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WELCOME GUIDE FIDELITY STOCK PLAN SERVICES the gateway to your restricted stock awards ▲ M A K E T H E M O S T O F Y O U R C O M PA N Y ’ S S U C C E S S YOUR contributions recognized Your employer has provided you with a potentially valuable benefit through your restricted stock award (RSA) plan. As part of your award, you’re granted shares of company stock which you’re restricted from selling until they vest. Upon vesting, the restriction on your shares lapse and they’re deposited into your Fidelity Account.® At this point, you may treat them just like any other security you may have in your account. These shares can be an important part of your financial portfolio and may help you reach important goals such as: • Purchasing a home • Funding a college education • Saving for a sound retirement U N D E R S TA N D I N G Y O U R restricted stock award To understand how your restricted stock plan works, review the illustration below. It walks you through the timeline of your award — from the date of your initial grant to vesting. It also defines some important terms and explains how you can use your Fidelity Account to monitor and manage your restricted stock award plan. THE LIFE OF A RESTRICTED STOCK MONITOR AND MANAGE your AWARD from initial grant date to restricted stock plan online through vesting and beyond netbenefits.fidelity.com or a Fidelity Stock Plan Services Representative GRANT Your company grants you RSAs in which your rights to the company stock are restricted until the shares vest • Activate your account • Accept grants (If required by your plan) • Review details of your grant VESTING PERIOD • Vesting occurs with the passage of time or by meeting certain performance criteria, • Review plan details to understand your company’s specific criteria for vesting or a combination of both • The period while your ownership in the stock is restricted is known as the vesting period. While you cannot sell your shares during this time, you may receive dividend payments and maintain voting rights VESTING • Once the shares vest, also known as a lapse in restrictions, they are deposited into your Fidelity Account. You are required to pay taxes on the income at vesting, which is the difference between what you • Use the online calculator to estimate your tax withholding obligation due at vesting • View shares in your Fidelity Account • View your vesting history paid for the award at grant, if anything, and the fair market value of the shares at vesting PROCEEDS • After vesting you will be able to treat the • Incorporate your shares into your financial shares as you would any other shares in plan, retirement plan, and estate plan. It is your account. You can hold or sell the important to understand the impact these shares without any risk of forfeiture shares have on your asset allocation and diversification MORE OPTIONS TO manage your plan Once your restricted stock award vests, you have a number of choices. These include: holding the shares; selling the shares and reinvesting the proceeds; or selling the shares and using the proceeds to meet more immediate needs. Whatever you decide to do, you can benefit from the wide range of services, products, and research Fidelity Investments offers as your plan’s administrator. Once you activate your Fidelity Account, you are able to: • Use one consolidated screen to view your restricted stock award balance and other account balances that may be held at Fidelity • Take advantage of accurate, dependable trading technology • Access independent, third-party research on stocks, bonds, and mutual funds • Access a broad array of planning tools GET TIMELY INFORMATION Provide your email address at Fidelity.com/goto/email to get timely information related to your plan such as stock price alerts, important stock updates, and educational information sent to you. ACCESS YOUR restricted stock award plan online You can access your restricted stock plan PORTFOLIO SUMMARY information online at any time. When you log in to netbenefits.fidelity.com, you can access your plan information to: • Activate your account • Review your accepted and unaccepted awards • Review your current vesting schedule and vesting history Screen shot for illustrative purposes only. Estimate Gains and Taxes ESTIMATE GAINS AND TAXES On the Restricted Stock Award Summary Page, you’ll find a link to the Estimate Gain/Tax Calculator. This tool will help you estimate your taxable income and tax withholding obligation upon vesting. Screen shot for illustrative purposes only. create your PIN TO ACCESS YOUR RESTRICTED STOCK PLAN Go online to netbenefits.fidelity.com and follow the prompts to set up your PIN (if you haven’t already done so). After you establish your PIN, you can gain access to your restricted stock plan information. your Fidelity Account ® CAN HELP YOU MANAGE YOUR STOCK PLAN A Fidelity Account® has been established for you to help you manage your restricted stock award. You can also use this non-retirement brokerage account as your personal investing account. You simply need to activate it by completing your account application. If you do not activate your account, your online access will be limited to viewing your account balance, and you’ll be restricted from making online transactions. How does my Fidelity Account work? Your Fidelity Account is centered around the “core account.” Transactions in your Fidelity Account are processed through your core account. This is where your cash is held until shares are purchased or you sell and decide what to do next. It’s also the part of your account where your stock plan sale proceeds, dividends, and capital gains are automatically deposited. FIDELITY ACCOUNT Deposit to Core Account CASH (“CORE ACCOUNT”) • Cash Account or Municipal Money Market Fund • Additional Deposits • Trade Proceeds • Cash Dividends INVESTMENTS With your cash proceeds, you can invest in: • Mutual Fund Purchase • Debit Card Withdrawals • ATM Withdrawals • Fidelity Mutual Funds • Check Withdrawals • Stocks • Bill Payments • Bonds • Transfer of Funds • Non-Fidelity Mutual Funds 1 • Request a Check • Security Purchase • Stock Plan Sales • Initial Investments Withdraw from Core Account1 Minimum account balance and fees may apply. See Fidelity.com for details. Keep the big picture in focus As a recipient of a restricted stock award, it’s important to view your company stock holdings in the perspective of your entire investment portfolio and total wealth. In particular, you should be sure to understand the impact that the vesting of a restricted stock award may have on your overall asset allocation and on the extent to which you are diversified. Fidelity’s online portfolio management tools Fidelity offers state-of-the-art planning tools to help keep your portfolio on track. Visit Fidelity.com to access: Fidelity Portfolio Analysis: Obtain an in-depth analysis of your portfolio across Fidelity accounts Fidelity PortfolioPlanner®1: Create a comprehensive investment plan and understand the historical likelihood of attaining your goals. glossary Commission. The fee paid to a broker for executing a trade based on the number of shares traded or the dollar amount traded. Commissions will not be charged when your restricted stock award vests. Fair Market Value. The price at which shares would change hands in a transaction between a willing seller and willing buyer. Fidelity Account. Non-retirement brokerage account, with trading and cash-management features, that helps you monitor and manage your stock plan. Gain/Loss. The total value of your assets minus its cost basis. Restricted Stock Award. A restricted stock award is a grant of company stock in which your rights to the stocks are restricted until the award vests, also known as a lapse in restrictions. Once the shares vest, they are deposited into your Fidelity Account. Vesting. The shares that you were awarded are restricted until they vest. Vesting is achieved by the passage of time, meeting certain performance criteria, or a combination of both. 1 Fidelity PortfolioPlanner® is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. System availability and response time may be subject to market conditions. Brokerage services provided by Fidelity Brokerage Services, Member NYSE, SIPC 383628 RSA-EKT-WG-1204 1.810862.100