Return-Path: <bounce-OHMLQPS4U7ZEZDQZC75IX5LRHA.40140@bounce.mail.fidelity.com>
Delivered-To: kelly.andrews@tessol-inc.com
Received: from gator4254.hostgator.com
	by gator4254.hostgator.com with LMTP
	id SH47HGcHBGdrXgsAcizydQ
	(envelope-from <bounce-OHMLQPS4U7ZEZDQZC75IX5LRHA.40140@bounce.mail.fidelity.com>)
	for <kelly.andrews@tessol-inc.com>; Mon, 07 Oct 2024 11:08:07 -0500
Return-path: <bounce-OHMLQPS4U7ZEZDQZC75IX5LRHA.40140@bounce.mail.fidelity.com>
Envelope-to: kelly.andrews@tessol-inc.com
Delivery-date: Mon, 07 Oct 2024 11:08:07 -0500
Received: from mta4.mail.fidelity.com ([68.232.205.112]:56084)
	by gator4254.hostgator.com with esmtps  (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_256_GCM_SHA384
	(Exim 4.96.2)
	(envelope-from <bounce-OHMLQPS4U7ZEZDQZC75IX5LRHA.40140@bounce.mail.fidelity.com>)
	id 1sxqHG-003lPM-1r
	for kelly.andrews@tessol-inc.com;
	Mon, 07 Oct 2024 11:08:07 -0500
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; s=fid48; d=mail.fidelity.com;
 h=From:To:Subject:Date:List-Unsubscribe:List-Unsubscribe-Post:MIME-Version:
 Reply-To:Message-ID:Content-Type; i=Fidelity.Investments@mail.fidelity.com;
 bh=9SDanSbu7FFNpZKFYhumG8upyT+Xkt2XL4Hn+Ll1SgE=;
 b=G1s2+mZw9vdn7R8Cizxi9+tLokhMy9+jKoHRw9cDN0HaUdb5dCfp1Tf9jBN3BNdmcJ6EtywrlOKs
   H291d9YDX8Y3fCFpL+7dyZJDRVlHH2sV9npcbf6wLv27ZMr8Ht2aXosjc7yhbVRvDzvnJf5f4jTa
   HL0wjLoz1gpWHBu8EOLR2XrBCYZebXv/nb49RwlbnQGB1IBB5PbkPUalvcJyCnzH0eud8pj9VCwn
   /h/nfQkPFGI3I41tLFhKN+y3MX4D+Z06qczyVkF+TW7XyY9Kq+zPy80UJEPlxPSTx9kUTNG57W2P
   TMBTZSXxQG9UIuw3C5b36vaFkXBlPEOdrziR9Q==
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; s=fbldkim4; d=s4.y.mc.salesforce.com;
 h=From:To:Subject:Date:List-Unsubscribe:MIME-Version:Reply-To:Message-ID:
 Content-Type;
 bh=9SDanSbu7FFNpZKFYhumG8upyT+Xkt2XL4Hn+Ll1SgE=;
 b=kIxUFYjOf667fEuhkZ1A2QBd0EgZmXGZDGehT2fpuCQdHssk1iy48CQjFKnGdq6Ng/7BmXQPDcET
   /PSQnc7yh3HDBtF8xNrb0sbn+7icWKB/FWbYUguAdaD49fEUEb52Q0BiLS4i5ahG7OE9cwtv0ZlA
   is4OiXKVXEr90hHNCSxdibLVn7W8DO89uK1q2IkI29Iwu4+tI5+QjtHu5iPkdc6TV0BxOL2+QIw/
   S3kHgqmUSc4NJmf3KY8hlEjozD2lWacUC0cvJfco8b4p7HTDnI7VhJQ6wNPtwrQdEWkrgiely8Vc
   jT4SKq9PaNPwczJCtA+QkzQdEYWcW9zvcbnfWA==
Received: by mta4.mail.fidelity.com id h0g3mc2fmd4a for <kelly.andrews@tessol-inc.com>; Mon, 7 Oct 2024 16:07:55 +0000 (envelope-from <bounce-OHMLQPS4U7ZEZDQZC75IX5LRHA.40140@bounce.mail.fidelity.com>)
From: "Fidelity Investments" <Fidelity.Investments@mail.fidelity.com>
To: <kelly.andrews@tessol-inc.com>
Subject: Annual enrollment season is here
Date: Mon, 07 Oct 2024 10:07:19 -0600
List-Unsubscribe: <https://click.fidelityinvestments.com/subscription_center.aspx?jwt=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJtaWQiOiIxMDU4ODU5IiwicyI6IjEzNzIyNDcwOCIsImxpZCI6IjEwIiwiaiI6IjM5NTAyNzgiLCJqYiI6IjE0MDA4IiwiZCI6IjQwMTQwIn0.TTD0FXP9fnbwOkCYwgvxblMv4ThaKvDg1FFOEnSzilE>, <mailto:leave-MD4RJYZBF5UEVDLKJN4WA4QGOE.40140@leave.mail.fidelity.com>
List-Unsubscribe-Post: List-Unsubscribe=One-Click
MIME-Version: 1.0
Reply-To: "Fidelity Investments Unmonitored" <reply-PRHCAYK3IWPUHH75LDI4Z5IAT4.40140@mail.fidelity.com>
X-SFMC-Stack: 4
x-job: 1058859_3950278
Message-ID: <a41f0202-0c30-40c3-9428-5c104aff90b6@las1s04mta904.xt.local>
Content-Type: multipart/alternative;
	boundary="D9jQK9nimJUT=_?:"
X-Spam-Status: No, score=-17.8
X-Spam-Score: -177
X-Spam-Bar: -----------------
X-Spam-Flag: NO

This is a multi-part message in MIME format.

--D9jQK9nimJUT=_?:
Content-Type: text/plain;
	charset="utf-8"
Content-Transfer-Encoding: 8bit








 
https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f672fc55c553399b3087394dade2713234c8a614db33c28254c722ab341a6ab1b32227d4d7841ce645876f96138695ca1 
View in your browser 
 
 




 KELLY ANDREWS
 


 

 
https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355fdf45bc0a9b872b8dbec6d8691822fc7ef73d57015e7a8992d4668cd4d3a301445d0723a62d042557a96449bd25ba54d4 
Secure Login   


 


 FidBits


 
 
https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f5f5a4fbd410396ba8cf08b7c106a227b6eef2d1bfe5a9e1735a0ea06056a61e9ce245d0387f8fbc4bb837dffd03f9afddc04534b1389a5aa 

Annual enrollment season is here, and we&rsquo;ve got the info on health and other benefits so you can make next year your best year yet.


 

https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355feaf757710cfc59c6d1ac93d94fb14cee8a79edeaa048b7987b53a4c25722b4124521ab1524a445831b48ba13c35af117b5af27bbd9446908 
   LEARN MORE  

 





















Picking a stock (in 30 seconds)
With so many stocks to choose from, what are you to do? Here are some helpful tips to get you started so you can find the ones that are right for you.


 

https://click.fidelityinvestments.com/u/?qs=f4ee0cd7642ef650d1321c8a93d2d6d9de804b8e04465f5ca87158bf53084c4ea4c5ad2d1d2be84ec0252a021fc65b54bcb5748581cd95e813008704c30e1921 
   FIND OUT ON INSTAGRAM  

 





















5 key financial risks to plan for
Retirement planning looks different for everyone. Learn about the 5 key financial risks that women&mdash;including the women in your life&mdash;should be aware of and watch out for (think: health care, inflation, and outliving savings).


 

https://click.fidelityinvestments.com/u/?qs=303366ab243cc2627379ae29a389fa90fd51cdb859e5d2543bd2abb91689f46d5659cf32ef403f0863564f702583fb8365f602bf272f3607c591ae9d6b073eff 
   CREATE A PLAN  

 





















Estate planning checklist: 3 key parts
 
Estate planning goes beyond your will or life insurance. Find out the documents and key pieces of info that you&rsquo;ll need to stay organized and put a successful plan into action.


https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f1129e5fa5b94f305e3bf2376bc1112dadc425c9320a673304290fa3996f769d6c9ff63435eed3ac89016333486c1be1ca4be8e7e0098a147 
   GET STARTED  

 






















Good debt vs. bad debt

Did you know that some types of debt might actually be good for your financial health? See if you&rsquo;re carrying the right kinds and how ";good"; debt might even help you reach your goals.


 

https://click.fidelityinvestments.com/u/?qs=f4ee0cd7642ef65011a30df90dedf5f4efac7f98579e0d4e2aebf36648ddd48d357edc4ba9109f997478e19e68a0decffd09746da673364e78a1189e30821f19 
   CHECK IT OUT  

 






















 
Ways you can make the most of your money

Balancing money priorities? Whether it&rsquo;s an unexpected bill, a tight budget, or chipping away at a long-term goal, find the help you need with Financial Wellness Central.


 

https://click.fidelityinvestments.com/u/?qs=303366ab243cc262d15e35dd68097af129b6177d5998d6d974dc520867825b432953f6de8d540620403cf4432a1b0614f33832d1625897f2304f59a2df45f4a5 
   GET STARTED  

 





















 
Retirement: How much is enough?
Sleeping in. Time with friends and family. Vacations. Retirement dreams start with a plan. Find out how much is enough and some ways to help get you there.


 

https://click.fidelityinvestments.com/u/?qs=f4ee0cd7642ef650498b7d0beb8043c1812ca64c4e505c3fba559c08483fc6fe1fbb9d451c28e4e39202ddd0daacabdd741f0661aaaf129e3b41c017fe634674 
   FIND WHAT YOU NEED  

 






















 
 Have any questions or not sure where to begin?

 

https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f1cf66b84ae31505680562c0cac94ce17097086e60a2e3e524348c91a9368438591a949d981f47a2fb2ae96e9bed0c7923fdeec9dffb3b721 
   GET HELP  

 


 
 
 
 
 
 
 
 
 



 

https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355fdf45bc0a9b872b8dbec6d8691822fc7ef73d57015e7a8992d4668cd4d3a301445d0723a62d042557a96449bd25ba54d4 
Secure Login   


 


 



Download the free NetBenefits(R) app to manage your accounts whenever&mdash;and wherever&mdash;you want!

https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f97eac07a9fe9dbe7bcd050edd834ffb5932070c8f45501d9528d734ced99a090d8485cbd63d16ed184f253058369735a 

https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355fce7f6e98204a70e8fbde3992aa605f357ae5f3e75ea1d16cea35632c243cf169d5e91524120b6b42efb881d0b31e0111 

https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355fb7a47569676a32948ec7de2c8c3741aaca19e8a6e9e5fabe9ce467a052cca59087f558bdad50e0fe3466e8dbcf417c8b 
Learn more  about what the app can do for you.



https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355fd0aa70c861fe69ab046d44a95d502c2a314ef5dae2c1e10bfcea25f014b8940e77ceaf3653b3263f0d99479d5254e5a1 
Privacy Policy     |    
https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f57074f028c3b21090c07905e4643750accf25348583108d2dd2d0edd2589906bede07c0920011de8f3412e3d0c5898a7 
Terms of Use 

 
 

 Investing involves risk, including risk of loss.
This information is intended to be educational and is not tailored to the investment needs of any specific investor. 
 


 Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.

1 ";More than 4 in 10 U.S. workers don&rsquo;t take all their paid time off."; Pew Research Center, August 10, 2023.
2 KFF 2023 Employer Health Benefits Survey, October 18, 2023.

      

The external experts are not employed by Fidelity but may receive compensation from Fidelity for their services. Fidelity Investments is not affiliated with any other company noted herein and doesn't endorse or promote any of their products or services.
 


 Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a registered service mark of Apple Inc.
 
 Android and Google Play are trademarks of Google LLC.

Fidelity retail products and services are offered beyond those of your employer-sponsored retirement plan.


 Third-party trademarks and service marks are the property of their respective owners. All other trademarks and service marks are the property of FMR LLC or an affiliated company, and may be registered.

 


 The information in this email is intended solely for the attention and use of the named addressee. This message or any part thereof must not be disclosed, copied, distributed, or retained by any person without authorization of the addressee. 
 


 Please do not respond to this email. This mailbox is not monitored, and you will not receive a response. 
 


 Fidelity Brokerage Services LLC, Member NYSE, 
https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f7a23824fac4d84b66bd4804157f3031c574f609ad0c58189d51ed0d0ecf55a34acf0b744d0b2501305f5f9b96f44bd10 
SIPC , 900 Salem Street, Smithfield, RI 02917

(c) 2024 FMR LLC. All rights reserved.

1032986.1.0

Your workplace benefits account is currently set to send emails of the following type: Education and Guidance - Savings & Retirement. To change this email setting click: <a href="https://netbenefits.fidelity.com/NBLogin/?option=RevokeEmailPreference&emailcatid=EDUSVGSRET&emailmessageid=8658618446">Stop receiving emails of this type</a>. Note: You will be required to log in to NetBenefits.

EMAIL REF#14936862032.3950278
 





FIDBITS


 
 

 
  
 
 



--D9jQK9nimJUT=_?:
Content-Type: text/html;
	charset="utf-8"
Content-Transfer-Encoding: 8bit

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN">
<html xmlns="http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"> <!--    -->
</td></tr></table>
<head>
 <meta name="viewport" content="width=device-width, initial-scale=1.0, maximum-scale=1.0, user-scalable=0"/>
 <meta http-equiv="Content-Type" content="text/html; charset=UTF-8"/>
 <title></title>
 <link href='https://fonts.googleapis.com/css?family=Source+Sans+Pro' rel='stylesheet' type='text/css'>

<!-- CSS CBN CALL -->
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><style>
.ReadMsgBody {
    width: 100%;
}
a:visited { 
    color: #0f57c2;
}
div.preheader { 
  display: none !important; 
}
 /* Forces Hotmail to display emails at full width */
.ExternalClass {
    width: 100%;
} /* Hotmail table centering fix */
.ExternalClass, .ExternalClass p, .ExternalClass span, .ExternalClass font, .ExternalClass td, .ExternalClass div {
    line-height: 100%;
}  /* Forces Hotmail to display normal line spacing */
.ExternalClass * {
    line-height: 100%
}
p {
    margin: 0;
} /* Yahoo paragraph fix */
table td {
    border-collapse: collapse;
}  /* This resolves the Outlook 07, 10, and Gmail td padding issue fix */
  table td {
 border-collapse: collapse;
!important;
}
/* This resolves the issue when iphone puts links on dates, etc. */
.appleLinksWhite a {
    color: #ffffff;
    text-decoration: none;
}
.appleLinksGray a {
    color: #1f326f;
    text-decoration: none;
}
.appleLinksBlack a {
    color: #000000;
    text-decoration: none;
}
a.mobileshow, .mobilehide {
    display: none;
    color: #ffffff; /* for Gmail */
}

/* APPLE AUTOLINK FIX */
a[x-apple-data-detectors] {
    color: inherit !important;
    text-decoration: none !important;
    font-size: inherit !important;
    font-family: inherit !important;
    font-weight: inherit !important;
    line-height: inherit !important;
}
  /* SAMSUNG AUTOLINK FIX */
  #MessageViewBody a {
    color: inherit;
    text-decoration: none;
    font-size: inherit;
    font-family: inherit;
    font-weight: inherit;
    line-height: inherit;
}
</style>
<style type="text/css"> 
@media only screen and (max-width: 660px) {
html, body {
    width: 100% !important;
    min-width: 100% !important;
    margin: 0 auto !important;
}
.container, .tableBlock {
    width: 100% !important;
    min-width: 100% !important;
    margin: 0 auto !important;
}
.photo, .image, .imgPlaceholder img {
    width: 100% !important;
    display: block !important;
    height:auto !important;
}
.show {
    display: block !important;
    margin: 0 !important;
    padding: 0 !important;
    overflow: visible !important;
    width: 100% !important;
    max-height: inherit !important;
}
.hide, .mobile-hidden {
    display: none !important;
}
.drop, .block {
    width: 100% !important;
    display: block !important;
}
.drop-center {
    width: 100% !important;
    display: block !important;
    text-align: center !important;
}
  .pad10 {
    padding-left: 10px !important;
    padding-right: 10px !important;
}
.pad20 {
    padding-left: 20px !important;
    padding-right: 20px !important;
}
.noLeftRightPad {
    padding-left: 0px !important;
    padding-right: 0px !important;
}
.padBot10 {
    padding-bottom: 10px !important;
}
.padBot20 {
    padding-bottom: 20px !important;
}
.padBot30 {
    padding-bottom: 30px !important;
}
.center {
    text-align:center !important;
    margin: auto !important;
}
.responsive-td {
    width:100% !important;
    display:block !important;
    padding:0 !important;
}
.fluid, .fluid-centered {
    width: 100% !important;
    max-width: 100% !important;
    height: auto !important;
    margin-left: auto !important;
    margin-right: auto !important;
}
.fluid-centered {
    margin-left: auto !important;
    margin-right: auto !important;
}
}
</style>
<style type="text/css">
@media only screen and (max-width: 450px) {
body {
    width: 100% !important;
    min-width: 100% !important;
    margin: 0 auto !important;
}
.body {
    min-width: 100vw;
}
.mobile-only {
    display: block !important;
    max-height: none !important;
}
  .pad10 {
    padding-left: 10px !important;
    padding-right: 10px !important;
}
.pad20 {
    padding-left: 20px !important;
    padding-right: 20px !important;
}
.noLeftRightPad {
    padding-left: 0px !important;
    padding-right: 0px !important;
}
.padBot10 {
    padding-bottom: 10px !important;
}
.padBot20 {
    padding-bottom: 20px !important;
}
.padTop20 {
    padding-top: 20px !important;
}
.padBot30 {
    padding-bottom: 30px !important;
}
.center {
    text-align: center !important;
    margin: auto !important;
}
.container, .tableBlock {
    width: 100% !important;
}
.mobilePadding20 {
    padding-left: 20px !important;
    padding-right: 20px !important;
}
.mobilePadding10 {
    padding-left: 10px !important;
    padding-right: 10px !important;
}
.photo, .image, .imgPlaceholder img {
    width: 100% !important;
    display: block !important;
    height:auto !important;
}
  .icon {
  width:260px !important;
  }
.show {
    display: block !important;
    margin: 0 !important;
    padding: 0 !important;
    overflow: visible !important;
    width: 100% !important;
    max-height: inherit !important;
}
.hide, .mobile-hidden {
    display: none !important;
}
.drop, .block {
    width: 100% !important;
    display: block !important;
}
.responsive-td {
    width: 100% !important;
    display: block !important;
    padding: 0 !important;
}
.fluid, .fluid-centered {
    width: 100% !important;
    max-width: 100% !important;
    height: auto !important;
    margin-left: auto !important;
    margin-right: auto !important;
}
.fluid-centered {
    margin-left: auto !important;
    margin-right: auto !important;
}
/* GMAIL APP FIX */
u + .body .gwfw {
    width: 100% !important;
    width: 100vw !important;
}
/* SAMSUNG APP FIX */
#MessageViewBody, #MessageWebViewDiv {
    min-width:100vw;
    margin:0 !important;
    zoom:1 !important;
}
}
</style>
<style type="text/css">
@media only screen and (max-width: 320px) {
/* global 320 wide styles for targeting smallest iPhones */
 .icon {
  width:170px !important;
  }
}
</style></td></tr></table>
<!--[if gte mso 9]> <xml>   <o:OfficeDocumentSettings>     <o:AllowPNG/>     <o:PixelsPerInch>96</o:PixelsPerInch>  </o:OfficeDocumentSettings> </xml> <![endif]-->
</head>
<body style="margin: 0px; -webkit-text-size-adjust:none; background-color: #ffffff;" yahoo="fix"><style type="text/css">
div.preheader 
{ display: none !important; } 
</style>
<div class="preheader" style="font-size: 1px; display: none !important;">FidBits Newsletter:
 Take full advantage of workplace benefits</div>
    <img src="https://click.fidelityinvestments.com/open.aspx?UIRFOEDI27TUZBXHJFAH7WOGTY.40140&d=40140&bmt=0" width="1" height="1" alt="">

 <!-- Start of: Banner --> 
 <table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
  <tr>
   <td align="center" valign="top" bgcolor="#ffffff" style="padding: 0px 30px;">
    <!--[if mso]>      <table align="center" border="0" cellspacing="0" cellpadding="0" width="600">      <tr>      <td align="center" valign="top" width="600">     <![endif]-->
    <table width="100%" cellpadding="0" cellspacing="0" border="0" style="max-width: 600px;" class="container hide">
     <tr>
      <td align="left" valign="middle" style="font-family: Arial, sans-serif; font-size: 11px; mso-line-height-rule: exactly; line-height: 11px; padding: 5px 0px;">
      <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><font style="font-family: Arial, sans-serif; font-size: 11px; mso-line-height-rule: exactly; line-height: 11px;"><a href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f672fc55c553399b3087394dade2713234c8a614db33c28254c722ab341a6ab1b32227d4d7841ce645876f96138695ca1"  target="_blank" style="color: #858585; text-decoration: underline;">View in your browser</a></font></td></tr></table> 
      </td>
     </tr>
    </table>
    <table width="100%" cellpadding="0" cellspacing="0" border="0" style="max-width: 600px;" class="container">
     <tr>
      <td align="left" valign="middle" width="50%">
      
<table width="100%" border="0" cellspacing="0" cellpadding="0" align="left" class="container">
  <tr>
    <td><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!-- Start Logo 1 -->
<table cellspacing="0" cellpadding="0" border="0" class="container">
 <tr>
  <td style="padding: 10px 10px 10px 0px;" valign="middle" align="center">
  <img alt="Fidelity Logo" src="https://image.fidelityinvestments.com/lib/fe8b1570706c0c787c/m/1/bfcfcf87-9453-4eda-aff4-2ef708ce2272.jpg" style="display: block;" width="160" height="45" border="0">
  </td>
 </tr>
</table></td></tr></table></td>
  </tr>
</table>
 
      </td>
            <td align="right" valign="middle" width="50%">
      
<table width="100%" border="0" cellspacing="0" cellpadding="0" align="right" class="container">
  <tr>
    <td></td>
  </tr>
</table> 
      </td>
     </tr>
    </table>
    <!--[if mso]>      </td>      </tr>      </table>     <![endif]-->
   </td>
  </tr>
 </table>
 <!-- End of: Banner -->
 <!-- Start of: Personalization --> 
 <table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
  <tr>
   <td align="center" bgcolor="#819796" style="padding: 0px 30px;" class="pad10">
    <!--[if mso]>      <table align="center" border="0" cellspacing="0" cellpadding="0" width="600">      <tr>      <td align="center" valign="top" width="600">     <![endif]-->
    <table border="0" cellspacing="0" cellpadding="0" width="100%" style="max-width: 600px" class="container">
     <tr>
      <td align="left" valign="top" style="padding: 8px 0px;">
       <table width="100%" cellpadding="0" cellspacing="0" border="0" class="container">
        <tr>
         <td align="left" valign="middle" width="50%"><table border="0" cellspacing="0" cellpadding="0" width="100%">
         <tr>
          <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!-- Start of: Personalization -->
<table width="100%" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="font-family: Arial, sans-serif; font-size: 12px; mso-line-height-rule: exactly; line-height: 16px; color: #ffffff; padding: 10px 0px;" valign="middle" align="left">
<b>KELLY ANDREWS
  </b>
</td>
</tr>
</table>
<!-- End of: Personalization --></td></tr></table>
         </tr>
        </table></td>
                                    <td align="right" valign="middle" width="50%" class="">
        <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="background-color: transparent; min-width: 100%; " class="stylingblock-content-wrapper mobile-hidden"><tr><td style="padding: 0px; " class="stylingblock-content-wrapper mobile-hidden camarker-inner"><table width="100%" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="font-family: Arial, sans-serif; font-size: 12px; mso-line-height-rule: exactly; line-height: 12px; color: #ffffff; padding: 10px 0px;" valign="middle" align="right">
<a href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f2035236336eb034222f6c85d8b1d2e94e0a9d835a51a7af6f4f00f612f00a7299cc28ac59a762a3905cdce275c88942a"  target="_blank" style="color: #ffffff; text-decoration: underline;">Secure&nbsp;Login</a>&nbsp;&nbsp;<img alt="Lock" src="http://image.fidelityinvestments.com/lib/fe8b1570706c0c787c/m/1/WI-EDU-Stream_Login_Icon.png" width="10" height="12" border="0" align="top">

</td>
</tr>
</table>

</td></tr></table>
        </td>
                                            </tr>
                                        </table>
                                        <!-- End of: Secure Login -->
                                    </td>
        </tr>
       </table>
      </td>
     </tr>
    </table>
    <!--[if mso]>      </td>      </tr>      </table>     <![endif]-->
   
  
 </td>
 </tr></table><!-- End of: Personalization -->
 <!-- Start of: Content --> 
 <table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
  <tr>
   <td align="center" valign="top" bgcolor="#819796" class="pad10">
    <!--[if mso]>      <table align="center" border="0" cellspacing="0" cellpadding="0" width="600">      <tr>      <td align="center" valign="top" width="600">     <![endif]-->
    <table width="100%" cellpadding="0" cellspacing="0" border="0"  bgcolor="#ffffff" style="max-width: 600px;" class="container">
     
     <tr>
      <td align="center" valign="middle" style="font-size: 0px;">
       <!--[if mso]>         <table align="center" border="0" cellspacing="0" cellpadding="0" width="600">         <tr>         <td align="left" valign="top" width="325">        <![endif]-->
                            
       <!--[if mso]>         </td>         <td align="right" valign="top" width="228">        <![endif]-->
       
       <!--[if mso]>         </td>         </tr>         </table>        <![endif]-->
      </td>
     </tr>
     <tr>
      <td align="center" valign="middle">
       <!--[if mso]>         <table align="center" border="0" cellspacing="0" cellpadding="0" width="600">         <tr>         <td>        <![endif]-->
       <table align="left" width="100%" border="0" cellpadding="0" cellspacing="0" style="max-width: 600px;" class="container">
       
                                
                                <tr>
         <td align="left" valign="top">
                                    <!-- Start of: Body Copy 1 -->
                                    <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table width="100%" cellspacing="0" cellpadding="0" role="presentation" class="container">
  <tr>
    <td align="center" style="padding-top: 30px;" class="hide">     
        <img src="https://image.fidelityinvestments.com/lib/fe8b1570706c0c787c/m/2/f781eb71-0c62-4577-8d8a-acaa583b3640.png" alt="Fidelity Logo" height="auto" width="600" style="display: block; padding: 0px; text-align: center; height: auto; width: 600px;" class="image">
    </td>
  </tr>
</table>
<!--[if(!mso) | (mso 16)}><!-->
<table width="100%" cellspacing="0" cellpadding="0" class="container">
  <tr>
    <td align="center" class="show" style="display: none;">
        <img src="https://image.fidelityinvestments.com/lib/fe8b1570706c0c787c/m/2/ac149830-2e9e-404a-b726-52a6ddcc6bd5.png" alt="Fidelity Logo" height="auto" width="600" style="padding: 0px; text-align: center; height: auto; width: 600px;" class="image">
    </td>
  </tr>
</table>
<!--<![endif]--></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
  <tr>
    <td style="font-family: Arial, sans-serif; font-size: 40px; mso-line-height-rule: exactly; line-height: 42px; color: #333333; padding: 20px 20px 0px 20px; text-align:center;">
      <b>FidBits</b>
    </td>
  </tr>
</table>
</td></tr></table>
                                    <!-- End of: Body Copy 1 -->
         <!-- Start of: Body Copy 2 -->
                                    <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
  <tr>
    <td style="padding: 20px 20px 0px 20px;">
      <a href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f4306d36c47d9bfe679c057157921e0c37ed34cd788fcb1809a09596a3db38d6f887af84656a7fd8e027f6d9e28bff762706649b4179273a0" target="_blank" title="Img_lnk"  style="text-decoration: none;  display: inline-block;"><img alt="BENEFOMO: the fear of missing out on your benefits." src="https://image.fidelityinvestments.com/lib/fe8b1570706c0c787c/m/1/5cea0eed-909a-45f4-99d9-e02e1ac5a982.png" width="560" class="image"></a>
    </td>
  </tr>
   <tr>
<td style="font-family: Arial, sans-serif; font-size: 18px; mso-line-height-rule: exactly; line-height: 20px; color: #333333; padding: 20px 20px 20px 20px;">Annual enrollment season is here, and we&rsquo;ve got the info on health and other benefits so you can make next year your best year yet.
</td></tr>
 
 <tr>
  <td style="padding: 0px 20px 20px 20px;">
    
<!-- START OF: CTA -->
 <table border="0" cellspacing="0" cellpadding="0" align="left">
        <tr>
          <td align="left" bgcolor="#368727" style="padding: 5px 10px; border: None; border-radius: 5px 5px 5px 5px;"><a href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355facac4fa1d2cb39cb574835247acd3576d39f2ca9f3aed2bbc63da9420d4940471356ac366b28cfd7ec81ae9d033825518b9e58a86afb3696" target="_blank" title="LEARN MORE"  style="font-size: 16px; font-family: Arial, sans-serif; mso-line-height-rule: exactly; line-height: 24px; color: #ffffff; text-decoration: none; text-decoration: none;  display: inline-block;">&nbsp;&nbsp;<b>LEARN MORE</b></a>&nbsp;&nbsp;</td></tr></table>
 <!-- END OF: CTA -->
    </td>
  </tr>&nbsp;

</table>






</td></tr></table>







</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
   <tr>
     
  <td style="padding: 20px 20px 20px 20px;" align="center">
  <table cellpadding="0" cellspacing="0" border="0" width="75%" class="container">
 <tr>
  <td align="center" valign="top" height="3" style="background-color: #333333; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; mso-line-height-rule: exactly; font-size: 3px; line-height:3px;">&nbsp;
    
   </td></tr></table>
  </td></tr>

</table>






</td></tr></table>







</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
 
  
 <tr>
<td style="font-family: Arial, sans-serif; font-size: 24px; mso-line-height-rule: exactly; line-height: 24px; color: #333333; padding: 20px 20px 0px 20px;">
<b>Picking a stock (in 30 seconds)</b>
</td></tr>
   <tr>
<td style="font-family: Arial, sans-serif; font-size: 18px; mso-line-height-rule: exactly; line-height: 20px; color: #333333; padding: 20px 20px 20px 20px;">With so many stocks to choose from, what are you to do? Here are some helpful tips to get you started so you can find the ones that are right for you.
</td></tr>
 
 <tr>
  <td style="padding: 0px 20px 20px 20px;">
    
<!-- START OF: CTA -->
 <table border="0" cellspacing="0" cellpadding="0" align="left">
        <tr>
          <td align="left" bgcolor="#368727" style="padding: 5px 10px; border: None; border-radius: 5px 5px 5px 5px;"><a href="https://click.fidelityinvestments.com/u/?qs=f4ee0cd7642ef650eee19677eb4ce2a678acc801d12690a3aba6fe599b3e33fc52baa8cf2fa0222663fae2b98e925dd1ed5dfc794f4162a1e08ad1393806f8c8" target="_blank" title="FIND OUT ON INSTAGRAM"  style="font-size: 16px; font-family: Arial, sans-serif; mso-line-height-rule: exactly; line-height: 24px; color: #ffffff; text-decoration: none; text-decoration: none;  display: inline-block;">&nbsp;&nbsp;<b>FIND OUT ON INSTAGRAM</b></a>&nbsp;&nbsp;</td></tr></table>
    
    
 <!-- END OF: CTA -->
    </td>
  </tr>&nbsp;

</table>






</td></tr></table>







</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
   <tr>
     
  <td style="padding: 20px 20px 20px 20px;" align="center">
  <table cellpadding="0" cellspacing="0" border="0" width="75%" class="container">
 <tr>
  <td align="center" valign="top" height="3" style="background-color: #333333; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; mso-line-height-rule: exactly; font-size: 3px; line-height:3px;">&nbsp;
    
   </td></tr></table>
  </td></tr>

</table>






</td></tr></table>







</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
  
 <tr>
<td style="font-family: Arial, sans-serif; font-size: 24px; mso-line-height-rule: exactly; line-height: 24px; color: #333333; padding: 20px 20px 0px 20px;">
  <b>5 key financial risks to plan for</b>
</td></tr>
   <tr>
<td style="font-family: Arial, sans-serif; font-size: 18px; mso-line-height-rule: exactly; line-height: 20px; color: #333333; padding: 20px 20px 20px 20px;">Retirement planning looks different for everyone. Learn about the 5 key financial risks that women&mdash;including the women in your life&mdash;should be aware of and watch out for (think: health care, inflation, and outliving savings).
</td></tr>
 
 <tr>
  <td style="padding: 0px 20px 20px 20px;">
    
<!-- START OF: CTA -->
 <table border="0" cellspacing="0" cellpadding="0" align="left">
        <tr>
          <td align="left" bgcolor="#368727" style="padding: 5px 10px; border: None; border-radius: 5px 5px 5px 5px;"><a href="https://click.fidelityinvestments.com/u/?qs=303366ab243cc26202c30c2b70d15c234c1e6d6a011e8b975843be2cb9c3b17ea9b333e4dbc59092b3a16bd04be4976e89c0fd4af4700c289d90193285463cec" target="_blank" title="CREATE A PLAN"  style="font-size: 16px; font-family: Arial, sans-serif; mso-line-height-rule: exactly; line-height: 24px; color: #ffffff; text-decoration: none; text-decoration: none;  display: inline-block;">&nbsp;&nbsp;<b>CREATE A PLAN</b></a>&nbsp;&nbsp;</td></tr></table>
 <!-- END OF: CTA -->
    </td>
  </tr>&nbsp;

</table>






</td></tr></table>







</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
   <tr>
     
  <td style="padding: 20px 20px 20px 20px;" align="center">
  <table cellpadding="0" cellspacing="0" border="0" width="75%" class="container">
 <tr>
  <td align="center" valign="top" height="3" style="background-color: #333333; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; mso-line-height-rule: exactly; font-size: 3px; line-height:3px;">&nbsp;
    
   </td></tr></table>
  </td></tr>

</table>






</td></tr></table>







</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
 <tr>
<td style="font-family: Arial, sans-serif; font-size: 24px; mso-line-height-rule: exactly; line-height: 24px; color: #333333; padding: 20px 20px 0px 20px;">
  <b>Estate planning checklist: 3 key parts
    </b>
</td></tr>
   <tr>
<td style="font-family: Arial, sans-serif; font-size: 18px; mso-line-height-rule: exactly; line-height: 20px; color: #333333; padding: 20px 20px 20px 20px;">Estate planning goes beyond your will or life insurance. Find out the documents and key pieces of info that you&rsquo;ll need to stay organized and put a successful plan into action.
</td></tr>
 
 <tr>
  <td style="padding: 0px 20px 20px 20px;">
<!-- START OF: CTA -->
<table border="0" cellspacing="0" cellpadding="0" align="left">
        <tr>
          <td align="left" bgcolor="#368727" style="padding: 5px 10px; border: None; border-radius: 5px 5px 5px 5px;"><a href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355fa2536a2686666dbbc63c5800268a37ff046e8048368a0dbcf7f254f13bb6e0d88817bde1977ce6facd071e21b36f41f26fa6fccd068bfc08" target="_blank" title="GET STARTED"  style="font-size: 16px; font-family: Arial, sans-serif; mso-line-height-rule: exactly; line-height: 24px; color: #ffffff; text-decoration: none; text-decoration: none;  display: inline-block;">&nbsp;&nbsp;<b>GET STARTED</b></a>&nbsp;&nbsp;</td></tr></table>
 <!-- END OF: CTA -->
    </td>
  </tr>&nbsp;

</table>






</td></tr></table>







</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
   <tr>
     
  <td style="padding: 20px 20px 20px 20px;" align="center">
  <table cellpadding="0" cellspacing="0" border="0" width="75%" class="container">
 <tr>
  <td align="center" valign="top" height="3" style="background-color: #333333; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; mso-line-height-rule: exactly; font-size: 3px; line-height:3px;">&nbsp;
    
   </td></tr></table>
  </td></tr>

</table>






</td></tr></table>







</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">

  
 <tr>
<td style="font-family: Arial, sans-serif; font-size: 24px; mso-line-height-rule: exactly; line-height: 24px; color: #333333; padding: 20px 20px 0px 20px;">
  <b>Good debt vs. bad debt
</b>
</td></tr>
   <tr>
<td style="font-family: Arial, sans-serif; font-size: 18px; mso-line-height-rule: exactly; line-height: 20px; color: #333333; padding: 20px 20px 20px 20px;">Did you know that some types of debt might actually be good for your financial health? See if you&rsquo;re carrying the right kinds and how &#8220;good&#8221; debt might even help you reach your goals.
</td></tr>
 
 <tr>
  <td style="padding: 0px 20px 20px 20px;">
    
<!-- START OF: CTA -->
 <table border="0" cellspacing="0" cellpadding="0" align="left">
        <tr>
          <td align="left" bgcolor="#368727" style="padding: 5px 10px; border: None; border-radius: 5px 5px 5px 5px;"><a href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355fea1566eca7443d3e42edd3b21300e1913f2365314a81ace41a95797a7ad5856f7833a4dfa9277579ee3cc1771f1b26c11b1e3513ee23ae60" target="_blank" title="CHECK IT OUT"  style="font-size: 16px; font-family: Arial, sans-serif; mso-line-height-rule: exactly; line-height: 24px; color: #ffffff; text-decoration: none; text-decoration: none;  display: inline-block;">&nbsp;&nbsp;<b>CHECK IT OUT</b></a>&nbsp;&nbsp;</td></tr></table>
 <!-- END OF: CTA -->
    </td>
  </tr>&nbsp;

</table>






</td></tr></table>








</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
   <tr>
     
  <td style="padding: 20px 20px 20px 20px;" align="center">
  <table cellpadding="0" cellspacing="0" border="0" width="75%" class="container">
 <tr>
  <td align="center" valign="top" height="3" style="background-color: #333333; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; mso-line-height-rule: exactly; font-size: 3px; line-height:3px;">&nbsp;
    
   </td></tr></table>
  </td></tr>

</table>






</td></tr></table>







</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"> 
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
 
  
 <tr>
<td style="font-family: Arial, sans-serif; font-size: 24px; mso-line-height-rule: exactly; line-height: 24px; color: #333333; padding: 20px 20px 0px 20px;">
  <b>Ways you can make the most of your money
</b>
</td></tr>
   <tr>
     <td style="font-family: Arial, sans-serif; font-size: 18px; mso-line-height-rule: exactly; line-height: 20px; color: #333333; padding: 20px 20px 20px 20px;">Balancing money priorities? Whether it&rsquo;s an unexpected bill, a tight budget, or chipping away at a long-term goal, find the help you need with Financial Wellness Central.
</td></tr>
 
 <tr>
  <td style="padding: 0px 20px 20px 20px;">
    
<!-- START OF: CTA -->
 <table border="0" cellspacing="0" cellpadding="0" align="left">
        <tr>
          <td align="left" bgcolor="#368727" style="padding: 5px 10px; border: None; border-radius: 5px 5px 5px 5px;"><a href="https://click.fidelityinvestments.com/u/?qs=303366ab243cc2621da5e6cdc96a53bcfb513c06bbf1f70acc3710b978a9d22e0359e68e08169d0ef8e066acb43940b48be643a8bb91a0b38eaff2b3b48570d5" target="_blank" title="GET STARTED"  style="font-size: 16px; font-family: Arial, sans-serif; mso-line-height-rule: exactly; line-height: 24px; color: #ffffff; text-decoration: none; text-decoration: none;  display: inline-block;">&nbsp;&nbsp;<b>GET STARTED</b></a>&nbsp;&nbsp;</td></tr></table>
 <!-- END OF: CTA -->
    </td>
  </tr>&nbsp;

</table>






</td></tr></table>







</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
   <tr>
     
  <td style="padding: 20px 20px 20px 20px;" align="center">
  <table cellpadding="0" cellspacing="0" border="0" width="75%" class="container">
 <tr>
  <td align="center" valign="top" height="3" style="background-color: #333333; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; mso-line-height-rule: exactly; font-size: 3px; line-height:3px;">&nbsp;
    
   </td></tr></table>
  </td></tr>

</table>






</td></tr></table>







</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"> 
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
  
 <tr>
<td style="font-family: Arial, sans-serif; font-size: 24px; mso-line-height-rule: exactly; line-height: 24px; color: #333333; padding: 20px 20px 0px 20px;">
  <b>Retirement: How much is enough?</b>
</td></tr>
   <tr>
<td style="font-family: Arial, sans-serif; font-size: 18px; mso-line-height-rule: exactly; line-height: 20px; color: #333333; padding: 20px 20px 20px 20px;">Sleeping in. Time with friends and family. Vacations. Retirement dreams start with a plan. Find out how much is enough and some ways to help get you there.
</td></tr>
 
 <tr>
  <td style="padding: 0px 20px 20px 20px;">
    
<!-- START OF: CTA -->
 <table border="0" cellspacing="0" cellpadding="0" align="left">
        <tr>
          <td align="left" bgcolor="#368727" style="padding: 5px 10px; border: None; border-radius: 5px 5px 5px 5px;"><a href="https://click.fidelityinvestments.com/u/?qs=f4ee0cd7642ef650aea77f94a3626028885822da2d443972b5ff276db2b9e60a85e2e4e5c969756274d0558105bbb064e26f1d4b0d1a7096aca1db16b6e66382" target="_blank" title="FIND WHAT YOU NEED"  style="font-size: 16px; font-family: Arial, sans-serif; mso-line-height-rule: exactly; line-height: 24px; color: #ffffff; text-decoration: none; text-decoration: none;  display: inline-block;">&nbsp;&nbsp;<b>FIND WHAT YOU NEED</b></a>&nbsp;&nbsp;</td></tr></table>
 <!-- END OF: CTA -->
    </td>
  </tr>&nbsp;

</table>






</td></tr></table>







</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
   <tr>
     
  <td style="padding: 20px 20px 20px 20px;" align="center">
  <table cellpadding="0" cellspacing="0" border="0" width="75%" class="container">
 <tr>
  <td align="center" valign="top" height="3" style="background-color: #333333; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; mso-line-height-rule: exactly; font-size: 3px; line-height:3px;">&nbsp;
    
   </td></tr></table>
  </td></tr>

</table>






</td></tr></table>







</td></tr></table>
                                    <!-- End of: Body Copy 2 -->
                                    <!-- Start of: Body Copy 3 -->
                                    <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table cellpadding="0" cellspacing="0" border="0" width="100%" class="container"> 

   <tr>
<td style="font-family: Arial, sans-serif; font-size: 16px; mso-line-height-rule: exactly; line-height: 24px; color: #333333; padding: 10px 20px 0px 20px;">
 <b>Have any questions or not sure where to begin?</b>
</td></tr>
  <tr>
  <td style="padding: 20px 20px 20px 20px;">
    
<!-- START OF: CTA -->
 <table border="0" cellspacing="0" cellpadding="0" align="left" style="border:  None; border-radius: None;">
        <tr>
          <td align="left" bgcolor="#368727" style="padding: 5px 10px; border:  None; border-radius: 5px 5px 5px 5px;"><a href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f4da9cbc31ee3cbf25a86260ee914945c176a937241ec0843a5d0c181709ba5a627504c4f8e70605ee245af75216afd239962c01c06b482ac" target="_blank" title="GET HELP"  style="font-size: 16px; font-family: Arial, sans-serif; mso-line-height-rule: exactly; line-height: 24px; color: #ffffff; text-decoration: none; text-decoration: none;  display: inline-block;">&nbsp;&nbsp;<b>GET HELP</b></a>&nbsp;&nbsp;</td></tr></table>
 <!-- END OF: CTA -->
    </td>
  </tr>&nbsp;
</table>

</td></tr></table>
                                    <!-- End of: Body Copy 3 -->
                                    <!-- Start of: Body Copy 4 -->
                                    
                                    <!-- End of: Body Copy 4 -->
                                    <!-- Start of: Body Copy 5 -->
                                    
                                    <!-- End of: Body Copy 5 -->
                                    <!-- Start of: Body Copy 6 -->
                                    
                                    <!-- End of: Body Copy 6 -->
                                    <!-- Start of: Body Copy 7 -->
                                    
                                    <!-- End of: Body Copy 7 -->
          
         </td>
        </tr>
                                
       </table>
       <!--[if mso]>         </td>         <td>        <![endif]-->
       
       <!--[if mso]>         </td>         </tr>         </table>        <![endif]-->
      </td>
     </tr>
                    
                   <!-- Green Line start -->
                    <!--<tr>                     <td align="left" valign="top" width="70" height="49" style="padding: 0px 0px 0px 0px" >     <div data-type="slot" data-key="greenline" data-label="Drop blocks or content here"></div>                     </td>                 </tr>-->
                <!-- Green Line end -->
                
                <tr>
                    <td align="left" valign="top" width="70" height="20">
  <!-- buffer zone for green line -->

    </td>
                </tr>



    </table>
    <!--[if mso]>      </td>      </tr>      </table>     <![endif]-->
   </td>
  </tr>
       
 </table>
 <!-- End of: Content -->
 
 
 
 
 <!-- Start of: Mobile Login -->
 <table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
  <tr>
   <td align="center" class="nullPad" bgcolor="#819796" style="padding: 16px 0px; mso-line-height-rule: exactly; line-height: 1px;" >
                
                <!--[if mso]>      <table align="center" border="0" cellspacing="0" cellpadding="0" width="600">      <tr>      <td align="center" valign="top" width="600px">     <![endif]-->
    <table border="0" cellspacing="0" cellpadding="0" width="100%" style="max-width: 600px;" class="container" >
                <tr>
                <td align="left" style="font-family:Arial, Helvetica, sans-serif; font-size:14px; color:#333333; line-height: 17px; padding-bottom:20px; padding-top:20px" ></td>
                </tr>
     <tr>                    
<td align="left" valign="top" class="mobileLoginPad" >
      <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<!--[if !mso]><!-->
<div class="show" style="width:0px; max-height: 0px; display: none; mos-hide: all; display:none;">
<table cellspacing="0" cellpadding="0" border="0" class="container">
 <tr>
  <td style="font-family: Arial, sans-serif; font-size: 12px; mso-line-height-rule: exactly; line-height: 13px; color: #ffffff; padding: 20px 30px 20px 30px; line-height:16px;" valign="middle" align="left"><a href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f2035236336eb034222f6c85d8b1d2e94e0a9d835a51a7af6f4f00f612f00a7299cc28ac59a762a3905cdce275c88942a"  target="_blank" style="color: #ffffff; text-decoration: underline;">Secure&nbsp;Login</a>&nbsp;&nbsp;<img alt="Lock" src="http://image.fidelityinvestments.com/lib/fe8b1570706c0c787c/m/1/WI-EDU-Stream_Login_Icon.png" width="10" height="12" border="0" align="top">
  </td>
 </tr>
</table>
</div>
<!--[endif]----></td></tr></table>
      </td>
     </tr>
    </table>
    <!--[if mso]>      </td>      </tr>      </table>     <![endif]-->
   </td>
  </tr>
 </table>
 <!-- End of: Mobile Login -->
 
 
 
 
 <!-- Start of: Footer Content -->
  <table border="0" cellspacing="0" cellpadding="0" width="100%" bgcolor="#e8e8e8" class="container">
  <tr>
   <td align="center" style="padding: 30px 30px;">
    <!--[if mso]>      <table align="center" border="0" cellspacing="0" cellpadding="0" width="600">      <tr>      <td align="center" valign="top" width="600">     <![endif]-->
    <table border="0" cellspacing="0" cellpadding="0" width="100%" style="max-width: 600px;" class="container" >
     <tr>
      <td align="left" valign="top" style="padding: 0px 20px;" class="nullPad">
       <!-- Start of: Footer 1 - record ID and links -->
     


<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!-- START OF: app module -->
<table width="100%" border="0" cellspacing="0" cellpadding="0">
<tr><td style="font-family: Arial, sans-serif; font-size: 12px; mso-line-height-rule: exactly; line-height: 16px; color: #333333; padding: 20px 0px 10px 0px; text-align: left">
Download the free NetBenefits<sup>&reg;</sup> app to manage your accounts whenever&mdash;and wherever&mdash;you want!</td></tr>
    
    <tr>
<td style="padding:0px 0px 0px 0px" valign="middle" align="center">
<table width="50%" border="0" cellspacing="0" cellpadding="0" align="left">
<tr>
<td class="drop" width="33%" valign="middle" style="padding:10px 20px 10px 0px">
<!-- START OF: Block 1 -->
<table border="0" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td valign="middle"><a href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355fcbd597dce2eeed8aa6fa9b45e8f042ed18e0eba76340781003808a551ea4010c6091f0b2f8d5842ec8b1a5dc746f8b74" title="Download from the App Store"  target="_blank"><img src="https://image.fidelityinvestments.com/lib/fe90157070640d7a7c/m/20/803edf05-7d6f-428c-9ef5-16ecdce5344f.png" alt="Download on the App Store" style="border:none; display: block;" width="130"></a></td>
</tr>
</table>
<!-- END OF: Block 1 -->
</td>
<td class="drop" width="33%" valign="middle" style="padding:10px 20px 10px 0px">
<!-- START OF: Block 1 -->
<table border="0" cellspacing="0" cellpadding="0" width="100%">
<tr>
<td valign="middle"><a href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f87bc31de934362ef2391b33d94f62d33af374a3ffda5a333d6ec8c05fcc366de91771fa9ac044dcf5191902cc4fbca9f" title="Get it on Google Play"  target="_blank"><img src="https://image.fidelityinvestments.com/lib/fe90157070640d7a7c/m/20/2c19876f-2f1a-4df2-9574-8e2ba8d4932f.png" alt="Get it on Google Play" style="border:none; display: block;" width="130"></a></td>
</tr>
</table>
<!-- END OF: Block 1 -->
</td>

</tr></table>
</td></tr>
    <tr><td style="font-family: Arial, sans-serif; font-size: 12px; mso-line-height-rule: exactly; line-height: 16px; color: #333333; padding: 10px 0px 20px 0px; text-align:left;"><b><a   data-linkto="https://" href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355fe0f94efab0ccace6d40695341ffe5cf3cff99ae531e75fc4cc7c6cb55931ee36c72d02c57c9d1bad1dc76136d825d8cf" style="color:#0f57c2;text-decoration:none;" title="Learn more">Learn more</a></b> about what the app can do for you.</td></tr>
</table>
<!-- END OF: app module --></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><p style="FONT-FAMILY: Arial, Helvetica, sans-serif; FONT-SIZE: 14px">
<a style="COLOR: #0f57c2; text-decoration: none" href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355fd0aa70c861fe69ab046d44a95d502c2a314ef5dae2c1e10bfcea25f014b8940e77ceaf3653b3263f0d99479d5254e5a1">Privacy Policy</a> &nbsp;&nbsp;&nbsp;|&nbsp; &nbsp;&nbsp;<a style="COLOR: #0f57c2; text-decoration: none" href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f57074f028c3b21090c07905e4643750accf25348583108d2dd2d0edd2589906bede07c0920011de8f3412e3d0c5898a7">Terms of Use</a>
</p></td></tr></table> 
                            </td>
     </tr>
                    <tr>
      <td align="left" valign="top" style="padding: 0px 20px;" class="nullPad">
       <!-- Start of: Footer 2 - custom content -->
       <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
 <tr>
   <td style="font-family: Arial, sans-serif; font-size: 18px; mso-line-height-rule: exactly; line-height: 20px; color: #666666; padding: 20px 0px 0px 0px;"><strong>Investing involves risk, including risk of loss.</strong></td></tr>
<tr>
   <td style="font-family: Arial, sans-serif; font-size: 10px; mso-line-height-rule: exactly; line-height: 12px; color: #666666; padding: 20px 0px 0px 0px;">This information is intended to be educational and is not tailored to the investment needs of any specific investor. 
  <br><br>
  Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.</td></tr>
</table></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
<tr>
  <td style="font-family: Arial, sans-serif; font-size: 10px; mso-line-height-rule: exactly; line-height: 12px; color: #666666; padding: 10px 0px 0px 0px;"><sup>1</sup> &#8220;More than 4 in 10 U.S. workers don&rsquo;t take all their paid time off.&#8221; Pew Research Center, August 10, 2023.<br><sup>2</sup> KFF 2023 Employer Health Benefits Survey, October 18, 2023.</td></tr></table>
</td></tr></table> <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">




</td></tr></table> <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">




</td></tr></table> <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">




</td></tr></table> <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">




</td></tr></table> <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">




</td></tr></table> <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">




</td></tr></table>
</td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table cellpadding="0" cellspacing="0" border="0" width="100%" class="container">
<tr>
   <td style="font-family: Arial, sans-serif; font-size: 10px; mso-line-height-rule: exactly; line-height: 12px; color: #666666; padding: 10px 0px 0px 0px;">The external experts are not employed by Fidelity but may receive compensation from Fidelity for their services. Fidelity Investments is not affiliated with any other company noted herein and doesn't endorse or promote any of their products or services.
  <br><br>
  Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a registered service mark of Apple Inc.<br> 
  Android and Google Play are trademarks of Google LLC.<br><br>Fidelity retail products and services are offered beyond those of your employer-sponsored retirement plan.<br><br>
  Third-party trademarks and service marks are the property of their respective owners. All other trademarks and service marks are the property of FMR LLC or an affiliated company, and may be registered.

  <br><br>
  The information in this email is intended solely for the attention and use of the named addressee. This message or any part thereof must not be disclosed, copied, distributed, or retained by any person without authorization of the addressee.  
  <br><br>
  Please do not respond to this email. This mailbox is not monitored, and you will not receive a response. 
  <br><br>
  Fidelity Brokerage Services LLC, Member NYSE, <a style="COLOR: #0f57c2; text-decoration:none" href="https://click.fidelityinvestments.com/u/?qs=2746d4eb26bc355f8a541e5c36b8b07b82516fe328c70da5b42e6d151a6c43bb2818abeb30e389d31afd00a0b26dfc4ae70fff6ac1455f9b" target="_blank" title="SIPC" >SIPC</a>, 900 Salem Street, Smithfield, RI 02917<br><br>&copy; 2024 FMR LLC. All rights reserved.<br><br>1032986.1.0<br><br>Your workplace benefits account is currently set to send emails of the following type: Education and Guidance - Savings & Retirement. To change this email setting click: <a href="https://netbenefits.fidelity.com/NBLogin/?option=RevokeEmailPreference&emailcatid=EDUSVGSRET&emailmessageid=8658618446">Stop receiving emails of this type</a>. Note: You will be required to log in to NetBenefits.<br><br>EMAIL REF#14936862032.3950278
  </td></tr>
</table>



<p style="PADDING-BOTTOM: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: Arial, Helvetica, sans-serif; COLOR: #666666; FONT-SIZE: 10px; PADDING-TOP: 10px" align="left">FIDBITS</p>
</td></tr></table> 
      </td>
     </tr>
                    <tr>
      <td align="left" valign="top" style="padding: 0px 20px;" class="nullPad">
       <!-- Start of: Footer 3 - FBS and eReview -->
                            
                             
                   
 </td>
     </tr>
    </table>
    <!--[if mso]>      </td>      </tr>      </table>     <![endif]-->
   </td>
  </tr>
 </table>
 <!-- End of: Footer Content -->
</body>
</html>

--D9jQK9nimJUT=_?:--

