828 $524,243 $95,415 2044 $400,080 $462,845 $62,765 2045 $369,858 $426,513 $56,655 2046 $332,968 $434,175 $101,207 2047 $305,218 $428,901 $123,683 2048 $267,361 $397,620 $130,259 2049 $221,745 $360,422 $138,677 2050 $181,906 $292,484 $110,578 2051 $123,875 $269,080 $145,205 2052 $63,926 $235,692 $171,766 2053 $0 $167,021 $167,021 2054 $0 $86,996 $86,996

20 Asset Analysis - Lifetime View (continued) Assuming Underperforming Market Conditions Underperforming Market Year Without Changes With Changes Potential Difference 2055 $0 $18,786 $18,786 2056 $0 $0 N/A 2057 $0 $0 N/A IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time. The analysis of your retirement plan is based on the hypothetical planning information you entered or confirmed index returns for either a model asset mix similar to the accounts you selected or a Target Asset Mix you selected, or certain tool assumptions, representative indexes, and market performance assumptions based on hypothetical scenarios using historical data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data you provided. Fund fees and other expenses will generally reduce your actual investment returns and are not reflected in the analysis. For more information, please refer to the Important Information section of this document and the Methodology or contact your Fidelity representative.

21 Asset Analysis - Lifetime View Assuming Average Market Conditions $3,629,901 $2,903,921 $2,177,941 $1,451,960 $725,980 $0 At your expected retirement age, you may have $1,451,251 2015 2028 (Retirement) Assets at end of plan $3,629,901 Potential Assets Modeled Increase John's End of Plan Jane's End of Plan 2057 (End of Plan) IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time. WHAT DOES THIS MEAN? This graph and accompanying table show a hypothetical illustration, in today's dollars, of how the value of the accounts assigned to your retirement plan could potentially fluctuate over time as you save for and withdraw money to meet your retirement expenses, based on your current asset mix and information you modeled in the tool. It also shows an estimate of the assets you may have at the age you told us you expect to retire, as well as your planning age. This view shows asset values for your plan from now until your planning age or your partner's planning age (if you're planning with a partner), whichever falls last. An average market is defined as a scenario in which your outcome was successful 50% of the time. Fidelity encourages planning that assumes an underperforming market so as to err on the side of a more conservative estimation of future market performance. If you are within 10 years of retirement or retired, see your Risk Assessment for more information. To learn more, review the Important Information section of this document. NEXT STEP Review the rest of the report and consider implementing any changes you modeled during your most recent session. The analysis of your retirement plan is based on the hypothetical planning information you entered or confirmed index returns for either a model asset mix similar to the accounts you selected or a Target Asset Mix you selected, or certain tool assumptions, representative indexes, and market performance assumptions based on hypothetical scenarios using historical data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data you provided. Fund fees and other expenses will generally reduce your actual investment returns and are not reflected in the analysis. For more information, please refer to the Important Information section of this document and the Methodology or contact your Fidelity representative.

22 Asset Analysis - Lifetime View Assuming Average Market Conditions Average Market Year Without Changes With Changes Potential Difference 2015 $438,407 $541,352 $102,945 2016 $453,407 $586,906 $133,499 2017 $479,687 $636,775 $157,088 2018 $496,592 $688,572 $191,980 2019 $529,829 $769,385 $239,556 2020 $560,412 $851,786 $291,374 2021 $589,557 $943,879 $354,322 2022 $615,400 $1,009,572 $394,172 2023 $635,970 $1,073,668 $437,698 2024 $652,758 $1,124,979 $472,221 2025 $685,026 $1,233,435 $548,409 2026 $713,548 $1,294,576 $581,028 2027 $735,916 $1,404,708 $668,792 2028 $810,877 $1,451,251 $640,374 2029 $902,328 $1,471,711 $569,383 2030 $924,619 $1,599,448 $674,829 2031 $949,124 $1,688,627 $739,503 2032 $969,240 $1,754,998 $785,758 2033 $967,397 $1,772,252 $804,855 2034 $977,866 $1,900,338 $922,472

23 Asset Analysis - Lifetime View (continued) Assuming Average Market Conditions Average Market Year Without Changes With Changes Potential Difference 2035 $1,001,581 $1,966,139 $964,558 2036 $998,624 $2,052,731 $1,054,107 2037 $1,033,509 $2,130,549 $1,097,040 2038 $1,033,896 $2,318,782 $1,284,886 2039 $1,027,496 $2,303,408 $1,275,912 2040 $1,052,045 $2,529,605 $1,477,560 2041 $1,042,509 $2,599,345 $1,556,836 2042 $1,045,499 $2,711,687 $1,666,188 2043 $1,028,804 $2,718,193 $1,689,389 2044 $1,041,144 $2,900,824 $1,859,680 2045 $1,058,510 $3,014,443 $1,955,933 2046 $1,028,251 $3,050,782 $2,022,531 2047 $976,941 $2,925,105 $1,948,164 2048 $933,435 $3,086,672 $2,153,237 2049 $942,739 $3,288,020 $2,345,281 2050 $881,136 $2,969,664 $2,088,528 2051 $849,622 $2,931,430 $2,081,808 2052 $786,852 $3,158,089 $2,371,237 2053 $771,705 $3,457,816 $2,686,111 2054 $722,851 $3,382,708 $2,659,857

24 Asset Analysis - Lifetime View (continued) Assuming Average Market Conditions Average Market Year Without Changes With Changes Potential Difference 2055 $723,566 $3,360,137 $2,636,571 2056 $624,276 $3,536,802 $2,912,526 2057 $577,411 $3,629,901 $3,052,490 IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time. The analysis of your retirement plan is based on the hypothetical planning information you entered or confirmed index returns for either a model asset mix similar to the accounts you selected or a Target Asset Mix you selected, or certain tool assumptions, representative indexes, and market performance assumptions based on hypothetical scenarios using historical data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data you provided. Fund fees and other expenses will generally reduce your actual investment returns and are not reflected in the analysis. For more information, please refer to the Important Information section of this document and the Methodology or contact your Fidelity representative.

25 Detailed Income Analysis Assuming Underperforming Market Conditions $153,286 $127,738 $102,191 $76,643 $51,095 $25,548 $0 2028 Your income could potentially last for 28 years 2031 2034 Your potential shortfall year 2056 2037 Withdrawals from Assets Potential Income Gap Lifetime Income 2040 Estimated Essential Expenses Total Expenses John's End of Plan Jane's End of Plan 2043 2046 2049 2052 2055 Shortfall IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time. WHAT DOES THIS MEAN? This shows a hypothetical illustration, in today's dollars, of how the income we estimated you may have in retirement compares to your estimated expenses. Income is broken down by source, while expenses are divided into two categories: essential expenses and discretionary expenses. This chart also shows at what age we estimate you could potentially experience a shortfall, and, if applicable, any potential surplus you may have. An underperforming market is defined as a scenario in which your outcome was successful 90% of the time. To learn more, review the Important Information section of this document. NEXT STEP Review the rest of the report and consider whether you want to implement any changes you modeled during your most recent session. The analysis of your retirement plan is based on the hypothetical planning information you entered or confirmed index returns for either a model asset mix similar to the accounts you selected or a Target Asset Mix you selected, or certain tool assumptions, representative indexes, and market performance assumptions based on hypothetical scenarios using historical data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data you provided. Fund fees and other expenses will generally reduce your actual investment returns and are not reflected in the analysis. For more information, please refer to the Important Information section of this document and the Methodology or contact your Fidelity representative.

26 Detailed Income Analysis Assuming Underperforming Market Conditions The table below estimates the sources and amounts of income we estimate you'll receive over the course of your retirement. Year Your Age Jane's Age Beginning Savings Expenses Income Sources Withdrawals Total Expenses Earned Income Pension Social Security Annuity Income Other Income Total Estimated Income Minimum Required Distributions Withdrawals from Savings % of Savings Withdrawn 2028 65 65 $779,792 $105,916 $0 $34,820 $22,104 $0 $0 $56,924 $0 $48,991 6.28% $751,235 $0 2029 66 66 $751,235 $106,843 $0 $34,820 $22,104 $0 $0 $56,924 $0 $49,919 6.64% $700,031 $0 2030 67 67 $700,031 $106,031 $0 $34,820 $47,604 $0 $0 $82,424 $0 $23,606 3.37% $688,693 $0 2031 68 68 $688,693 $107,070 $0 $34,820 $47,604 $0 $0 $82,424 $0 $24,646 3.57% $658,619 $0 2032 69 69 $658,619 $108,168 $0 $34,820 $47,604 $0 $0 $82,424 $0 $25,744 3.90% $636,691 $0 2033 70 70 $636,691 $109,339 $0 $34,820 $47,604 $0 $0 $82,424 $23,693 $26,915 4.22% $668,079 $0 2034 71 71 $668,079 $110,679 $0 $34,820 $47,604 $0 $0 $82,424 $24,909 $28,255 4.22% $675,494 $0 2035 72 72 $675,494 $111,959 $0 $34,820 $47,604 $0 $0 $82,424 $26,221 $29,535 4.37% $695,184 $0 2036 73 73 $695,184 $113,247 $0 $34,820 $47,604 $0 $0 $82,424 $27,938 $30,823 4.43% $653,611 $0 2037 74 74 $653,611 $114,438 $0 $34,820 $47,604 $0 $0 $82,424 $27,320 $32,013 4.89% $636,320 $0 2038 75 75 $636,320 $116,081 $0 $34,820 $47,604 $0 $0 $82,424 $28,026 $33,657 5.28% $664,026 $0 2039 76 76 $664,026 $117,792 $0 $34,820 $47,604 $0 $0 $82,424 $30,469 $35,368 5.32% $625,297 $0 2040 77 77 $625,297 $118,983 $0 $34,820 $47,604 $0 $0 $82,424 $28,876 $36,559 5.84% $582,797 $0 2041 78 78 $582,797 $120,797 $0 $34,820 $47,604 $0 $0 $82,424 $29,220 $38,372 6.58% $611,141 $0 2042 79 79 $611,141 $121,943 $0 $34,820 $47,604 $0 $0 $82,424 $30,717 $39,519 6.46% $576,543 $0 2043 80 80 $576,543 $124,679 $0 $34,820 $47,604 $0 $0 $82,424 $31,389 $42,255 7.32% $524,243 $0 2044 81 81 $524,243 $126,916 $0 $34,820 $47,604 $0 $0 $82,424 $30,157 $44,492 8.48% $462,845 $0 2045 82 82 $462,845 $129,036 $0 $34,820 $47,604 $0 $0 $82,424 $28,516 $46,612 10.07% $426,513 $0 2046 83 83 $426,513 $130,782 $0 $34,820 $47,604 $0 $0 $82,424 $26,520 $48,358 11.33% $434,175 $0 2047 84 84 $434,175 $133,587 $0 $34,820 $47,604 $0 $0 $82,424 $28,380 $51,163 11.78% $428,901 $0 Ending Savings Shortfall

27 Detailed Income Analysis (continued) Assuming Underperforming Market Conditions Year Your Age Jane's Age Beginning Savings Expenses Income Sources Withdrawals Total Expenses Earned Income Pension Social Security Annuity Income Other Income Total Estimated Income Minimum Required Distributions Withdrawals from Savings % of Savings Withdrawn 2048 85 85 $428,901 $136,028 $0 $34,820 $47,604 $0 $0 $82,424 $26,592 $53,604 12.49% $397,620 $0 2049 86 86 $397,620 $138,585 $0 $34,820 $47,604 $0 $0 $82,424 $28,206 $56,161 14.12% $360,422 $0 2050 87 87 $360,422 $141,263 $0 $34,820 $47,604 $0 $0 $82,424 $23,407 $58,839 16.32% $292,484 $0 2051 88 88 $292,484 $144,067 $0 $34,820 $47,604 $0 $0 $82,424 $22,669 $61,643 21.07% $269,080 $0 2052 89 89 $269,080 $147,003 $0 $34,820 $47,604 $0 $0 $82,424 $19,403 $64,579 23.99% $235,692 $0 2053 90 90 $235,692 $150,075 $0 $34,820 $47,604 $0 $0 $82,424 $13,771 $67,651 28.70% $167,021 $0 2054 91 91 $167,021 $153,286 $0 $34,820 $47,604 $0 $0 $82,424 $9,395 $70,861 42.42% $86,996 $0 2055 92 92 $86,996 $152,428 $0 $34,820 $47,604 $0 $0 $82,424 $7,634 $70,004 80.46% $18,786 $0 2056 93 93 $18,786 $150,997 $0 $34,820 $47,604 $0 $0 $82,424 $1,957 $19,821 105.51% $0 $48,751 2057 94 94 $0 $150,335 $0 $34,820 $47,604 $0 $0 $82,424 $0 $0 0.00% $0 $67,911 Ending Savings Shortfall IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time. The analysis of your retirement plan is based on the hypothetical planning information you entered or confirmed index returns for either a model asset mix similar to the accounts you selected or a Target Asset Mix you selected, or certain tool assumptions, representative indexes, and market performance assumptions based on hypothetical scenarios using historical data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data you provided. Fund fees and other expenses will generally reduce your actual investment returns and are not reflected in the analysis. For more information, please refer to the Important Information section of this document and the Methodology or contact your Fidelity representative.

28 Detailed Income Analysis Assuming Average Market Conditions $290,188 $241,823 $193,459 $145,094 $96,729 $48,365 $0 2028 Your income could potentially last 30 years 2031 2034 Assets at end of plan $3,629,901 2037 Withdrawals from Assets Potential Income Gap Lifetime Income 2040 Estimated Essential Expenses Total Expenses John's End of Plan Jane's End of Plan 2043 2046 IMPORTANT: The projections or other information generated by the Tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time. 2049 2052 2055 WHAT DOES THIS MEAN? This shows a hypothetical illustration, in today's dollars, of how the income we estimated you may have in retirement compares to your estimated expenses. Income is broken down by source, while expenses are divided into two categories: essential expenses and discretionary expenses. This chart also shows at what age we estimate you could potentially experience a shortfall, and, if applicable, any potential surplus you may have. An average market is defined as a scenario in which your outcome was successful 50% of the time. Fidelity encourages planning that assumes an underperforming market so as to err on the side of a more conservative estimation of future market performance. If you are within 10 years of retirement or retired, see your Risk Assessment for more information. To learn more, review the Important Information section of this document. NEXT STEP Review the rest of the report and consider whether you want to implement any changes you modeled during your most recent session. The analysis of your retirement plan is based on the hypothetical planning information you entered or confirmed index returns for either a model asset mix similar to the accounts you selected or a Target Asset Mix you selected, or certain tool assumptions, representative indexes, and market performance assumptions based on hypothetical scenarios using historical data. Numerous factors make the calculations uncertain, such as the use of assumptions about historical returns and inflation, as well as the data you provided. Fund fees and other expenses will generally reduce your actual investment returns and are not reflected in the analysis. For more information, please refer to the Important Information section of this document and the Methodology or contact your Fidelity representative.

29 Detailed Income Analysis Assuming Average Market Conditions The table below estimates the sources and amounts of income we estimate you'll receive over the course of your retirement. Year Your Age Jane's Age Beginning Savings Expenses Income Sources Withdrawals Total Expenses Earned Income Pension Social Security Annuity Income Other Income Total Estimated Income Minimum Required Distributions Withdrawals from Savings % of Savings Withdrawn 2028 65 65 $1,404,708 $105,915 $0 $34,820 $22,104 $0 $0 $56,924 $0 $48,991 3.48% $1,451,251 $0 2029 66 66 $1,451,251 $106,843 $0 $34,820 $22,104 $0 $0 $56,924 $0 $49,919 3.43% $1,471,711 $0 2030 67 67 $1,471,711 $106,031 $0 $34,820 $47,604 $0 $0 $82,424 $0 $23,606 1.60% $1,599,448 $0 2031 68 68 $1,599,448 $107,070 $0 $34,820 $47,604 $0 $0 $82,424 $0 $24,646 1.54% $1,688,627 $0 2032 69 69 $1,688,627 $108,168 $0 $34,820 $47,604 $0 $0 $82,424 $0 $25,744 1.52% $1,754,998 $0 2033 70 70 $1,754,998 $117,143 $0 $34,820 $47,604 $0 $0 $82,424 $63,063 $34,719 1.97% $1,772,252 $0 2034 71 71 $1,772,252 $117,533 $0 $34,820 $47,604 $0 $0 $82,424 $66,366 $35,109 1.98% $1,900,338 $0 2035 72 72 $1,900,338 $120,862 $0 $34,820 $47,604 $0 $0 $82,424 $71,343 $38,438 2.02% $1,966,139 $0 2036 73 73 $1,966,139 $124,020 $0 $34,820 $47,604 $0 $0 $82,424 $75,965 $41,596 2.11% $2,052,731 $0 2037 74 74 $2,052,731 $124,540 $0 $34,820 $47,604 $0 $0 $82,424 $80,288 $42,116 2.05% $2,130,549 $0 2038 75 75 $2,130,549 $128,632 $0 $34,820 $47,604 $0 $0 $82,424 $84,636 $46,208 2.16% $2,318,782 $0 2039 76 76 $2,318,782 $129,452 $0 $34,820 $47,604 $0 $0 $82,424 $91,358 $47,028 2.02% $2,303,408 $0 2040 77 77 $2,303,408 $132,653 $0 $34,820 $47,604 $0 $0 $82,424 $94,123 $50,228 2.18% $2,529,605 $0 2041 78 78 $2,529,605 $135,128 $0 $34,820 $47,604 $0 $0 $82,424 $103,834 $52,704 2.08% $2,599,345 $0 2042 79 79 $2,599,345 $143,090 $0 $34,820 $47,604 $0 $0 $82,424 $109,954 $60,666 2.33% $2,711,687 $0 2043 80 80 $2,711,687 $144,437 $0 $34,820 $47,604 $0 $0 $82,424 $114,702 $62,013 2.28% $2,718,193 $0 2044 81 81 $2,718,193 $150,865 $0 $34,820 $47,604 $0 $0 $82,424 $120,766 $68,441 2.51% $2,900,824 $0 2045 82 82 $2,900,824 $153,739 $0 $34,820 $47,604 $0 $0 $82,424 $128,826 $71,315 2.45% $3,014,443 $0 2046 83 83 $3,014,443 $158,273 $0 $34,820 $47,604 $0 $0 $82,424 $135,611 $75,849 2.51% $3,050,782 $0 2047 84 84 $3,050,782 $157,564 $0 $34,820 $47,604 $0 $0 $82,424 $138,039 $75,139 2.46% $2,925,105 $0 Ending Savings Shortfall