FELITY INVESTMENTS (R) MUTUAL FUNDS PERFORMANCE REPORT PERFORMANCE UPDATE AS OF DECEMBER 1, 2017 UNDERSTANDING INVESTMENT PERFORMANCE As you review this update, please remember that the performance data stated represents past performance, which does not guarantee future results. Investment return and principal value of an investment will fluctuate; therefore, you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance stated. To learn more or to obtain the most recent month-end performance, call Fidelity at 1-800-4-0860 or visit www.mysavingsatwork.com (log in, choose plan, select "Investment Choices & Research," and then pick investment option). Month YTD 1 5 TARGET DATE JTTIX JNSIX JSMIX SRJIX SMTIX JSAIX JTSIX JFFIX JAKIX JPMorgan SmartRetirement 2020 Class R5 JPMorgan SmartRetirement 2025 Class R5 JPMorgan SmartRetirement 200 Class R5 JPMorgan SmartRetirement 205 Class R5 JPMorgan SmartRetirement 2040 Class R5 JPMorgan SmartRetirement 2045 Class R5 JPMorgan SmartRetirement 2050 Class R5 JPMorgan SmartRetirement 2055 Class R5 JPMorgan SmartRetirement 2060 Class R5.2 1.96 1.96 6.18 7.81 5.79 6.2 5/15/06 n/a 0.570.86 16.2 16.2 6.9 8.99 6.19 6.20 7/1/07 n/a 0.570 4.54 18.88 18.88 7.59 9.98 6.40 7.02 5/15/06 n/a 0.600 4.9 20.42 20.42 8.09.71 6.75 6.72 7/1/07 n/a 0.600 5.25 21.8 21.8 8.56 11.17 6.95 7.50 5/15/06 n/a 0.6 5.0 22.05 22.05 8.65 11.22 7.16 7.08 7/1/07 n/a 0.6 5.9 22.08 22.08 8.65 11.21 7.16 7.09 7/1/07 n/a 0.6 5.2 22.01 22.01 8.64 11.24 n/a 11.46 1/1/12 n/a 0.640 5.28 21.9 21.9 n/a n/a n/a 17.61 8/1/16 n/a.180 JSIIX JPMorgan SmartRetirement Income Class 2.6 11.11 11.11 5.00 5.61 5.12 5.44 5/15/06 n/a 0.550 R5 MONEY MARKET - GOVERNMENT FZCXX Fidelity Government Money Market - Premium Class 1,2,20 7-Day Yield % as of 12/1/2017: 1.01 FIXED ANNUITY 0.21 0.61 0.61 0.25 0.15 0.4 2.8 2/05/90 n/a 0.70 98068 MetLife Fixed Account,21 2.66% Rate Period: 1/01/18-12/1/18 BOND - DIVERSIFIED FSITX Fidelity U.S. Bond Index - Premium Class 4,22 0.5.47.47 2.18 2.01.82 6.02 /08/90 n/a 0.045 MWTSX Metropolitan West Total Return Bond Plan 0.9.49.49 2.09 2.56 5.50 6. /1/97 n/a 0.80 Class 5,22 The current yield reflects the current earnings of the fund, while the total return refers to a specific past holding period. 1
AS OF DECEMBER 1, 2017 BALANCED/HYBR Month YTD 1 5 FBAKX Fidelity Balanced - Class K 6,18.64 16.60 16.60 7.87.85 6.82 9.8 11/06/86 n/a 0.460 DOMESTIC EQUITIES - LARGE VALUE MEIKX MFS Value Class R6 7,8,18 5.0 17.86 17.86.27 15.07 7.85.62 1/02/96 n/a 0.490 DOMESTIC EQUITIES - M VALUE AMDVX American Century Mid Cap Value R6 Class 9,18,2 DOMESTIC EQUITIES - SMALL VALUE 4.71 11.96 11.96.86 15.68.91 11.1 /1/04 n/a 0.660 FCPVX Fidelity Small Cap Value 18,24 6.7 12.26 12.26.24 14.8.44 11.40 11/0/04 n/a 0.990 DOMESTIC EQUITIES - LARGE BLEND FXSIX Fidelity 500 Index - Institutional Class,18 6.64 21.79 21.79 11.8 15.76 8.47.9 2/17/88 n/a 0.00 DOMESTIC EQUITIES - M BLEND FSEVX Fidelity Extended Market Index - Premium 4.86 18.18 18.18 9.88 14.58 9.28 8.6 11/05/97 n/a 0.070 Class 11,18,2 FLMVX JPMorgan Mid Cap Value Class L 18,2 4.67 1.67 1.67 8.6 14. 9.61 12.88 11/1/97 n/a 0.860 DOMESTIC EQUITIES - SMALL BLEND FSCRX Fidelity Small Cap Discovery 18,24 4.15 7.91 7.91 6.80 12.49 12.47 11.09 9/26/00 n/a 0.870 DOMESTIC EQUITIES - LARGE GROWTH SBLYX ClearBridge Large Cap Growth Class I 12,18 7.0 25.4 25.4 1.75 18.21.41 9.57 8/29/97 n/a 0.750 DOMESTIC EQUITIES - M GROWTH APHMX Artisan Mid Cap Institutional Class 1,18,2.00 20.75 20.75 7.11 12.9 8.92 1.41 6/27/97 n/a 0.950 DOMESTIC EQUITIES - SMALL GROWTH JGMNX Janus Henderson Triton Class N 14,18,24 5.6 27.24 27.24 12.62 16.46 11.65 1.0 2/25/05 n/a 0.680 INTERNATIONAL/GLOBAL - DIVERSIFIED RLLGX American s SMALLCAP World Class 4.98 27.27 27.27 11.64 1.04 6.61.0 4/0/90 n/a 0.700 R-6 15,18,25 DODFX Dodge & Cox International Stock 18,25 1.21 2.94 2.94 5.96 8.50.17 8.07 5/01/01 n/a 0.640 FSIVX Fidelity International Index - Premium Class 11,18,25.96 25.5 25.5 8.00 7.74 2.09 5.28 11/05/97 n/a 0.060 FWWFX Fidelity Worldwide 18,25 6.09 29.54 29.54.05 11.99 5.78 8.1 5/0/90 n/a 0.8 FTFGX Templeton Foreign Class R6 16,18,25 2.86 17.8 17.8 7.22 7.08 2.47.44 /05/82 n/a 0.740 VWILX Vanguard International Growth Admiral 4.1 4.16 4.16 1.19 11.02 4.74.88 9/0/81 n/a 0.20 Shares 17,18,25 INTERNATIONAL/GLOBAL - EMERGING MARKETS DFCEX DFA Emerging Markets Core Equity Portfolio 7.71 6.55 6.55 9.2 4.7.04 8.97 4/05/05 n/a 0.50 Institutional Class 18,25 2
AS OF DECEMBER 1, 2017 Month YTD 1 5 SPECIALTY FRESX Fidelity Real Estate Investment Portfolio 18,26,27 1.28 4.27 4.27 5.99 9.48 7.92.25 11/17/86 n/a 0.760 n/a = Not Applicable/None - - = Not Available MARKET INDICATORS Month YTD 1 5 For comparison purposes only. It is not possible to invest directly in these indicators. DJ Industrial Average.96 28.11 28.11 14.6 16.7 9.28 MSCI EAFE (Net MA) 4.25 25.29 25.29 8.00 8.07 2. S&P 500 6.64 21.8 21.8 11.41 15.79 8.50 Russell 2000.4 14.65 14.65 9.96 14.12 8.71 n/a = Not Applicable/None - - = Not Available Total returns are historical and include change in share value and reinvestment of dividends and capital gains, if any. total returns are reported as of the period indicated. fund figures are reported as of the inception date to the period indicated. These figures do not include the effects of sales charges, if any, as these charges are waived for contributions made through your company s employee benefit plan. If sales charges were included, returns would have been lower. EXPENSE RATIO A mutual fund expense ratio is the total annual fund or class operating expenses (before waivers or reimbursements) paid by the fund and stated as a percent of the fund s total net assets. For other types of investments, the figure in the expense ratio field reflects similar information, but may have been calculated differently than for mutual funds. Mutual fund data comes from the fund s prospectus. For non-mutual fund investment options, the information has been provided by the plan sponsor, the investment option s manager or the trustee. When no ratio is shown for these options it is because none was available. There may be fees and expenses associated with the investment option. information changes periodically. Please consult NetBenefits for updates. SPECIFIC FUNDS Morningstar, Inc., provided data on the non-fidelity mutual funds. Although the data is gathered from reliable sources, accuracy and completeness cannot be guaranteed by Morningstar. 1 Initial offering of Premium Class shares for Fidelity Government Money Market was on 04/06/2015. Returns and expenses prior to that date are those of Fidelity Government Money Market (SPAXX). Had Fidelity Government Money Market - Premium Class expenses been reflected in the returns shown, total returns would have been higher. 2 Fidelity is voluntarily reimbursing a portion of the fund s expenses. If Fidelity had not, the returns would have been lower. This investment option is not a mutual fund. 4 Returns prior to May 4, 2011 are those of the Investor Class and reflect the Investor Class expense ratio. Had the Premium Class expense ratio been reflected, total returns would have been higher. 5 The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class s actual inception of 07/29/2011. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 0/1/1997, adjusted to reflect the fees and expenses of
AS OF DECEMBER 1, 2017 6 On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those of the non-k, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher. 7 The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class s actual inception of 05/01/2006. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 01/02/1996, adjusted to reflect the fees and expenses of 8 As of 09/12/2017, Fidelity was notified this fund changed its name from MFS Value Class R6. See the fund s prospectus for any additional details. 9 The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class s actual inception of 07/26/201. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 0/1/2004, adjusted to reflect the fees and expenses of Returns prior to May 4, 2011 are those of the Premium Class and reflect the Premium Class expense ratio. Had the Institutional Class expense ratio been reflected, total returns would have been higher. 11 Returns prior to October 14, 2005 are those of the Investor Class and reflect the Investor Class expense ratio. Had the Premium Class expense ratio been reflected, total returns would have been higher. 12 The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class s actual inception of /15/1997. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 08/29/1997, adjusted to reflect the fees and expenses of 1 The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class s actual inception of 07/0/2000. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 06/27/1997, adjusted to reflect the fees and expenses of 14 The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class s actual inception of 05/1/2012. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 02/25/2005, adjusted to reflect the fees and expenses of 15 The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class s actual inception of 05/01/2009. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 04/0/1990, adjusted to reflect the fees and expenses of 16 The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class s actual inception of 05/01/201. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of /05/1982, adjusted to reflect the fees and expenses of 17 The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class s actual inception of 08/1/2001. These calculated returns reflect the historical performance of the oldest share class of the fund, with an inception date of 09/0/1981, adjusted to reflect the fees and expenses of INVESTMENT RISK 18 Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market or economic developments. 19 Target date investments are generally designed for investors expecting to retire around the year indicated in each investment s name. The investments are managed to gradually become more conservative over time. The investment risks of each target date investment change over time as its asset allocation changes. They are subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject to risk associated with investing in high yield, small cap and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. 20 Fidelity Government Mutual Money Market: You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Fidelity Investments and its affiliates, the fund s sponsor, have no legal obligation to provide financial support to money market funds and you should not expect that the sponsor will provide financial support to the fund at any time. 4
Fidelity s government and U.S. Treasury money market funds will not impose a fee upon the sale of your shares, nor temporarily suspend your ability to sell shares if the fund s weekly liquid assets fall below 0% of its total assets because of market conditions or other factors. 21 A fixed return annuity contract is an annuity contract issued by an insurance company. It is not a mutual fund. The amount invested in the contract is guaranteed by the issuing insurance company. Guarantees of an insurance company are subject to its long-term financial strength and claims-paying ability and are solely its responsibility. Information about the fixed return annuity contract was furnished by the issuing insurance company, which is not affiliated with any Fidelity Investments company. 22 In general the bond market is volatile and bonds entail interest rate risk (as interest rates rise bond prices usually fall and vice versa). This effect is usually pronounced for longer-term securities. Bonds also entail the risk of issuer default, issuer credit risk and inflation risk. 2 Investments in mid-sized companies may involve greater risk than those of larger, more well known companies, but may be less volatile than investments in smaller companies. 24 Investments in smaller companies may involve greater risk than those in larger, more well known companies. 25 Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. This risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluctuation. 26 Because of their narrow focus, sector funds may be more volatile than funds that diversify across many sectors. 27 Changes in real estate values or economic downturns can have a significant negative effect on issuers in the real estate industry. MARKET INDICATORS Indices are unmanaged and you cannot invest directly in an index AS OF DECEMBER 1, 2017 DJ Industrial Average The Dow Jones Industrial Average (DJIA) is an unmanaged price-weighted index and is the most widely used indicator of how the country s industrial leaders are performing. Also known as "the Dow," this is a formula based on the stock prices of 0 major companies chosen from sectors of the economy most representative of our country s economic condition. MSCI EAFE (Net MA) The MSCI Europe, Australasia and Far East Index (net MA tax) is an unmanaged market capitalization-weighted index of equity securities of companies domiciled in various countries. The index is designed to represent performance of developed stock markets outside the United States and Canada and excludes certain market segments unavailable to U.S. based investors. The index returns for periods after 1/1/1997 are adjusted for tax withholding rates applicable to U.S.-based mutual funds organized as Massachusetts business trusts. S&P 500 S&P 500 Index is a market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, and industry group representation to represent U.S. equity performance. Russell 2000 The Russell 2000 Index is an unmanaged market capitalization-weighted index of 2,000 small company stocks of U.S. domiciled companies. Before investing in any mutual fund, consider the investment objectives, risks, charges, and expenses. Contact Fidelity for a mutual fund prospectus or, if available, a summary prospectus containing this information. Read it carefully. Fidelity Brokerage Services LLC, Member NYSE, SIPC 900 Salem Street, Smithfield, RI 02917 2018 FMR LLC, All rights reserved. 6718.19.0 5