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F

Face Value
The stated value of an investment at maturity.The face value of a corporate bond, for example, is typically $1,000. For bond ladders, face value is the stated aggregate value of the underlying securities at maturity.

For example, if there are five rungs in the ladder with 20 bonds in each rung and each bond has a $1,000 face value, the total face value of the ladder is $100,000. Also known as par value or par amount

Factor
In the context of a bond that adjusts (e.g., a TIPS that adjust for inflation), factor is the number the face value of the bond is multiplied by to calculate the adjusted principal.

For TIPS, this number is also called the Inflation Factor, also known as the Index Ratio. The Inflation Factor is calculated by dividing the latest Reference CPI by the Reference CPI on the Dated Date of the bond.

For certain fixed income products that pay principal, like mortgage-backed securities, factor is the number by which the original face value of the product decreases over time. Factor is multiplied by Price and Quantity and then divided by 100 to determine the Most Recent Value of the position. Similarly, Factor is also multiplied by Previous Price and Quantity and then divided by 100 to determine the Previous Value of the position.

If applicable, factor is found as part of the Description in factored securities. Note that the value of factor is the most recent value as of the previous day's close. It is not updated intraday.

Factor Effective Date
The date that the current factor being applied to the security became effective.

Fair Market Value
The value at exercise of the shares obtained by exercising your options. Fair market value is specified in your employer's stock option plan and is used to determine the amount of gain that is treated as compensation for Federal income tax purposes.

For an order to exercise stock options, the fair market value will be one of the following, based on your company's stock option plan rules:

See also Estimated Fair Market Value Per Share.

Fair Market Value (FMV) at Exercise
The price per share of the underlying stock at the time your stock option exercise order was executed. The price per share is based on the fair market value option that your company's stock option plan uses. The fair market value at exercise will be one of the following:

Fast Market
This is a trading market in which the speed with which a security's shares are traded is so rapid that the most recent quote may be outdated before it can be reported.

Fast Stochastic
The stochastic oscillator compares where a security's price closed relative to its price range over a given time period. As with moving averages, the sensitivity increases with shorter time spans.

Two or more stochastics may be used with different time spans on a single security price chart to develop "cross-over" signals. This method is used to spot trend reversals with fairly good accuracy.

The stochastic indicator is plotted as two lines. They are the %D line and the %K line. The stochastic is plotted on a chart with values ranging from 0 to 100. Readings above 80 are strong and indicate that price is closing near its high. Readings below 20 are strong and indicate that price is closing near its low.

Ordinarily, the %K line will change direction before the %D line. However, when the %D line changes direction prior to the %K line, a slow and steady reversal is usually indicated.

When both %K and %D lines change direction, and the faster %K line subsequently changes direction to retest a crossing of the %D line, but doesn't cross it, this is a good confirmation of the stability of the prior reversal.

Many times, when the %K and %D lines begin to flatten out, this is an indication that the trend will reverse during the next trading range.

FDIC Certificate
A unique number assigned by the Federal Deposit Insurance Corporation (FDIC) to identify institutions and the issuance of insurance certificates.

Federal Alternative Minimum Tax (AMT)
The federal alternative minimum tax (AMT) was designed to ensure that at least a minimum amount of income taxes are paid by taxpayers who reap large tax savings by using certain tax deductions, exclusions and credits.

It is owed only if and to the extent it exceeds a taxpayer's regular federal income taxes. The federal AMT system uses its own forms, rules, rates and brackets (e.g., interest earned on certain private activity municipal bonds should be taxable under the AMT rules). Also note that some states also have their own state alternative minimum tax in addition to their regular state income tax.

Users may search for municipal bonds (in the Municipal Bond Search and as part of the Bond Ladder criteria) that are expected to generate interest income exempt from the federal AMT.

Federal Funds Rate
Federal Funds Rate is the interest rate at which private depository institutions (mostly banks) lend balances (federal funds) at the Federal Reserve to other depository institutions, usually overnight. It is the interest rate banks charge each other for loans.

Fed Call
Federal margin call. A Fed call is issued against the account if the 50% federal “Reg T” initial requirement for a trade on margin is not met. Generally, Fed calls must be met in five business days, but Fidelity may cover the call at any time. When the margin equity in the account exceeds the Reg T requirement, the amount in excess of the requirement is referred to as the Special Memorandum Account (SMA).

Federal Deposit Insurance Corporation (FDIC) (http://www.fdic.gov)
An independent agency of the federal government, created in 1933, charged with preserving and promoting public confidence in the U.S. financial system by insuring deposits in banks and thrift institutions up to applicable limits; by identifying, monitoring, and addressing risks to the deposit insurance funds; and by limiting the effect on the economy and the financial system when a bank or thrift institution fails.

Further information on the FDIC and FDIC coverage may be found at fdic.gov.

Federal Income Tax Withheld
The amount of federal income tax withheld on the named payment type, for example, a dividend or interest payment. The amount can be backup withholding, either because the taxpayer has not furnished a taxpayer identification number to Fidelity, or because the IRS notified Fidelity that there was under-reported income (subject to withholding of 31% on certain payments).

Federal Tax Bracket
The income ranges and corresponding percentages at which federal income taxes are assessed.

Federally Tax Exempt/Taxable
This is a field that displays on the Search Secondary Market Offerings screen when you are searching for municipal bonds. You can select one of the following options from the drop-down list to refine your criteria:

On the search results screens the table titled "Your Key Search Criteria" will show that the bonds have taken this criteria into account. "Federally Taxable" displays if the bond's income is subject to Federal income taxes. "Federally Tax Exempt" displays if not.


Even though some bond's income are federal income tax exempt, they may be subject to the alternative minimum tax.

Federal Requirement
This refers to the minimum amount of funds the Federal Reserve Board requires to satisfy a purchase or short sale of a security in a margin account.

The initial margin requirement is specified by the Federal Reserve Board and is currently equal to 50% of the purchase price of the security.

The deposit of cash or marginable securities having a loan value of the securities equal to the federal requirement that can satisfy this requirement. In addition, you must have at least $5,000 in equity in your account.

The federal requirement is also known as the Reg-T requirement.

Federal Tax Rate ($)
The federal tax rate used for calculating the federal tax withholding on your exercise transaction. The amount displayed in parentheses represents the estimated dollar amount of the withholding based on your withholding rate and your estimated taxable income upon exercise. Actual gain amounts may vary.

Federal Tax Withheld
The total amount of federal income tax withheld from the proceeds, after an order to exercise non-qualified stock options executes, Your employer is required to report taxable income from the sale of stock options and remit the withholding amount to the appropriate regulatory agencies.

Federal Tax Withholding
The percentage of federal income tax that you elect to have withheld from your IRA distribution.

Fidelity Alerts
Fidelity Alerts provides order execution reports, admin reports, quote updates, account summaries, positions, and new issue updates to its customers via internet ready phone, one-way text pager, two-way text pager, e-mail, and/or personal digital assistant.

Fidelity AnywhereSM
Fidelity Anywhere provides order execution reports, admin reports, quote updates, account summaries, positions, and new issue updates to its customers via one-way text pager, two-way text pager, e-mail, and/or personal data assistant.

Fidelity BillPaySM
An online bill payment service that allows you to receive bills online and to pay bills from a BillPay enabled brokerage account. The account must be a non-retirement account and meet certain requirements.

Fidelity® Cash Management Account
A spending account designed by Fidelity to augment the Fidelity Brokerage investment account. Eligible accounts include individual (one owner) or Joint (multiple owners) Accounts, as well as Trust Under Agreement (TRUA) –registered Accounts. mySmart Cash Manager® is an optional Fidelity® Cash Management Account feature that moves money from a hierarchy of Funding Account(s) you set up when you need it.

Fidelity® Cash Management Account Available Funds

Also referred to as Fidelity® Cash Management Account Current Available or Available to Withdraw funds.  It is the amount collected and available for immediate withdrawal.  This balance includes FDIC-Insured Cash (Core) and Other Fidelity Money Market funds held in the account.  This balance does not include deposits that have not cleared.  Balances from unsettled trades and deposits are reflected on settlement date.

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Fidelity® Cash Management Account Maximum Target Balance
An amount you establish as part of mySmart Cash Manager® to let you know when it's time to move cash from your Fidelity® Cash Management Account for longer term investment. By establishing a Fidelity® Cash Management Account Maximum Target Balance amount, you request that Fidelity send you an alert whenever your Fidelity® Cash Management Account balance exceeds the Maximum Target Balance.

Fidelity® Cash Management Account Minimum Target Balance
An amount you establish as part of mySmart Cash Manager®. If your Fidelity® Cash Management Account balance drops below your Minimum Target Balance, available cash is moved automatically from your Funding Account(s) (in the order you specified) to your Fidelity® Cash Management Account until your Fidelity® Cash Management Account balance is restored above the minimum target. By selecting a Minimum Target Balance amount, you are requesting that Fidelity move money from your Funding Account(s) to your Fidelity® Cash Management Account automatically when needed overnight.

mySmart Cash Manager moves enough money to restore your Fidelity® Cash Management Account balance to the Minimum Target Balance automatically. At a minimum, mySmart Cash Manager moves the Fidelity® Cash Management Account Minimum Transfer Amount you established when you set up Smart Cash Manager. If enough money is not available in the first Funding Account in your Funding Account hierarchy, mySmart Cash Manager checks the second Funding Account in your Funding Account hierarchy for available funds, and then the third, and so on, until your Fidelity® Cash Management Account balance is restored to the Minimum Target Balance, or until there are no more Funding Accounts in the hierarchy.

Fidelity® Cash Management Account Minimum Transfer Amount
As part of mySmart Cash Manager®, the minimum amount of money that will be transferred to your Fidelity® Cash Management Account from your Funding Account hierarchy to restore your Fidelity® Cash Management Account balance above the Fidelity® Cash Management Account Minimum Target Balance.

Fidelity CorporateNotes ProgramSM
Fidelity CorporateNotes Program makes available fixed-rate, senior and subordinated, unsecured obligations from a variety of independent issuers. These are new issue offerings that you can buy directly from the issuer usually at face value through Fidelity.

Examples of Fidelity CorporateNotes include GMAC SmartNotes, Freddie Notes, Bank of America Internotes. Fidelity CorporateNotes offerings are subject to change.

Fidelity CorporateNotes can be purchased in increments of $1,000.

Fidelity Mutual Fund Commission Schedule
There are no commission charges when trading most Fidelity mutual funds.

Note: Fidelity mutual fund trades may be subject to a sales charge, a redemption fee, and/or an exchange fee.

For more complete information on any mutual fund offered through Fidelity, including charges and expenses, call for a free prospectus. Please read it carefully before you invest or send money.

Fidelity NetBenefits®
A service provided on Fidelity.com through which you can access information and complete certain actions for a NetBenefits account record kept at Fidelity (e.g., 403(b), 401(k), 457).

The availability of NetBenefits and the options and services available to you depend on the specific features of your employer's plan.

Fidelity NetBenefits® Account
An account you have in an employer-sponsored retirement plan that has been set up through Fidelity.

For example, this could be an account you have in a 403(b), 401(k) or 457 NetBenefits plan.

Fidelity NetBenefits® Plan
Any of several plans set up by employers that are record-kept at Fidelity. Employers set up such plans so that their employees may take advantage of tax-deferral on retirement savings.

Additionally, some employers match employee savings or make other contributions to the plan.

Types of NetBenefits plans include 401(k)s, 403(b)s, and 457 plans.

Fidelity Variable Annuity Investment Option Symbols
Fidelity has created trading symbols for Fidelity variable annuity investment options to allow you to get quotes, view investment options in watch lists, or to view historical price charts for investment options.

Fidelity variable annuity investment option symbols are only recognized by Fidelity.

Fidelity variable annuity investment options are not recognized on exchanges or in trading markets (e.g., New York Stock Exchange or Nasdaq), on other Web sites the provide quotes and other information for securities, or by other financial institutions.

15% Rate Capital Gains
The sum of long-term capital gain from sale of a capital asset distributed by a mutual fund or real estate investment trust, subject to a maximum federal income tax rate of 15%. On the Detail Info for Ordinary Dividends page, this figure is the sum of the line-items that preceded it.

50-Day Moving Average
A 50 day simple moving average is the average closing price of the stock over the last 50 trading days. Moving averages can be used to gauge the direction of price movement in a stock.

52-Week High
The highest price a security or index reached during the last 52 weeks.

52-Week High Date
The date when the highest trade price occurred for the security in the last 52 weeks. This is only available for stocks and options.

52-Week Low
The lowest price a security or index reached during the last 52 weeks.

52-Week Low Date
The date when the lowest trade price occurred for a security in the last 52 weeks. This is only available for stocks and options.

Filled Order
This is an order status indicating that your order has executed.

Fill or Kill
A time-in-force restriction that can be placed on the execution of an order.

This restriction requires that the order is immediately completed in its entirety or canceled.

Orders with the fill or kill restriction:

Note: Fill or kill is only used under very special circumstances. If you do not fully understand how to use fill or kill, talk to a Fidelity representative before placing this restriction of an order.

Financial Institution
This refers to the name of a bank you use with Fidelity Electronic Funds Transfer.

Financial Industry Regulatory Authority (FINRA)
The largest independent regulator for all securities firms doing business in the United States. FINRA's mission is to protect America's investors by making sure the securities industry operates fairly and honestly.

Firm Commitment
Occurs when Fidelity Capital Market’s underwriting desk has agreed to raise a specified amount of new funds for a bank via the brokered CD market. For other underwriting arrangements, see Best Effort.

Firm Commitment Underwriting
This refers to an arrangement with a financial institution whereby the financial institution lends the exercise order cost for a security such as stock options to an optionee at the time when the optionee places a stock option exercise order to sell or sell and hold stock options.

Due to this arrangement, the proceeds from an exercise and sell is equal to the difference between the amount on loan and the market price for the underlying stock less any expenses such as commissions, fees, and taxes.

The proceeds from an exercise and hold is equal to the difference between the amount on loan and the market price for the underlying stock less any expenses such as commissions, fees, and taxes. In this case, just enough shares are sold to repay the loan and to provide for any incurred expenses. After the transaction is complete, the optionee holds the remaining shares.

First Call Consensus Estimate
First Call, our source for earnings estimates, provides analysts' estimates from the brokerage firms for the corresponding time period.

First Coupon
This is the date when the first coupon interest payment from a new issue fixed-income security (e.g., a newly issued bond) will be made.

First in/First out (FIFO)
A method for calculating cost basis. FIFO assumes that the oldest shares (first in) are the first to result in a gain or loss (first out).

Unless you specify the tax lot(s) shares to sell when placing an order, the FIFO method is used to determine which shares were sold.

First Maturity Date
For bond ladders, this date refers to the shortest maturity in the ladder. Typically, this will be the date the first bond in your ladder matures. Maturity is based on the actual maturity date. However, if the bond is callable and the bond is called, the date will be based on the call and not the maturity schedule. In this instance, the bonds may pay prior to maturity.

First Settlement Date
This is the first settlement date for a security as a new issue. Settlement date is the date by which a buyer must pay for the securities delivered by the seller.

First Year Interest Income
The dollar amount of all interest earned on government and corporate debt obligations and short-term certificates of deposit, as well as interest earned from cash in a brokerage account. For bond ladders, this amount refers to the estimated annual amount of income you will receive from the securities that make up the rung. The income is calculated by taking the coupon rate multiplied by the quantity of bonds (face value). For the ladder as a whole the interest income can be assessed as the combined income from all the bonds. This annual amount will decrease naturally over time as bonds mature - unless they are replaced.

529 College Savings Plan
529 Investment Plans provide a way to save for college. These plans allow states to sponsor investment plans for higher education.

These plans offer income tax-deferred growth of funds to be used at accredited post-secondary schools in the U.S. Also, qualified withdrawals are taxed federally as income to the student (beneficiary), not to the account holder (participant).

5-Yr. Historical Growth Rate
The slope of the least squares regression Line which is fitted to the data. The date is expressed in terms of a 4 quarter moving average.

Note that NA is displayed when 5 years of history isn't available. NM is displayed if there are negative earnings - the result would be too volatile to be meaningful.

5 Yr. %
The percent gain or loss that the portfolio has achieved over the previous five-year period. Refer to the "as of" date to determine the exact period.

Fixed Income
A type of asset class in which the investments provide a return in two possible forms. Coupon paying bonds have fixed periodic payments and, at maturity, a return of principal. Zero coupon bonds are sold at a discount and do not pay periodic coupon interest, but have a return of principal plus all accumulated compounded interest at maturity.

With regard to buying and selling fixed-income securities in the secondary market or participating in new issue fixed-income offerings through Fidelity, fixed income refers to Municipal bonds, Treasury bonds, Treasury bills, Treasury notes, Treasury Auctions, Corporate bonds, Agency/GSE bonds, Fidelity CorporateNotes ProgramSM, and Fixed Rate Corporate Securities.

Fixed Income Event Alerts
Fidelity Fixed Income Event Alerts is a service designed to provide Fidelity customers with information about key changes to the status of their bonds and bond issuers via electronic means such as e-mail or pager. Customers can enroll in the Alerts service by going to the Research tab and selecting Alerts.

Fixed Income Event Alerts consist of the following: Event Alerts are provided for informational and/or educational purposes and are not intended to provide tax, legal or investment advice and should not be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by Fidelity or any Provider. Neither Fidelity nor any supplier of market data guarantees the timeliness, sequence, accuracy, or completeness of market data or any other market information, or messages disseminated by any party. For more information reference the Fidelity Alerts and Wireless Services Agreement.

Fixed Rate Capital Securities
Hybrid securities that combine the features of corporate bonds and preferred stock.


Generally have a stated maturity, although some are perpetual, offer attractive yields, and usually pay monthly or quarterly interest or dividends that are fully taxable.


Tend to have higher yields than corporate bonds because they are subordinate in right of payment to all senior debt of the issuer. Issued as shares, with one share being issued at an amount generally lower than the typical $1000 face value for corporate bonds, such as $10 or $25.Generally, the minimum quantity for fixed rate capital securities is 100 shares, with additional investments available in 1-share increments.

Floor
Floor is best understood as a limit on one's downside loss. If the floor is set at 100% of initial invested principal, the customer should receive back 100% of initial invested principal subject to the credit risk of the issuer. For example, if a customer invests $1,000 with a 100% floor, at maturity of the structured product, a customer receives at least the invested principal or $1,000 at maturity.

FMV Description
Identifies the fair market value (FMV) option your company's stock plan uses. FMV Description can be one of the following:

Foreign
A security that is incorporated in a foreign country.

It can also indicate the percentage or dollar amount of your portfolio or one or more selected accounts that is invested in securities outside the U.S. Portfolio and account analysis shows the foreign exposure for your current holdings. This only applies to holdings that are classified as equities.

Foreign Country or U.S. Possession
If taxes were withheld in a foreign country, then "VARIOUS" displays.

Foreign Settlement Fee
The Depository Trust Company (also known as DTC) is a central repository for most U.S. brokers and banks and provides services such as clearing and settlement of security transactions. Foreign companies that do not settle through DTC are subject to a $50 fee to pay for these clearing and settlement costs. There are certain U.S. companies that do not settle through DTC and are also subject to the $50 fee.

Foreign Sovereign Debt
These are bonds issued or guaranteed by foreign governments. While they may be denominated in either the foreign country's currency or US Dollars (USD), your search results will only display bonds denominated in USD. Foreign sovereign debt can be more volatile than domestic debt due to increased risks of adverse issuer, political, regulatory, market or economic developments. These risks are more pronounced in emerging markets, which may be subject to greater social, economic, regulatory and political uncertainties.

If you included foreign sovereign debt in your search criteria, your search results may include these offerings. However, they will be displayed along with other types of fixed income securities that met your criteria, and will not be separately identified. Therefore, in order to distinguish foreign sovereign debt from other offerings, and to appreciate the risks associated with a particular offering, you should review the offering documentation for each issue, which can be found on the SEC's Edgar website at http://www.sec.gov/edgar.shtml.

If you are considering investing in foreign sovereign debt, you should also consider researching the issuer or guarantor itself of the debt. To do this, you may also want to consider the following resources:

News: Bloomberg has economic and business news about the various world regions at http://www.bloomberg.com/news/regions/

The International Monetary Fund http://www.imf.org/external/ has information on countries' economic stability and outlook.

US State Dept. Country Background Notes include facts about the land, people, history, government, political conditions, economy, and foreign relations. http://www.state.gov/r/pa/ei/bgn/index.htm

Foreign Tax Paid
The total taxes withheld by foreign governments on dividends from certain foreign stocks and paid by mutual funds that hold more than 50% of their assets in foreign securities at year-end. The tax is paid to the country of origin.

For Cash Trades
The amount available to purchase securities in a Cash account without adding money to the account. At the time the order executes, executed buy orders will reduce this value, and executed sell orders will increase this value.

For Corporate Bonds
The margin buying power available to purchase Corporate bonds. Most Corporate bonds are marginable, however, margin requirements may vary based on the type of bond.

For Government Bonds
The margin buying power available to purchase Government bonds.

For Margin Trades
The dollar amount available to purchase marginable securities without generating a margin call. The balance does not include cash held in the Core Money Market, but does include intraday trade executions and money movement into and out of the account.

For Municipal Bonds
The margin buying power available to purchase Municipal bonds.

For Non-Margin Securities
Margin buying power available to purchase securities that are non-marginable (i.e., have a 100% margin requirement).

For Tax Year
This is the tax year to which your IRA contribution will be applied. For each tax year, you may make an annual IRA contribution up to your tax filing deadline excluding extensions.

Between January 1 and your tax filing due date (not including extensions, generally April 15), you may make an annual IRA contribution for either the current or prior tax year. After this time period, you can only make a current year contribution. If the due date falls on a Saturday, Sunday, or legal holiday, call a Fidelity representative at 800-544-6666 for assistance.

Effective January 1, 2002, annual IRA contribution limits have increased for the 2002 tax year and beyond. You can use the IRA EvaluatorSM which can be accessed by selecting Investment Products >> Retirement option.

457 Plan
Under section 457 of the Internal Revenue Code, employees of state or local governments, their agencies and tax-exempt employers can set aside money for retirement on a pre-tax basis through a plan sponsored by their employer.

To encourage saving for retirement through these plans, the federal government created special tax advantages for 457 contributions. Different from a 401(k) or other type of qualified retirement plans, a 457 has no requirement to be non-discriminatory.

401(k) Plan
Under section 401(k) of the Internal Revenue Code, employees can set aside money for retirement on a pre-tax basis through a plan sponsored by their employer.

To encourage savings for retirement through these plans, the federal government created special tax advantages for 401(k) plan contributions.

403(b) Plan
A type of retirement plan created under section 403(b) of the Internal Revenue Code, employees of 501(c)(3) non-profit institutions (such as hospitals, museums, research institutes, and foundations) and public schools can set aside money for retirement on a pre-tax basis through a plan offered by their employer.

To encourage saving for retirement through these plans, Congress created special tax advantages for 403(b) contributions and their earnings.

Free Look Period
Generally, a 15 day period of time that begins after an annuity contract you purchased is mailed to you. During this period, money in the annuity is invested in a money market fund instead of the investment option(s) you specified and the annuity can be canceled at any time.

Free look period applies only to annuities purchased in states other than New York and California. For annuities purchased in New York and California, refer to extended free look period.

Note: For most annuities (other than replacements and exchanges), we estimate the free look right to be in existence for 15 days after the annuity contract is mailed to you. For annuities with large purchase payments, we may calculate the exact date your free look right expires based on the actual date you receive the contract.

Frequency
Frequency allows you to chart data for a given time period on an intraday, daily, weekly, monthly, or quarterly perspective.

Typically, choosing a weekly or monthly perspective when looking at several years of data makes it easier to identify long-term trends.

Typically, choosing a daily chart is useful for active traders and short-term time period charts.

The five-minute and hourly frequency are used for intraday charts. The remaining choices are applicable to end-of-day charts.

From
The source account for a transaction to transfer money or shares, that is, the account from which money or shares will be transferred. For any transfer of money or shares, always select the account to transfer from before you select the account to transfer to. The entries available for your selection of a From account depend on which accounts are associated with your Social Security Number.

From Account
The account from which cash or shares are being transferred. This account information is displayed for verification and confirmation of all transfers of money or shares.

Full Description
This is a detailed fixed-income security (e.g., bond) description. The description varies by the type of security (e.g., Treasury bond, municipal bond), but generally includes information such as the type of security (e.g., U.S. Treasury Note, Tennessee Housing Development Agency) if it has a call feature, is subject to alternative minimum tax, the coupon interest rate, when the first coupon interest payment was paid, the maturity date, etc.

The following is a sample municipal bond full description. Note that DTD means dated date, SUBJ TO AMT means subject to alternative minimum tax, and 1ST INT PAYMNT and the date means the date the first coupon interest payment was paid.

TENNESSEE HSG DEV AGY 05.650% 01/01/2012 DTD 06/20/1996 HOMEOWN PG-3 REMARKETED SUBJ TO AMT 1ST INT PAYMT 01/01/98

The following is a sample U.S. Treasury note full description. Note that NTS means Note, DTD means dated date, and the date, 8/15/2002, is the maturity date.

U S TREAS NTS DTD 8/15/92 6.375% 08/15/2002

Full View
Full View® offers customers access to their online financial accounts, including investments, bank accounts, and credit cards, with a single login to Fidelity.com. Full View lets you consolidate accounts and information from separate Web sites, such as investment firms, banks, credit cards, and airline frequent flyer miles.

Fund
When requesting an IRA distribution from an eligible mutual fund account, this field displays the mutual fund from which shares will be sold to provide the requested distribution amount.

Fund Benchmark
An unmanaged group of securities whose overall performance is used as a standard against which relative investment performance is measured.

Fund by %
The proportion that each fund represents in an overall portfolio.

Fund Number
The number issued by Fidelity to identify a Fidelity fund.

This number is not used when placing orders for or quoting a mutual fund.

Fund's Full Name and Symbol
This is the ticker or exchange symbol used to identify a fund and the fund's name.

Funding Account
Accounts used to fund a Fidelity® Cash Management Account if the Fidelity® Cash Management Account balance drops below the Fidelity® Cash Management Account Minimum Target Balance or to cover potential overdrafts if you have elected self-funded overdraft protection.

Eligible Funding Accounts must have the same owners as the Fidelity® Cash Management Account and may include: