1. $0.00 commission applies to online U.S. equity trades, exchange-traded funds (ETFs), and options (+ $0.65 per contract fee) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). A $100 transaction-based service fee applies to a limited number of ETFs. here for the full list of these ETFs. An Options Regulatory Fee applies to both buy and sell transactions and is subject to change.

Fidelity Institutional® accounts have different commission schedules. For details, visit Fidelity.com/commissions or contact your service representative.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read Characteristics and Risks of Standardized Options.

A Fidelity Cash Management account is a brokerage account designed for spending, saving, and cash management. Investments in a Fidelity Cash Management account are held in a brokerage account at Fidelity Brokerage Services LLC and are not covered by FDIC insurance but are covered by SIPC. The Fidelity Cash Management account is not intended to serve as your main account for securities trading. Customers interested in trading should consider a Fidelity Account.

Zero account minimums and zero account fees apply to retail brokerage accounts only. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), commissions, interest charges, or other expenses for transactions, may still apply. See Fidelity.com/commissions for further details.

ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses.

2. Fidelity ZERO Total Market Index Fund (FZROX), Fidelity ZERO International Index Fund (FZILX), Fidelity ZERO Large Cap Index Fund (FNILX), and Fidelity ZERO Extended Market Index Fund (FZIPX) are available to individual retail investors who purchase their shares through a Fidelity brokerage account.

3. Other fees and expenses applicable to continued investment are described in the fund's current prospectus.

4. Your Fidelity Cash Management account will automatically be reimbursed for all ATM fees charged by other institutions while using the Fidelity® Debit Card at any ATM displaying the Visa®, Plus®, or Star® logos. Fidelity does not charge foreign transaction fees. Foreign debit card transactions in U.S. dollars may be processed at a different rate.

5. Cash balances in the Fidelity Cash Management Account are swept into FDIC-Insured interest-bearing eligible money market mutual funds or deposit accounts at program banks. Deposits at program banks are FDIC-insured up to $250,000 per depositor, per account ownership category, per program bank (subject to availability at the program bank). Balances swept into the Money Market Overflow fund are eligible for SIPC coverage. Customers should monitor their total assets at each Program Bank, which are subject to FDIC coverage limits. Visit www.FDIC.gov for details. See the Fidelity Cash Management Account FDIC Disclosure Document (PDF) for more information.

Fidelity Go® provides discretionary investment management and, in some cases, non-discretionary financial planning services, for a fee. Strategic Advisers LLC, a registered investment adviser, and Fidelity Brokerage Services LLC, a registered broker-dealer, each serve as advisers to the Fidelity Go® program. Custody services are provided by National Financial Services LLC, a Fidelity Investments company and Member NYSE, SIPC.

Please carefully consider the plan's investment objectives, risks, charges, and expenses before investing. For this and other information on any 529 college savings plan managed by Fidelity, contact Fidelity for a free Fact Kit, or view one online. Read it carefully before you invest or send money.